23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX  received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. 
After that, another collection agency bought the balance by the name of ( XXXX ), XXXX   XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. 
Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.
Product: Credit reporting or other personal consumer reports

Ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and my credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX code XXXX ( XXXX ) This late payment is to be removed from my credit report immediately, I have also notice that the date of the last payment is reported inaccurately on both XXXX and XXXX reporting XXXX different dates.
Product: Checking or savings account

On Wednesday the XXXX, I believe it was, Citibank NA informed me my checking account was blocked for want of identification of myself. I brought in as requested a US Passport and NY State Non-Driver 's license and my bank Debit Card.I know my XXXX was hacked and this computer probably is not safe but I have lived with the problem for years. The prior night I was ordering from XXXX and they told me someone else had my XXXX number. I have been trying unsuccessfully to get help. Almost two years ago my XXXX brokerage account was frozen by XXXX and XXXX is trying to help me get it back. I am a dual citizen of XXXX and XXXX and my beneficiary on the XXXX account I had put as XXXX XXXX as I really felt he would use it for the good of Russia.My checking account has about {$6.00}, XXXX to {$7000.00} in it.The computer threatens to time me out and I do not know why. 
My correct PHONE NUMBER is_XXXX XXXX 2036____________It appears incorrectly in another part of this submission
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX inquiry on XX/XX/year> was not authorized by me and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX  XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX  is not reporting this account, XXXX XXXX XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX TransUnion and XXXX are not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX TransUnion and XXXX is not reporting, XXXX is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX  and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint summery Trans Union has failed to respond to written disputes in 30 days. Trans Union has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.
Product: Credit card

Hello, I have called Citibank for a total of three times with an unresolved issue. My account has been locked. When I called Citibank, they requested a phone verification in order to verify my identity. I provided the home number of my father, an authorized user, which they called and provided a reference number. When I called back with the reference number, the bank further refused to verify my identity and asked for a fax of my ID as well as social security card. I am currently living and working abroad and unable to as well as uncomfortable with faxing sensitive information to the bank which I can verify over the phone.
Product: Debt collection

In XXXX of this year my brother received a call from XXXX XXXX, XXXX and told him I needed to contact them on a past credit card I owed on. I contacted the company and I was told I had an old credit card balance in the amount of close to {$2000.00} but the creditor would settle for around {$1000.00}. I asked for verification and asked who the company was. They told me they couldn't give out this information but they were getting ready to sue me. I told them it wasn't on my credit report and they explained they didn't have it on there which I thought was strange. I have paid this company {$60.00} a month since XX/XX/2019. I did find out from a representative it was from a bank called HSBC Bank and I have never had a credit card from them. I called asking for my money back but they will not work with me. I do not owe them anything. It is a scan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX BANK XXXX. [ Account # XXXX ], XXXX XXXXXXXX BANK [ Account # XXXX ], XXXX XXXX XXXX XXXX [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

DELETE THESE ACCOUNTS
Product: Checking or savings account

I've been trying to close my 360 checking for like a year I opened it over a year i half ago well something was put in my account by a friend I did tell them my friend had did it but it never was even accepted, a check that is. They rejected it cause he altered it by putting my name on it but it never deposited it even went thru. They had my account locked cause of a check if my friends was out into my account. Bottom line is they said I have to verify every other check I out in. I'm like XXXX well they won't close my account and I can't withdraw the money but phone automated says funds available are what the balance is XXXX well they refuse to talk to me I call they send me to voicemail or it jhangs up I just want my money n the account closed it's been sitting there for a year already or more cleared not return n they won't close it.
Product: Mortgage

I was approved for a XXXX due to XXXX in 2021. During this time, I was also XXXX from my job and XXXX XXXX XXXX XXXX XXXX. I applied for Unemployment and was denied. I appealed the denial & the hearing just happened this month ( XXXX years later ), and the final decision is still pending! In 2022, I contacted my mortgage company and explained my situation. I was approved for an extension on the XXXX. But, I still ended up having to file XXXX due to XXXX XXXX and the inability to pay any of my bills! XXXX XXXX XXXX XXXX reviewed my application, and stated my mortgage would have to be behind {$50000.00} or less and they could help me stop the XXXX/ I contacted Mr Cooper to see if they could accept the full amount from XXXX XXXX XXXX XXXX, and allow me to modify the difference. A supervisor at Mr Cooper said " No. The full amount past due would have to be paid to prevent the XXXX. '' Reviewing the added on fees for Mr Cooper 's attorneys and inspections, etc. - none of which I had been made aware of, I went to Legal Aid for assistance. I was told by an attorney there, that XXXX should have protected me from any of there additional fees and my mortgage should have been reaffirmed once the XXXX was XXXX. Neither were done. Mr Cooper kept assigning my loan for a modification to a XXXX, male named XXXX XXXX. He was VERY RUDE! My husband asked him to explain the math on what was owed, what they were requesting the interest rate and monthly payments to go up to? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband refused to sign the papers ( and he is on the deed ). He said this was clearly predatory lending, and if we knew beforehand that the XXXX XXXX would have left us in this type of situation, we would not have even done it! 

Today, I received another call from Mr Cooper to see if I had received the new modification papers ( still with a higher interest rate, now a XXXX year term, and higher monthly payments ). The guy said they needed to be signed, notarized, and returned by XX/XX/XXXX or the XXXX  continues. I asked about the XXXX  Payment Supplement and he stated " They have not been made aware of any type of new XXXX program or assistance. As a result, I need to sign the modification papers I received to prevent it from being denied the next time. '' I asked him about my mortgage being reaffirmed with my XXXX and he told me to contact my attorney. I did ... and I also researched more information on the XXXX  Payment Supplement and I would qualify for this assistance, and this would give me time to get my mortage caught up! Mr Cooper is refusing to assist me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, I was based in the apartment XXXXXXXX XXXX  from XX/XX/XXXX to the end of XX/XX/XXXX, my contract was until XX/XX/XXXX and they did not renew the contract because they wanted to demolish the apartment, but they allowed me to stay in that apartment until the end of XXXX, I vacated the apartment on XX/XX/XXXX and handed over the key to the office and received the receipt. During all the years I have lived in the apartment XXXX, I have paid all the rent in full and on time, and I have all the payment receipts. And I have no debt. After 3 weeks, I went to the XXXX  north office to receive the deposit amount, and they said that I should request the deposit amount from XXXX.And they gave me an email to correspond with them, after the correspondence and email sent by XXXX company, I found out that they charged me XXXX dollars, I followed up with the management of XXXX and they emphasized several times that I had no debt and printed a sheet for me that clearly stated that the balance was zero.After that, I corresponded with XXXX company several times by phone and email and inquired about the reason for the debt, but unfortunately they did not have an answer to my questions and said that we do not have information about your case and you should contact Collection.I have called the collection several times and sent emails, but I have not received any positive response and my emails remain unanswered. 
My explicit request : First of all, I don't have any debt, but if they think that I have a debt, they should clearly inform me which month and what the debt is related to ( for example, the amount of rent, water, gas, etc. ) As I said before, I have receipts for all payments and will send them if needed. 
Thank you.
Product: Mortgage

I was notified by my homeowner 's insurance company on XX/XX/2022 that my premium was not paid by my mortgage company, New American Funding. The policy expired on XX/XX/2022. New American Funding never attempted to contact me. My insurance company reported to me that multiple attempts to request payment from New American Funding went unanswered. I have been in contact with New American Funding and have been given false information. I was told my premium had been paid when it had not. I spoke to a manager who again assured me that the premium was paid and later informed that it had not been paid. I have requested New American Funding to contact me to address my concerns and they have yet to give me an answer. My insurance company stated my policy is not active. 
I have received no mail or email correspondence to forward to you. Please look into my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX  and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX  and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for removal. I have been fighting this issue for YEARS now. As a XXXX Veteran and someone who no longer has outstanding loans with XXXX, the practices of this company are malicious and not valid.
Product: Debt collection

William and Fudge incorporated has been calling me relentlessly ( every day ) for over 4 months and is now trying to contact my family. They have called my mom, who was on the loan with me and has spoken with them ( they began calling her before I permitted collectors to talk with her about my debt owed ) and have now contacted my uncle. My uncle lives in another state and is not tied to me financially or by name. My family and I feel unjustly harassed while we are already dealing with the stress of managing this debt. I am an XXXX member with student loan differment and have very few options for financial repayment, and my family members who are in no way tied to me, my loans, or my debt are being accosted by a hostile collection agency.
Product: Debt collection

Capital One send me Capias Arrest Notice on XX/XX/2019 although I have payment agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Mortgage

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a distressing situation I have encountered with my mortgage lender, Mr. Cooper, also known as Nationstar Mortgage. As a XXXX veteran XXXX XXXX, I have been faced with numerous challenges in my pursuit of assistance, and I believe that I have been discriminated against based on my status as a veteran and my XXXX. 

I am currently at risk of losing my home, with a forced sale scheduled for XX/XX/year>. Despite my numerous attempts to communicate with Mr. Cooper about obtaining a loan modification and other forms of assistance, I have experienced consistent barriers and a lack of support from their representatives. I have called multiple times, pleading for help and explaining my situation, but my requests have been met with indifference and rejection. 

It is particularly disheartening that Mr. Cooper has not only refused to assist me but seems to have disregarded my circumstances as a XXXX veteran entirely. The stress of this impending sale is compounded by my condition, which affects my ability to navigate these challenges effectively. 

I would like to bring to your attention the following points : XXXX. **Lack of Assistance** : Despite being a long-standing customer and having a legitimate request for a loan modification, Mr. Cooper has consistently denied my applications without providing adequate explanations or alternatives. 

XXXX. **Discrimination** : I believe that my status as a XXXX veteran has played a role in the lack of support I have received. The treatment I have endured feels discriminatory and unjust, as I am entitled to fair treatment under the law. 

XXXX. **Risk of Homelessness** : The imminent sale of my home poses a severe risk to my well-being and stability. I urge your office to investigate this matter thoroughly and provide guidance on how I might rectify my situation. 

I kindly request your assistance in addressing this grievance with XXXX XXXXXXXX XXXX. Moreover, I hope that my experience can contribute to better practices and policies for assisting veterans like myself in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Debt collection

I'm getting robo calls from XXXX for debt collection when I have excellent credit and no out of compliance debt obligations. This number is well documented on the internet for harassing people who are not qualified for a debt collection solicitation.