23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Progressive insurance sent an outstanding bill to collections. this was done in error as we had XXXX XXXX  policy cancel and another begin and they did not cancel the policy so there was a balance. We were never made aware of this. They acknowledge this and backdated the policy and even gave us a refund plus extra money. They said to call the collection agency and show them documentation and they could update the credit report. We call the collection agency to complain because they too never notified us ( most likely cause progressive admitted to giving the wrong contact info ) and sent it to credit report. XXXX fixed their end and said work with XXXX XXXX XXXX to fix the credit report. To date no fix to our credit report has been done. I asked how they reached out they said they called but did not provide a valid phone number to me. Just want credit fixed.
Product: Vehicle loan or lease

In looking over recent financial statements ; There are quite a few discrepancies regarding the balancing of the books. The total amount owed and the financed amount are discouragingly different as well as the monthly finance charge. Please be advised that this is a formal request for GAAP accounting along with the licensed CPA on this account. As well as a request for the CUSIPs ( Committee on Uniform Securities Identification Procedures ) on the instruments associated with this account. 

AS PER 12 CFR 1026.13 Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). 
Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Official interpretation of 13 ( d ) ( 2 ) Adverse Credit Reports Prohibited ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under XXXX U.S.C. XXXX ( e ) for failure to comply with any of the requirements of this section. 
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XXXX XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XXXX XXXX, and a personal charge card opened at XXXX under the account number XXXX. These accounts have resulted in a fraudulent charge off and fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Checking or savings account

XXXX permanently closed my account without providing any reason, and despite my continuous inquiries over the past XXXX years, they have not offered an explanation for the closure. I am frustrated by the lack of transparency, as I am confident that I did not violate any rules or terms of service. Despite my efforts, the account remains closed, and I am seeking resolution to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy between credit scores from each bureau for credit reporting XXXX and XXXX   have scores in the 570 range and Transunion is more than 150 points lower for the exact same items on each report each report is exactly the same but the scores differentiates between the three bureaus with two being similar in numeric value and the other transunion being significantly less without valid reason. Transunion has refuse to correct information that they have found incorrect through disputes I have made and make me redisputes for the same item on my credit report the also refuse to address the discrepancy of the credit score.
Product: Debt collection

I pulled my consumer credit report and notice that this debt collector is reporting inaccurate information on my report. Never have I ever done any business with Waypoint Resource Group or gave them permission to contact me concerning this alleged debt.
Product: Student loan

My daughter attended XXXX XXXX XXXX XXXX for only 1 year in XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, she returned back to New York due to physical health issues and stress. She has not returned to the school and officially left in XX/XX/XXXX. During the process of enrollment, it was understood that her loan which should belong to her and accepted the responsibility for it is under my name and I'm a senior. I no longer need any more schooling since I have a XXXX   In XXXX XXXX let alone one such as this one which costs more than I make a year. However, the estimates that XXXX are stating from XXXX are completely inaccurate and the information provided to them regarding Social Security numbers, birthdates, etc. are not correct and someone had been using my information to take out a loan to attend in XX/XX/XXXX for the Fall Semester when my daughter had not even returned to attend. I was also tricked by the school and XXXX into taking these loans for this school in which I was so robbed of XXXX dollars due to fraud committed by the school in regards to their housing situation which my daughter was almost homeless because of this. Since, then my credit has been getting damaged due to this loan which does not belong to me and prior to this my credit was fine and without issues. Now to even get in touch with these people are impossible since they don't really feel the need to help the people they are promptly ripping off with their outrageous loan estimates. Their customer service is the absolute worse and I've tried several times to get them to send me statements about what is owed, hard copy ones in the mail and I waited for a good month. Nothing! They don't send anything proving this debt or the extent of it for one. The other is when I called they had my SSI number attached to my daughter 's instead of hers which was a glaring error that led me to not only file a complaint with my New York State Attorney General, as well as seek legal counsel and contacted XXXX and XXXX to put my account on alert for fraud. I believe firmly that my personal information was misused to obtain these loans and get more money from the loan holder, XXXX. This company is a fraud and something has to be done about them because no matter what I try or do, they just won't cooperate. I report the fraud on the account and they continue to purpetrate it to the fullest extent which are similar tactics that XXXX XXXX XXXX did a decade ago before they got caught and had to pay restitution for it. They refuse to send statement in the mail ( and I don't mean emails ) I want hard copies, they refuse to help me in anyway and they don't care my well being. I want to get rid of this loan once and for all and most assuredly to another loan servicer that would most likely help me get out of it due to these legal issues. It is not right that a person of my age is in a position such as this and I do not deserve to be.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX After looking at my credit report I notice that I have a hard Inquiry on my credit report that I do not recognize, and I did not approve of it. I did not sign for this, or apply for anything of this nature. I have tried contacting them. I haven't gotten a response. Please investigate and get this item removed from my credit report asap. The credit card company, or bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX 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 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

Here is the list of fraudulent inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

In approximately XX/XX/XXXX, I cancelled service with XXXX ( XXXX XXXX XXXX ). I called their customer service number, and their representative told me that they would send out a box for me to return the equipment. I never received their box, so their equipment remains ( waiting ) in my garage. In XX/XX/XXXX, I noticed a credit item for {$99.00} that was related to the XXXX equipment. I called and asked if I owed them anything for their " service '' and they told me that the {$99.00} was related to their equipment. I explained that I still had their equipment, and if they would send a box, I would be happy to return their equipment. She told me that they show that they sent a box out a long time ago, but they could not give me a date. I disputed the {$99.00} on all of the credit bureaus and they removed the charge. Now in XX/XX/XXXX, I have a credit item from AFNI , Inc. for {$560.00}. The original creditor is listed as XXXX XXXX XXXX, it happens that it is related to the XXXX equipment. I am still happy to return the equipment, but they seem more intent on charging for the equipment than sending an additional box to collect it, or having a service tech stop by. I didn't owe XXXX XXXX XXXX {$99.00} for their equipment, and I don't owe their collection agency {$560.00} for the equipment. They are welcomed to send a box as they promised but I did not receive, or send someone out to pick up the equipment. At this point, everything that they are doing is simply punitive. Their reporting to the credit bureaus has zero to do with my payment history.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

viewed credit report seen inquires i didn't apply for /these are fraudulent inquires sent letter no response XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit card or prepaid card

I received a notification for a charged of {$310.00} dollars on my phone. 
I contacted my credit card, Apple at Goldman Sachs, to report charges not approved. 

XX/XX/2021- XXXX  {$310.00}XX/XX/2021- XXXX {$18.00} An Apple Specialist at Goldman Sachs replaced my card. I explained to them that a XXXX manager contacted me for fraud charges. 

An Apple Specialist credited my account for the amount of {$310.00} on XX/XX/2021. 

What was disturbing was that the charged was listed under child 's name who is a minor. The vender disclosed this information to me. My child isn't an authorized user. 

XXXX attempted make a charged for {$18.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed inaccurate accounts.
Product: Student loan

Larunch servicing LLC is reporting months that I was never late on my acct with credit Reprts they are reporting a different months late on all my credit reports
Product: Debt collection

The guy claim his name is XXXX XXXX and he work for a debt collection agency for a online payday loans company. This man has call my job since the first week in XXXX. He will call my job several times in one day. I ask him to stop calling my job and he still does. I told him verbally and by e-mail. I ask him for more information on this loan who I got it through but he will not provide it for me. All he keep saying is a online payday loan. I ask him to stop calling my phone but he still calls. XXXX is demanding I pay him money by putting it on a gift card from XXXX or I tune card. I have had the police to tell him to stop calling and he still calls. My boss has told him I can not take personal calls and he still calls and my boss had the police to talk to him. This man is making me ill. I am not sure if this is his name because of the foreign accent. I can not get him to stop calling my job. I don't owe this debt as far as I no. When XXXX call the job and I refuse to talk to him some kind of way he will have all the phones ringing in the office all at the same time. I no he is a scammer but I don't no how to keep him from calling my job. I have the number block from my phone. I have also got in contact with a debt collection agency for online payday loan debts and they told me it was a scam. They do not do money on a gift card.
Product: Debt collection

A company named Phoenix Financial Services have a medical debt in my XXXX  file as a collection and I know is not mine. Transunion removed it two days after my dispute in XXXX but XXXX sent me a letter today XX/XX/21 letting me know that the debt is mine which is not. I have medicare and usually everything covered is paid in advanced and if not I always asked before service because I do not have sometimes the money to pay out of pocket, in general I always pay in advanced if there is any out of pocket amount or I do not proceed with the service. This collection debt is causing a lot of damage in my credit report now. It is very stressful for me.
Product: Mortgage

I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.
Product: Vehicle loan or lease

XX/XX/2020 Santander Consumer USA was sued for misleading subprime loans in Sc I was award an amount and according to the settlement my loan associated with the lawsuit had to be removed from all credit bureaus, Santander has failed to remove the item off my credit report after serve attempts. Attorney XXXX XXXX will take over if this matter isn't fixed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Midland Credit Management , Inc.

po box 2000 Warren, MI 48090-2000 Subject : Debt Validation Request 327028240 Dear Midland Credit Management , Inc. , I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and request that you provide the following information : Name of the Original Creditor : Identify the original creditor for the alleged debt. 
Amount of the Debt : Provide a detailed breakdown, including the original balance, fees, interest, and other charges. 
Proof of Agreement : A copy of any agreement bearing my signature that establishes my responsibility for this debt. 
Authorization to Collect : Documentation showing your authority to collect the debt on behalf of the original creditor. 
Complete Payment History : Include the date the debt was incurred and the date of the last payment made. 
Until you provide the requested validation, I request that all collection efforts and communications cease, except for providing the required information. 

Failure to validate the debt XXXX constitute a violation of the FDCPA, and I reserve the right to report any non-compliance to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Please respond in writing at the address provided above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX  XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX**, XXXX XXXX XXXX # XXXX**** THEY ARE NOT ACCURATE!!
Product: Debt collection

The reason for my dispute is because Portfolio Recovery Associates is in violation of my rights under section 809 ( b ) of the FCDPA for providing invalid documents with erroneous information to proof validation of debt this is why : On the alleged original creditor statement dated XX/XX/XXXXXXXX  shows a {$0.00} ( XXXX  balance ) because the prior month XX/XX/XXXX the amount of {$2.00} XXXX was charge off according to the statement. An electronic file provided by PRA allegedly states that this account was sold to PRA for the amount of {$2600.00} ( the amount is different from the last statement amount ) On XX/XX/XXXXXXXX  after a dispute challenging an erroneous original balance PRA recognizes the error and instead of deleting this account like they supposed to according to the FCRA they just change the balance. And instead of calling it an error they called it a credit. My dispute is this if the original amount is incorrect and/or erroneous it automatically invalidates the electronic file provided by PRA as proof of validation with this been said PRA has no way to provide proof any proper validation of this debt because all they have left is statements after statements which dont mean nothing PRA must comply with the law and remove this non fcdpa compliance account immediately. Attach to this dispute I am providing you with all of my dealings with PRA ( statements, electronic file ) I am requesting your assistance to up an end to this matter
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX sent me a XXXX XXXX  Mitigation Request Form for me to defer XXXX monthly payments for my car loan due to financial hardship. I have had the car loan since XX/XX/year> and have never missed a payment until recently which the loan was 75 days past due. I was told I had to make at least XXXX payment before they could submit the XXXX XXXX XXXX XXXX to defer XXXX payments due to financial hardship. I made a payment of {$XXXX} on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX to get a status of my request and was told it was denied due to some reason that I really didnt understand. Ive made on-time payments on this auto loan for over a year and only asked to defer XXXX or XXXX months due to the car being stolen and me being a victim of title washing. This is unfair treatment of a customer because XXXX XXXX never stated I had to meet a requirement to defer a payment. I was only told to complete the form, which I did over the phone on XX/XX/XXXX. The police case number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department.