23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used a XXXX plan for 2 days and then transferred to XXXX in XX/XX/XXXX. Then I received a {$75.00} bill. I called XXXX in XXXX or XX/XX/XXXX. The customer confirmed that I didn't have to pay anything because I only used their service for 2 days. XXXX didn't send me any more bills since then. Recently ( XX/XX/XXXX ), XXXX asked a debt collection company ( Receivables Performance Management ) to send me a letter and said that I owe them {$75.00}. 

I tried to log in to my XXXX account but they deleted my account, so I was not able to download or see my final bill.
Product: Mortgage

My father passed away on XX/XX/XXXX and had a reverse mortgage with Carrington Mortgage llc. I notified them immediately of his passing and the plan to move forward with selling the house to his best friend that lived with him. The first time I contacted Carrington, they told me I had XXXX year to sell the house. The next time I spoke with them they told me I had XXXX month to sell the house. I then called back to try to verify how much time I had and was told XXXX months. I received multiple letters stating that if I could not sell the house by XX/XX/XXXX, I would have to submit certain documents to file for an extension. I submitted all required documents except a final approval letter from the bank giving the buyer the loan, as the loan had not been approved yet. I sold and closed on the house on XX/XX/XXXX, at which time the reverse mortgage was paid off and the remaining funds were transferred into the estate checking account. On XX/XX/XXXX, I received a call from the title company telling me the mortgage company was demanding {$1200.00}, claiming the loan was not paid in full. I asked the title company if a pay off amount was requested from them prior to closing and was told it was and that amount is what was paid. I called Carrington mortgage to get answers and was told I had to pay that amount for lawyer fees, forclosure fees, and service fees. I argues stated the house was not forclosed on, and that I had until XX/XX/XXXX to submit documents to get more of an extension, and that I had letters at home from them stating just that. They told me I only had until XX/XX/XXXX to sell the house and they could forclose after that for any reason. They then told me that they sent me a condolence letter which stated I had to be in contact with them every 30 days and because I did not speak with them in XXXX or XXXX, they moved forward with the forclosure. I never received a letter of forclosure or notice of foreclosure. I have the letters stating If unable to sell the house by XX/XX/XXXX, I would have until XX/XX/XXXX to submit the paperwork to file for an extension. I had to give the title company a check that day to send them to stop any further fees from accuing. The condolence letter does not say I have to stay in contact with them every 30 days. I have XXXX certified copies of it.
Product: Debt collection

I paid off XXXX accounts ending in Account Number **** XXXX Account Number **** XXXX Portfolio Recovery is refusing to remove them from my credit report or update the balances from my XXXX report
Product: Credit reporting

The Attorney General of the State of Ohio sent expungement letters to Experian requesting they remove XXXX liens which were on my report. I sent a certified letter to Experian requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
Product: Credit reporting or other personal consumer reports

my identity was stolen. My personal information, my cedit cards have several unauthorized charges, i have so many late reporting 's trying to fix this, there's charged off accounts that's not mines, address thats not mies and mych more- I was involved in multiple data breeches of : XXXX, XXXX XXXX XXXX XXXX and another I cant remember. I have received letters to place fraud alerts on all my reports which I will be doing asap. FTC filed -case # XXXX. I have letters from those companies mentioned. Seems ths has been going on since 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX XXXX  is reporting a charge-off ( CO ) on my credit report every month for the past three years, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. 
XXXX XXXX Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
FCRA - 15 U.S.C. 1681i : A creditor must conduct a reasonable investigation of a dispute and correct any errors on the credit report.

FCRA - 15 U.S.C. 1681s-2 : A creditor must update the credit report to reflect any changes in the status of the debt. 
Violations : XXXX XXXX XXXX  reported a CO every month for XXXX years without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report, violating FCRA - 15 U.S.C. 1681i. 
XXXX XXXX XXXX  failed to update the credit report to reflect any changes in the status of the debt, violating FCRA - 15 U.S.C. 1681s-2. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Request : Order XXXX XXXX XXXX to correct the errors on my credit report Award damages for the harm caused by XXXX XXXX XXXX  's inaccurate reporting Impose penalties on XXXX XXXX XXXX  for their violations of the FCRA and XXXX XXXX guidelines Supporting Documentation : A copy of my credit report showing the inaccurate reporting A copy of my dispute letter to XXXX XXXX XXXX  A copy of XXXX XXXX Bank 's response to my dispute Additional Information : XXXX XXXX XXXX  's reporting of CO every month for XXXX years without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX  accountable for their actions.
Product: Debt collection

First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.
Product: Prepaid card

On or around XXXX XXXX or later I tried to use my prepaid Rush card to by groceries for my family. I put my items on the counter and the cashier began to scan. Now it 's time to pay, as I swiped my card it kept declining it the cashier even tried to swipe the card her self because I told her that something has to be wrong because I know there is money on this card. The cashier told me that maybe her system is down, so I put the groceries back and proceeded to another store. At the other store as I swiped my card it read the same thing ( DECLINED ), now I am saying something has to be wrong with my card. This was a total embarrassment for me. I should n't have to suffer just because this company wants to upgrade their system. There has to be a better way.
Product: Mortgage

I have subside mortgage with MandT bank so payment amounts change. I notified the bank that my payment amount changed and I had be making the new payment since XXXX of XXXX. The escrow analysis was done and there was a shortage. I opted to do the 12 month payment plan on top of my new payment amount. When I spoke to the analysis department I asked for the new paperwork /statements to reflect moving forward this call took place in XXXX ( XXXX ). XXXX I made an on time payment they held it, and put XXXX, XXXX, XXXX payments in suspension as well and made it look like I had not been paying my mortgage. The floodgates open from there they made excuses on top of excuses. According to their records now I was 78 behind in my mortgage payments. I have Statements reflecting this, recorded phone calls, video of a worker coming to my home placing a notice on my door telling me to contact the bank. After they cleared that mess up they continue to call my house and hold my payments every month daily asking for the mortgage payment when it's already been paid. It's a form continue harassment for a bill that's paid and someone that's not doing there job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act act XXXX  acct # XXXX violated my rights 15 usc 1681 section 602 a. states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Product: Debt collection

I have submitted prior documents supporting the fact that I DO NOT OWE FRANKLIN COLLECTION SERVICES any amount of money and this account was previously deleted from my credit files, yet, Franklin Collection Services has once again put this fraudulent account on my XXXX credit file. FRANKLIN COLLECTION SERVICES acct # XXXX claims that owe them XXXX, I have never done business with them or XXXX XXXX who they claim to be collection on behalf of ... ..I am demanding a contract with my wet ink signature to support that I owe them anything ... ... FRANKLIN COLLECTION SERVICES located at XXXX XXXX XXXX XXXX , XXXX, Ms. XXXX must provide all the required information on the said account to me within 15 business days or this account must be deleted immediately and furnish the updated information to XXXX effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach I used the " TrustedID '' service, logged in, looked at my credit report, and it 's totally  wrong. It 's someone in North Carolina. Every single thing in the report is for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Debt collection

I believe a credit card closed due to fraud use was used by Midnight Velvet XXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it.

Thank You PS my first name is mis-spelled
Product: Credit card

XXXX XXXX XXXX 3rd party refused to surrender account approval to I. Credit card Phone service says application is under review against federal equal credit opportunity act. Credit file says access is granted for charge card XX/XX/year>. Web page was exploited to show application under review ( denied ) instead of 2nd party democratic designate approved. I complained to media inquire free press for communication assistance with receiving application submission approval and card.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and I'm still disheartened with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.
Product: Checking or savings account

This is the clam number : XXXX. Three ( i believe it was around XX/XX/XXXX ) months ago i had a sell phone fixed. The merchant claimed he repaired my phone. But phone was not repaired. I contacted my bank wellfargo an explained. I stated i wanted to stop payment cause merchant did not fix my phone. Women on phone from bank stated she would open a clam i stated i wanted to stop payment an get my money back. Women from bank stated its wrong a person shouldnt have to pay for a service they didnt get, an refunded my money. I assumed this was the last i had to worry about this. But XX/XX/XXXX i checked my account at XXXX XXXX an with out prior notice XXXX was taken out of my account. I tryed to explain to bank but was unable to speak to anyone in clams dept until XXXX. But when i finally spoke with some one from clams dept i was told merchant denied clam so i had to pay. An that she was done an i could try to speak to customer service. Upon speaking with customer for a 3 time, a supervisor i was told i was using money i didnt have, that wasnt mine. I tryed to explain if i would have been aware of the XXXX i could put money in my account so i would not have accured two XXXX dollar fees. I was ADVISED to put money in my account if i had any other charges coming so i wont have to pay more fees. I tryed to explain but i was treated as if i stole money!!!!!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting

Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Equifax on a dispute. They stated they made corrections or deleted incorrect information! However, this is incorrect. The name on the information mailed to me is not a legal name associated to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute with Report Number : XXXX Stating XXXX ) XXXX XXXX XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureau reports only 100 % accurate credit information. Every step must be taken to ensure the information reports are completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ), You are required by federal law to verify, thorough the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.E. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. The following accounts are not mine. Please Remove I respectfully request to be provided proof of this alleged item, especially the contract, note or other instruments bearing my signature. 

Failure that, the item must be deleted from the reporting as soon as possible. The information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and the telephone number of each credit grantor or other subscriber.

Under the federal law, you have thirty ( 30 ) days to complete your investigation. Be advise that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. 

In addition, please remove non-account holding inquiries over 30 days old. Also, please add a promotion suppression to my credit file.

Under federal law you have thirty ( 30 ) days to complete your re- investigation. Be advise that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank You,