23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I canceled my XXXX Mobile Service, and despite multiple phone calls I was still being charged and now have been sent to collections. When I closed the account I had a XXXX balance and I was no longer a customer. It is all verifiable through the chat log via XXXX mobile website. 

Now that the account is in collections. I have tried to call multiple times and am never connected to the proper people. I attempted to solve this through the collection company but they won't acknowledge the information is incorrect. I have filed several disputes via the credit bureaus to no avail. Also, the amount owed differs between XXXX  Mobile and the collections company ( CREDIT COLLECTION SERVICE ). The balance indicated by Xfinity is {$440.00}. The balance indicated on my credit report is {$650.00}. 
I would like my services properly canceled, and previous fraudulent charges to be removed and the collection canceled and credit restored. 

Here is the collection agency : CREDIT COLLECTION SERV Original creditor : XXXX MOBILE XXXX XXXX XXXX XXXX, MA02062 ( XXXX ) XXXX Thanks for your help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Self.Inc credit card took out a second line of credit without telling or notifying me. Then they had a 90 days with no payments so I didn't know anything about the hidden line of credit. I had no idea what so ever that I owed them anything or that it took out a second loan when I had money in my account. I never signed anything which makes it illegal and I want the late payments removed because I had perfect payment history until they did that in XX/XX/2022. I need my credit fixed because it isn't accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need my credit in order to be able to afford a roof over my head and if possible could you please resolve these issues for Me, Thank You. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! of the consumer to whom it relates. I NEVER gave any consumer reporting agency These accounts should not be furnished on my consumer report as they are in VIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report uno : following circumstances and no other : 12 in accordance with the WRITTEN INSTRUCTi WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proterted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXXXXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX  XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 19. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 20. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 21. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse
Product: Credit card or prepaid card

CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage company, FREEDOM MORTGAGE, is refusing to drop PMI insurance costs from my monthly mortgage payment, even though my equity is almost 30 % of my outstanding loan. According to their appraisal. Please help me, because I pay {$250.00} per month for PMI. it is a considerable cost to me. 
Thank you for your help. The remaining loan as of XX/XX/2023 is {$320000.00} and my property was appraised for {$420000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Equifax stated that the account that I disputed is already reporting paid as agreed with no late payments, but that is incorrect. The account is XXXX XXXX XXXX XXXX  XXXX and there is a late payment reporting in XXXX. I have informed Equifax that my payments were deferred due to covid so there should be no late payments reporting. Once again, please remove this inaccuracy from my credit report or I will take legal action for violation of the FCRA and CARES Act. Please see the requested proof of identification and remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 
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.
Product: Credit card

American Express has a policy of approving transactions on expired cards if they are a subscription. this is Fraud as Amex is approving unauthorized charges from a merchant that doesnt have current account information ( I.e. incorrect expiration date, incorrect CVV ). In talking with their reps - we all agree I didnt authorize the charge and American Express assumed I wanted them to go through. I did not
Product: Mortgage

I submitted a complaint ( XXXX ) over a year ago and I just in the process of checking on a complaint I submitted regarding XXXX XXXX XXXX and I accidentally logged into this site and found XXXX and two other complaints in the Check The Status of your Complaint link. This is the first time that I am seeing XXXX in this list and I reviewed when I saw you had it listed with a Status of Response Not Disputed. 

If I had know that XXXX was listed here and could have responded and that I was able to dispute the outcome, I would have responded a long time ago. None the less, I am here now and wish to dispute the outcome with the following response : After now being aware of this XXXX here at this site ( list ) and just ( XX/XX/XXXX XXXX reviewing XXXX, I have the following update on what transpired and that led to me having my home, that I paid for CASH, stolen from me by the crooked ways of the COURT and the ATTORNEY who represented the HOA ... all resulting from BOA not informing me they stopped all foreclosure actions in XX/XX/XXXX. 

The final judge admitted during the second to last time I went to court on this, that a prior judge, early on in the case, should have NEVER allowed the HOA 's CROSS-CLAIM to join BofA in the case, to be granted and that at that particular point, I should have been informed that BofA dropped the case and therefore there was no way for the HOA to join the case. She also stated in that hearing that this entire case was a mess and needed to be UNWOUND and that she was going to review the entire case and we would have a subsequent hearing to do the UNWINDING. 

I immediately borrowed money and retained an Attorney ( Crook ) and at that subsequent hearing it was obvious that the HOA XXXX via their Attorney crook ) and the other Attorney ( crook ) representing the now new owners ( thieves ) of my home, had long discussions, without me or my attorney and came to UNDERSTANDINGS. When I finally got into the room, all of a sudden no one had anything to say about the UNWINDING and all I was told ( by the same female judge ) was that she was unable to overturn the prior judge 's ruling, because he was a Senior Judge and she did not have that authority. So they allowed the HOA and the now owners to STEAL my property as I described in the initial complaint XXXX. 

This THEFT was allowed by the inept work of BofA in not informing me, that then resulted in the CROOKS working for the COURT and the HOA via their attorney, who were fully aware that BofA had dropped the case, to STEAL my home ( FULLY PAID FOR with CASH WHEN I PURCHSED IT ) and sell it for peanuts to the now, also crooks, new owners. 

This has ruined me and my family in many ways, the most damaging being the education of my children, not to mention MANY, MANY other financial issues that have resulted. 

I am owed {$420000.00}, the value of my home that was stolen from me!
Product: Student loan

We make monthly payments on both private and Federal loans for my student loans and Navient keeps mis-posting payments to the wrong accounts and making phone calls to us to " collect '' on the bills even though we are paying. They are also charging late fees and making us pay these fees on the account when we should n't have to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out, mailed, called FED-retail along with the Credit bureaus ( Experian XXXX XXXX XXXX ) to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see. 
15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.
Product: Debt collection

Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX TRANSUNION XXXX 
XXXX XXXX  Date of inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what they do to there customers over a disputed charge? XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

" XXXX XXXXXXXX Balance : {$5400.00}, XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXXXXXX XXXX XXXX  requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXXXXXX XXXX XXXX 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX XXXX Addresses ). 
Given that XXXX XXXXXXXX XXXX  did not validate this debt within the legally required timeframe, I hereby demand that Transunion immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$11000.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to both XXXX and Transunion. My dispute was about the " reporting date '' in an item in my report. I had a dispute with XXXX XXXX in XXXX XXXX. I paid the account and then closed the account. XXXX was the issuer of my XXXX  XXXX XXXX card. Upon closing the account my credit score went from XXXX down to XXXX within XXXX hours. No problem, I was 1 month late. Move forward to XX/XX/XXXX. My credit score was back to about XXXX someone reported the XXXX info to the credit bureau XXXX XX/XX/XXXX, my credit score dropped to XXXX. I had a long discussion with supervisor at XXXX  XXXX XXXX and she assured me they did not submit that report, in fact she said they hadn't submitted anything since I closed the account in XXXX. I'm almost sure the question from XXXX and Transunion sent to XXXX XXXX XXXX  was " is the information in the report true ''. Who submitted the data again on XXXX XX/XX/XXXX. After they closed the dispute I talked to them on the phone and they reopened the dispute only they gave me the same answer, the info in the report is true. Yes but who submitted it to credit bureau if XXXX XXXX  XXXX didn't. How can I get my score back to XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>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 XXXX 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 Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and haro inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed the accuracy of ACCOUNT- XXXX XXXX XXXX XXXX via mail to TRANSUNION . TRANSUNION replied via mail on XX/XX/XXXX, stating that the account was verified as accurate. On XX/XX/XXXX, I replied via mail requesting a description of the procedure used to verify the account. On XX/XX/XXXX TRANUNION responded via mail stating that the data furnisher verified the information on my credit profile. On XX/XX/XXXX I followed up with TRANSUNION via mail requesting the information received from the data furnisher used to verify my account. On XX/XX/XXXX TRANSUNION responded via mail stating that the data furnisher verified the information on my credit profile. 

On XX/XX/XXXX I responded to TRANSUNION via mail stating that the following information is reporting incorrect and inaccurate on my credit report Missed payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX The total sum of the payments NOT reported equals {$1200.00} which is {$250.00} over the balance ( {$990.00} ) being reported. 

The payment history is INCORRECT and INACCURATE The amount owed is INCORRECT and INCACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account with XXXX was paid off on XX/XX/2023. As of today 's date, XX/XX/2023, XXXX is refusing to report my loan status as PAID. Approximately {$11000.00} in Student Loans has been paid, and they are still showing up on my credit report. I have contacted XXXX various times to let them know that they have not correctly reported my information to the Credit Bureau. They are refusing to give me additional information or cooperate with reporting my information properly. I have proof and documentation in writing with a mailed letter stating that all loans are paid, but this is as much as I have gotten.