23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved from an area that XXXX XXXX. I physically took all the equipment ( modem, router, remotes, cable boxes, etc ) to a brick and mortar XXXX store in XXXX, NJ. I had everything in a plastic milk crate, was the XXXX or XXXX person on line when the store opened. Handed everything to the gentleman behind the counter and asked him to please close the account, he took everything out of the crate and said ok. I made sure there was no balance on the account before dropping everything off. After a couple months, I got an alert that there was a collection on my credit score. When I checked, I immediately called XXXX and told them this was a mistake and explained why. The woman on the phone said she would look into it. Shortly after I checked my credit report and the Collection was still there but with a lower balance. I called XXXX again and asked what was going on. The woman said it was lower because I returned the equipment so they gave me credit for that. I said, AGAIN, that the account was closed the day I returned the equipment. I told her this made no sense. Why would I return the hardware and not close the account. What good was the account to me if I had nothing to use to watch it with. She said there wasn't anything else she could do. I am so confident I am right, I can actually describe with the man was waring and what he looks like a year later! 
Thats when I opened up a dispute with : Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$380.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX THE RESULTS OF THAT WAS THIS : Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This item was deleted. 
******** So now after that collection company no longer is handling the case, they opened a new one under a different collection company : Report Number XXXX Date Generated XX/XX/XXXX ccount info Account name SUNRISE CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$300.00} Highest balance - Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
************** It has already been taken off my credit and now XXXX is trying to bully me into paying a bill that is NOT mine! The account was closed before the new billing cycle started.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and Transunion consumer reports, and I noticed that it is reporting my transactions and experiences with this company.
Product: Payday loan, title loan, or personal loan

Hello. During XXXX I was shopping for a personal loan for wedding expenses. I checked with XXXX and Prosper. I applied with both. After reviewing the terms of both companies, my fianc and I decided to move forward with the loan with XXXX and not with Prosper. I sent an email out to Prosper advising them that I do not wish to proceed with funding the loan because the rate is too high. I also called them and they had told me they would research it at the time and make a stop. However, Prosper ignored my request, never reached back out to me or replied and funded the loan. I have been battling with them to give them tehir money back, and I refuse to pay their origination fee of {$1700.00} since I never agreed to finalize with them on the loan. Prosper continues to ignore my request and they are threatening to report delinquent payments to my credit report and they are standing by and saying I am responsible for their loan including the origination fee. Please assist me in getting Prosper to take their  money back by sending me a payoff demand minus their unlawful origination fee. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to any of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against SoFi Banking regarding the improper withholding of my funds and the subsequent attempts to close my account without providing a clear or valid explanation.

I have been a customer of SoFi since XX/XX/scrub>XXXX XXXX  and have used their services to manage my funds, including my direct deposit from my job and assistance payments. Recently, SoFi notified me that they would be closing my account due to my use of a third-party cash application to transfer funds into my account. However, I have been using this method since I opened the account without issue, and I was even explicitly informed by a customer service representative that this practice was acceptable. 
Despite this, SoFi now claims that my use of the third-party app violates their policy and, as a result, they are withholding my funds and stating that I am not entitled to the remaining balance in my account. This decision is unreasonable and unfair. I have worked hard to earn the money in my account, and the funds include my wages and government assistance payments, which are essential for my daily living expenses. I have received no proper explanation as to why my account is being closed or why my funds are being withheld, and I feel I have been denied a chance to resolve the situation appropriately.

Additionally, the information provided to me by SoFi representatives has been inconsistent and unclear. I was not adequately informed of any potential risks related to my use of third-party applications, and I was previously told that using such services would not cause problems. Now, they are taking actions that jeopardize my access to funds I rely on, with no clear path forward for retrieval.

I am requesting the following : 1 A detailed and clear explanation of the specific policy violation that led to the decision to close my account and withhold my funds.

2 Immediate release of all funds in my account, including the full balance, as these funds are legally mine and essential to my well-being.

3 Assistance in resolving this matter in a fair and transparent manner.

I ask that the CFPB intervene and help facilitate the resolution of this matter, as it is causing undue stress and hardship. SoFis actions appear to be in violation of consumer protection laws, and I respectfully request that they be held accountable for their treatment of my account and funds. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Score hasn't been increasing anymore. I feel like my Credit Score is incorrect. I don't know who to call.
Product: Credit card

I became aware that my driver 's license was unlawfully acquired and subsequently exploited to initiate the establishment of a business credit card account. Upon discovering this unauthorized activity, I promptly took the following legal actions : I reported the incident to XXXX, detailing the misuse of my personal information for fraudulent account creation. 
Concurrently, I filed an official police report with law enforcement authorities, outlining the circumstances surrounding the theft and misuse of my driver 's license. 
Regrettably, Capital One has persisted in imposing responsibility upon me for the outstanding balance of {$6300.00} associated with the aforementioned business credit card account. It is imperative to emphasize that this business credit card account exhibits no correlation with my residential addresses, email addresses, or phone numbers. I have never executed any form of payment in connection with this business credit card, nor have I been affiliated with the cardholder or any authorized users associated with the account in question. 

I contend that Capital One 's insistence on holding me accountable for a credit card account that I neither initiated nor have any association with is in direct contravention of legal provisions. Pursuant to the case number assigned by Capital One, which is XXXX, I hereby assert my rights and request a comprehensive investigation into this matter to rectify this unjust situation and absolve me of any unwarranted obligations related to the said credit card account.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XXXX did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns.
Product: Debt collection

Hello, I am writing in regards to an account that is listed on my credit report under the name on LVNV funding, this debt was paid and settled with a company by the XXXX XXXX XXXX XXXX. I have submitted my bank statements and payment confirmation via XXXX  but have had no success. There has been some mishandling in the chain of custody of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING A HARD TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct. # XXXX. 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 an 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 aggregates 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover incorrect accounts on my credit report, and Im clueless as to why they appeared. Ive checked my report regularly, and its always been fine, but today, there were random discrepancies. I even tried refreshing my browser in case it was a mistake, but the errors stayed. Im requesting a thorough review of the documents Ive provided so I can finally stop worrying about this.
Product: Debt collection

On XX/XX/2020 I canceled my XXXX Account in XXXX. I moved to XXXX permanently and no longer needed service. Unfortunately I made many attempts by phone, email but no one would get back to my due to corvid 19 shut down. Finally someone from XXXX XXXX called me back and confirmed service was turned off XX/XX/XXXX, XXXX we made several attempts to turn in equipment but offices were closed. I made arrangements with my in laws and they attempted several times and were directed to leave equipment at XXXX office in XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/2020 from Sunrise Credit Services demanding the amount of {$880.00}. this included amount of XXXX service charge plus equipment charges of XXXX I explained equipment was dropped off. they still insisted I owe XXXX. I explained I paid up to XX/XX/XXXX and would be willing to pro rate amount for the period of XX/XX/XXXX -XXXX XXXX. Sunrise Credit refused. They insist on payment for whole month even though service was discontinued XX/XX/XXXX. How do I fight this? I have continued to XXXX XXXX concerning this matter and no one gets back to me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX infamously mishandled millions of Americans private data including my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Lexington law charge my account for service that was cancelled. 
I was billed for service that was cancelled. I will like for the fund to be returned as soon as possible. I no longer want service. Please see the attached picture from the website concerning my account be cancelled.
Product: Mortgage

Carrington Mortgage Service, LLC notified us of a surplus in our escrow and sent us a {$7000.00} check. In the same letter they notified us that our payment was going up by $ XXXX - roughly {$2200.00} over 12-months. 

I call spoke to a customer service rep and ask if I could send back {$2200.00} of the surplus to keep my payment the same. ( Note, I own a number of properties and do this with all escrow increases. Also, my wife is a former bank examiner for the Federal Reserve ). The customer service rep confirmed the amount I should send in and gave the Escrow dept address. 

A check was mailed in for {$2200.00}. Today I receive the check back stating " Escrow surplus ''. And another letter saying my payment was still increasing. Called Carrington again and spoke with two representatives who said there system would not allow a payment and I had to pay the month increase even though I have a surplus.?

From my understanding, RESPA does not explicitly provide a right to pay off an increase in escrow to maintain the same monthly payment, but mortgage servicers often allow such payments as a customer service practice. How do I go about keeping my payment the same? Regards.
Product: Credit reporting or other personal consumer reports

I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year> LIKE THEM REMOVED PLEASE
Product: Debt collection

I am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX  Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX  asking for information about me. Inappropriate and I believe not allowed under the collection laws.
Product: Student loan

My credit rating just took a 100-point drop as of today. It had gone up as of yesterday when I got caught up on my loan. It shows that the balance of my loan has gone up. I am on an income-based repayment plan because I was laid off last year due to COVID and had to take another one that paid over {$10000.00} less. How can my credit rating go down that much overnight when I just got caught up on my loans? Is the payment even being applied correctly? Such a low credit score can severely impact a lot of other things. All they should be reporting is that Im paying on this loan and I am paying on time. Nelnets business practices and credit reporting processes must be investigated. This is happening to way too many people and I believe there is something highly unethical going on here. I think the company may be resorting to shady reporting tactics to try and squeeze more money out of people paying on their student loans, especially since the freeze on interest and payments has been extended.
Product: Credit reporting or other personal consumer reports

Capital one bank - Capital one bank Capital one bank XXXX XXXX XXXX XXXX XXXX  These creditors are unable to provide proper documentation proving that I am able to pay the interest and charges on the account. 

XXXX XXXX collectors reached out and make false representations about my account. While the payment was active, the still reported the account as charged off.

All creditors are unable to prove that I made an agreement of payment on each account.

I am hereby requesting that all 5 closed accounts on my credit report be removed.
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 a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX and XXXX. 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.US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX DEPARTMENT XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, XXXX DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Product: Debt collection

Central Portfolio Control continued to call me, day after day, when I finally was around my phone to answer, they demanded I give them my full name, address, date of birth and social security number before they would tell me a scrap of information on the debt they attempted to collect. I provided my name and address, even my date of birth when pushed relentlessly, and they still refused until I provided my entire social number, which I am uncomfortable with doing for a company I know nothing about. They said " then we have nothing more to discuss with you '' and hung up on me. When I called back, I got the same answer, they continue to refuse to provide me with the original creditor. I even asked if they could provide a list of companies they collect for so I could get a better idea of what it was about to continue to discuss resolution, they again refused until I provided the entirety of my private information. I was hung up on multiple times when trying to reason with them and site the laws that say they are required to provide me with things. I requested they mail me information then, got a snarky response and still have yet to receive anything from them. I see them finally populate on my credit report, but it still says nothing about the original creditor, so I have no idea where this " debt '' is from.