23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I added my cousin as an authorized user to my Wells Fargo credit card back in XX/XX/XXXX and wells Fargo is not reporting to his credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX EASTERN ACCOUNT SYSTEM,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 or prepaid card

I received a call from, they said XXXX, that my account as about to be charged {$850.00}. They had the wrong name but my cell phone number. The number on the caller ID was XXXX. There are no charges yet on my XXXX XXXX but this is the second of this kind of call in the last week. 

My Phone is XXXX. XXXX denies this in XXXX of their phone numbers. I have never had XXXX to call about charges " about to be charged '' regardless of the amount.
Product: Credit card

Call from XXXX XXXX, VA XXXX. Person calling said that someone in XXXX, XXXX had charged {$2000.00} to my CitiBank credit card. They had my SS number, but would not verify the last 4 digits of the card. I do not own a CItiBank credit card. They were trying to sreal more informaiton.
Product: Credit card or prepaid card

Purchased a Mattress from XXXX on my XXXX XXXX  Credit card. Was delivered three, charged for 2.  First delivery, damaged in shipment and not delivered. 2nd Shipment delivered. 3rd delivered and delivery refused and told by amazon to me to do. I also purchased an XXXX Gift Certificate for XXXX dollars to receive a XXXX dollar bonus which also appears on my statement. Talked with XXXX dispute resolution and they stated i could only dispute the charge for the extra mattress. Unfortunately, the charge appears as one line item, but in actuality is combined of 4 items : 1. A mattress costing XXXX less a credit of XXXX XXXX. A mattress frame costing XXXX less a credit of XXXX Therefore being allowed only to dispute XXXX when the mattress never received cost XXXX as reflected in the XXXX statement charge is incorrect. I spoke with both XXXX and a supervisor and was not able to record a dispute the credit not delivered of XXXX.
Product: Debt collection

I am showing an account on my credit report from receivables performance for XXXX account. I have already taken care of this with XXXX and do not owe any money. It started out with a balance of {$960.00}, and I filed a dispute with transunion due to me not owing this collection balance. This came back with the balance reduced to {$380.00} and with the remarks that it was disputed and meets FCRA requirements. I have reached out to both this company and XXXX and keep getting the run around. XXXX is telling me that it should have been removed from my credit report and credit karma because they are showing no collections balance with them and showing this account had been taken care of. I need this deleted ASAP.
Product: Debt collection

To whom it may concern, On XX/XX/XXXX I signed up for a 6 month subscription to XXXX for approximately {$440.00}. After the six month subscription period was over I was no longer able to sign into my XXXX account, at which point I realized that my subscription had concluded. I moved on and did not pursue any further subscription with XXXX. A month or so later I received an email from XXXX stating that I owed them {$890.00}. I no longer have that email as I was under the belief that it was a malicious/scam email so I deleted it. A couple months later ( late XXXX ), I received an email from a company called RFGI who I now know is a debt collector. They stated that I owed {$890.00}. I called RFGI shortly after receiving that email, but early on during the call they asked me for my date of birth at which point I hung up. I was still questioning the legitimacy of this collection attempt and was unfamiliar with this company RFGI. I deleted that email as well, as I thought this could be another scam tactic. After a week or so went by, I was curious about these inquiries and decided to reach out to XXXX directly in order to validate whether or not this debt collection attempt was legitimate. I sent the inquiry to XXXX on the morning of XX/XX/XXXX. Based on their response the morning of XX/XX/XXXX, I found out that they were in fact trying to collect {$890.00} dollars from me for an additional XXXX subscription that I never signed up for. In addition, I want to be clear in that I recognized no benefits from this XXXX additional subscription ( i.e. - I was locked out of my XXXX account after my original 6 month subscription concluded ). Today ( XX/XX/XXXX ), I submitted a formal dispute to RFGI requesting validation of this debt be sent to me via certified mail. Now that I understand the legitimacy of these inquiries, I will be sure to hold onto any further correspondence relating to this issue ( i.e. - no more deleting emails that I thought were fraudulent ). I've asked RFGI to contact me via Postal Mail moving forward and will await the debt validation letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. 

XXXX XXXX # XXXX First you published inaccurate balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX  XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU  HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account # XXXX -XXXX account # XXXX -XXXX XXXX XXXX XXXX account # XXXX -XXXX  XXXX XXXX. account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under XXXX5 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/year> XXXX
Product: Debt collection

I just gained access to my credit report and noticed that XXXX XXXX has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their is 1 collection on my account that i never knew anything about.
Product: Credit reporting, credit repair services, or other personal consumer reports

" RE : XXXX '' Yesterday I emailed Experian to let them know that twice now, I have been provided with a report that is more than a year old. It is not a current nor accurate report. First I requested my free annual report, that was dated XXXX of XXXX. Then I signed up to receive all three credit reports for a dollar. A second time I was provided the same inaccurate and out of date report. I have reported it to Experian, and have received the same vague and irrelevant response from multiple agents. Responding back to an agent has only gotten me the same vague and irrelevant responses three times now. Including an email that states my membership was cancelled on XX/XX/XXXX with creditworks, which I find odd because that is not the name of the company I originally signed up with. It was something like " XXXX.XXXX  ''. 

In addition to the irrelevant responses from experian, the company I signed up with in order to receive all three credit reports for a dollar, took me to experience website to sign in. There was no confirmation email, nor any instructions on how to cancel a membership that would charge me again in 7 days. Now I have a XXXX, my XXXX XXXX is through the roof, and my XXXX  is getting the best of me. I fear that this company will attempt to charge me again for irrelevant and outdated information, for which there is apparently no remedy. I believe they have violated my rights according to 15 USC 1692e, 15 USC 1692f, 15 USC 1602, & 15 USC 1681n.
Product: Student loan

I have created many complaints on behalf of AES for not allowing me to put me in a payment plan where my payment goes to my principal is a respectful way. I pay {$270.00} a month and cents only goes to my principal. If you see my payment history, it hardly touches my principal. THIS IS WHY WE NEED REFORM AND NOT A GOVERNMENT BAILOUT! 

- see payment history attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX from XX/XX/XXXX to current date pertaining to inaccurate information on Transunion and XXXX reports. Also contacted Transunion and XXXX   regarding issues but they refuse to correct eventhough I have provided documentation. 
XXXX per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by XXXX to me pertaining new agreement but when I contacted XXXX pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
XXXX refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE Transunion and XXXX refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I bought the XXXX XXXX Limited-Edition Bundle in the XXXX website on XX/XX/XXXX for {$860.00} through PayPal Pay in 4 installments. I never received the package so I filed a dispute on PayPal on XX/XX/XXXX as XXXX is notorious for not responding to customers. I also filed a claim with XXXX as XXXX asked. The case took a month with multiple back and forth with PayPal ( about why the case was taking longer than expected ), XXXX, and XXXX ( multiple investigations about me still not receiving my package. PayPal closed the case in favor on XXXX. I called PayPal customer service and asked if there was anything else I could do and the representative said the next best option would be to dispute with my bank, so I did. I have paid 3/4 ( {$650.00} ) of the installments so I disputed those and XXXX XXXX  settled in favor of me and I was credited back that money. However, I was berated with calls and messages from PayPal claiming that I owed the total amount ( {$860.00} ). I contacted my bank and they said they had already notified Payal. To be sure, I called PayPal customer service and was transferred from the general representative to the financial specialist to the Pay in 4 representative to the dispute team with no one understanding my problem. The case has been settled in my favor with my bank, thus I should no longer have to pay anything. A few weeks after submitting a claim to the Consumer Finance Bureau, I received a call from someone at corporate PayPal explicitly stating that I didnt owe PayPal anything and that they were sorry for the events. However, I tried to use PayPal credit for a purchase and I received a letter in the mail on XX/XX/XXXX stating that I was denied because this same installment was delinquent. This has probably already affected my credit score and the PayPal representative deliberately lied to me.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

My husband passed away and we had a mortgage with Nationstar. I know that I am on the security instrument and the deed of trust but will not let me have a right to speak on the property. However Nationstar offered a loan modification in which I have been performing on month after month ( over 4 months ). No funds have been sent back from Nationstar and I have sent documents to assume the loan. I even asked Nationstar in writing can I assume the mortgage and still not response. However, even after they call daily, have emailed my point of contact XXXX XXXX I can not get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the XXXX  breach. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern, XX/XX/2018 My complaint is against Fay Servicing as they were assigned my Mortgage while I feel behind during my divorce. I had file a complaint in XX/XX/XXXX ( XXXX ) regarding a lien that was placed on my property for unpaid utilities and XXXX  quarter taxes, in their response to that complaint they stated that it was for utilities alone and that they werent responsible for those which is true however there was also the XXXX  quarter taxes in that lien for which I borrowed the money from my employer to pay this lien on XX/XX/2018 ( see documents ). I called my case manager XXXX XXXX and explained all this to him but he stated they paid the taxes. I then went to the XXXX City tax off ice and spoke to XXXX, the tax collector and he printed everything out for me for which I had sent to my case manager and called to follow up but he never called me back. The only thing that was resolved from that first complaint was that they did grant me a temporary mortgage modification agreement for which I agreed to accept. I am still waiting for the credit ( {$1000.00} ) to apply to my account for the taxes I paid however my case manager XXXX XXXX stated via phone this morning that they are not going to refund me that money as there is no shortage on my escrow account however my mortgage includes the insurance and tax payment therefore I am paying paying them twice, once to the city on XX/XX/XXXX and again in my mortgage payments. I also never received and explanation as to where the {$47000.00} they received from the XXXX went toward my account as it appears there is still a forebearance showing on my account and that money issued to them in XX/XX/XXXX. shouldve covered and past due payments, taxes or fees to my account when I feel behind.
Product: Credit reporting or other personal consumer reports

My student loans was forgiven in XXXX of XXXX, XXXX has failed to update the credit bureau. They are still reporting a balance of {$210000.00}. When asked for this to be investigated the responded that their investigation revealed that the report was valid and accurate ; however, my online account states zero balance and I have the letter stating that my loans were forgiven. XXXX is failing to report accurately to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report and notice unauthorized inquiries on my credit report
Product: Debt collection

On XX/XX/XXXX, I let my son use my credit to purchase a vehicle. My son worked for the XXXX XXXX in XXXX, TX. In XX/XX/XXXX the XXXX XXXX start laying off people and my son was laid off. My son kept the vehicle to look for another job, but things were moving slow and after several months had passed the payments were not being paid on time. And late payment notices started coming in as more time pass. After the first week in XXXX more notices started coming in, calculation of surplus, amended calculation of surplus and then notice of plan to sell came in on XX/XX/XXXX, and the dealership took the vehicle back on that day. In the notice, the dealership said that you can get the vehicle back at any time by paying us the full amount you owe, the vehicle total was {$41000.00}. and they wanted {$39000.00}. they also said that they will sell the vehicle at a private sale. The monthly payments were {$640.00}. The dealership sold the contract to XXXX XXXX , XXXX for $ XXXXand this company sold the contract to CCB Credit Services for {$19000.00}. I am retired. I will fax info for review.
Product: Debt collection

XXXX XXXX XXXX scammed me and ruined my smile. I asked for a refund but they refused. They promised they would send new retainers to fix the issue but never did. Healthcare finance direct is partnered with XXXX XXXX XXXX and they keep sending voicemails and emails even though I stated to them I was scammed by XXXX XXXX XXXX and will not be paying the remaining account. XXXX XXXX XXXX XXXX has not just scammed me but thousands of people that is why they are out of business now ) Healthcare Finance Direct sent a letter in the mail and I received it on XX/XX/XXXX. The Letter states Your Account could be sent to Collections once your account is sent outside the collections agency non payment of your balance could adversely impact your credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts that have been unverified and was requested to be removed by the 3 credit bureaus ; Transunion, XXXX, and XXXX. I have sent 2 letters asking for proof of validation with ( 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. ) I have received no such proof! I sent letters out in XXXX, and XXXX. 

These collection accounts are also not reporting accurately. How can all 3 bureaus be reporting the same collection, but 3 different account numbers WITH ONLY XXXX If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and