23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received services at XXXX XXXX on XX/XX/XXXX and was on a payment plan to cover my balance. During my initial visit, I informed the XXXX that I am a XXXX XXXX managing expenses on my own. Despite this, the office placed me on a payment plan that has now led to financial distress, which I believe could have been handled more responsibly. 

According to the office 's portal, my total bill was {$2600.00}. My insurance covered {$1700.00}, leaving me responsible for {$900.00}. I made six monthly payments of {$120.00}, plus a {$100.00} down payment, totaling {$820.00}. Despite this, I was told that {$700.00} of my balance has been sent to collections. 

The portal inaccurately shows that I have only paid {$170.00} toward my account, even though I have receipts confirming the payments. This discrepancy has not been adequately explained, and the office has not clarified how my payments were applied. 

When I contacted the XXXX  office to address these concerns, I was informed that accounts are sent to collections after 90 days of non-payment. However, my last payment of {$120.00} was processed on XX/XX/2024, which contradicts this policy. 

The representative I spoke with seemed uncertain and deflected my questions about the payment discrepancy. Instead of addressing my concerns, they focused on defending the decision to send the debt to collections. After I sent an email demanding written confirmation of the debt, I received a call back hours later. 

During the call, the representative suddenly cited a contract that I allegedly signed in XX/XX/2024. This contract was only sent to me after I pressed the issue, raising concerns about whether the terms are accurate or retroactively altered. Additionally, I never received a copy of this contract at the time I signed it, and I could not find it in my email records from XXXX. 

Lastly, I discovered the notice of the collections referral in my spam folder, meaning I was not adequately informed or given a fair opportunity to resolve the balance before it was sent to collections. 

I believe I have been unfairly treated due to billing errors, poor communication, delayed sharing of documentation, and deflective behavior from the representative, which has caused unnecessary financial and emotional stress. 
I believe I should have been provided with a copy of the contract at the time of signing or immediately after the treatment. The fact that it was only shared with me after I pressed the issue raises concerns about transparency and accountability
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had a breach. I have included credit report as well as XXXX  and both are telling companies I opened cards when I did not
Product: Mortgage

My property has deliberately put on foreclosure by Mr Cooper and completely ignoring my request to fix the issue. They send people to my home to deliver notice and same person asking to buy my property cash. I applied for modification with my mortgage servicer nations star and met all requirements and received letter stating it was completed ( see attached ). Then my mortgage service changed to Mr Cooper and they claim they didn't receive documents. Upon review, they found documents and to-date im waiting for phone call back from 5 customer service representatives. My payments held in suspension not applied and property put on foreclosure. I have called this company 3 times a week no resolution. Letter attached
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX  regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX  has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX  to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX  for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX  be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Product: Mortgage

I received a letter dated XX/XX/2021 identifying my mortgage was being transferred from Mr. Cooper to XXXX XXXX  as of XX/XX/2021. The letter states the date my present servicer which is Mr. Cooper will stop accepting payments is XX/XX/2021. I made a payment through the Mr. Cooper app on XX/XX/2021. On XX/XX/2021, I received confirmation the payment of {$3500.00} was posted to my account. In speaking with my Bank on XX/XX/2021 my Mortgage Servicer Mr. Cooper reversed my payment back to my bank. The details on my Bank account show this payment was reversed. This is unacceptable and violates Mortgage Servicing regulations & UDAAP. The funds for this payment are good and should not have been reversed by the servicer. Mr. Cooper 's practices are abusive to me as a consumer and also violates servicing regulations. I will gladly have my Bank provide any proof demonstrating the lender reversed my payment. This should be resolved immediately and my payment should be credited as the regulations requires as of XX/XX/2021.
Product: Debt collection

In accordance to the fair credit reporting act, Radius Global solutions ( 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 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

I noticed an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried to inform credit bureaus of the address on my file where I have never resided. They told me I have to contact the collection company. After multiple attempts, I was finally able to contact Radius Global Solutions and they refused to remove this inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I filed a XXXX  XXXX bankruptcy on the XX/XX/XXXX at the United States bankruptcy court XXXX XXXX XXXX XXXX  case number XXXX 100 % plan and the case was successfully Discharged by the court on XX/XX/XXXX XXXX. Last year XXXX I made a phone enquiry about an Early Exclusion with Equifax credit bureau about delating or removing this information from my credit report before the official drop off date which is XX/XX/XXXX this year and thats when I discovered an anomaly on my credit report that, there was a chapter XXXX on my credit report filed on the same date that my chapter was discharged ie XX/XX/XXXX XXXX with the same case number XXXX at the same United States bankruptcy XXXX XXXX XXXX XXXX XXXX . I have made several calls and disputed this on their website all without any success and the last update email I got from them affirmed on my credit report that the reporting was correct.The last conversation I had with their customer service representative was that, i need to go to the bankruptcy court and get an official bank statement that the reporting or the case in issue was not mine or else theres nothing they can do about it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report. I am genuinely affected by these accounts, as they are not mine and I should not be held accountable or responsible for something that was opened without my knowledge.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX , Equifax and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Product: Debt collection

Since 2009 Capital One is saying I owe {$1000.00} in some account number ending in XXXX. The debt is not mine and Capital One can not verify I owe this money. 

I have asked for copies of bills and Capital One can not produce. 

Also Capital One is saying I also owe on some account # ending in XXXX in the amount of {$550.00}. 

I want this off my credit reports.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by XXXX and XXXX but is listed as " {$4700.00} '' by Equifax, leading to discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by XXXX and XXXX, but Equifax inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by XXXX but " XX/XX/year> '' by XXXX, while Equifax does not provide this date. 
o The " Two-Year Payment History '' shows inconsistent delinquencies. For example, XXXX and Equifax report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while XXXX does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while Equifax includes " Real Estate Mortgage FHA mortgage. '' XXXX provides no comments at all.
Product: Credit card or prepaid card

Citi Bank canceled my credit card on XX/XX/XXXX but did not provide complete written notice until XX/XX/XXXX, so effectively they canceled my card without providing any notice. This action is unfair. When I called to have my account reinstated the associate advised that they couldn't offer the exact same product and would have to re-pull credit reports. She further advised that these could be pulled from all three major credit reporting agencies. My credit is frozen due to the XXXX   breach so I would incur a fee to unfreeze each file with each credit agency, then pay another fee to refreeze each after Citi pulled the credit reports. Citi 's actions would cause me an undue burden and are unfair. 

What Citi should have done is provide 30 days notice to allow time for review, but since I am next to powerless in the face of a huge financial institution I received the courtesy of canceled with no written advance notification.
Product: Credit reporting or other personal consumer reports

Hello, I recently noticed there is an error on my consumer report. The employment is incorrect. Please remove XXXX XXXX as it is incorrect. Thank you for your time in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted
Product: Credit reporting or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

My housing counselor and I asked for a detailed breakdown of all the fees & charges to my mortgage with Wells Fargo. We did it on the phone, by handwritten letter & email several weeks ago, but Wells Fargo failed to deliver it. 

They also imposed an escrow acct and charged me for property taxes/HO insurance premium that were never over due. 

I applied for WA HAF in XX/XX/XXXX and was informed the HAF would be delivered by XX/XX/XXXX. But Wells Fargo failed to provide the correct amount due and put the HAF assistance at jeopardy. Each time they provided a high number thats different from the official statements and what we were told on the phone. Even their XXXX did not know how those number come up as they did not add up. 

Wells Fargo is the worst large agency I have dealt with. No wonder it was fined $ XXXX recently. I am deeply frustrated and need your help ASAP. Thank you! 

Truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 3 inquiries on my report that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I reached out to both the companies and the experian to have there items removed. Someone name XXXX from the fraud department at experian said that these items can't be removed and wont tell me the reason why. According to the fair credit reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit card or prepaid card

Hi This is XXXX XXXX. I am discussing about ongoing issue and complain to CFPB Complaint Number XXXX. I have not received any response or result of my previous complain from SYNCHRONY BANK, now they have discriminated me, I used to get PRE-QUALIFICATION from SYNCHRONY BANK and now they have stopped, e from other STORE sites. Every company has given me PRE-QUALIFICATION approved except SYNCHRONY BANK, nor they response me my current/existing complain. They removed me from PRE-QUALIFICATION. I am monitoring their discrimination carefully. Because I have complained about them, they do not like me, otherwise I have XXXX plus score on XXXX. They shouldn't have removed me from pre-qualification if there is any on-going complain. XXXX XXXX, XXXX, and others pre-qualification approvals including I got XXXX XXXX, and XXXX XXXX, including Balance of Transfers offers. XXXX did not like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit card

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX Credit Bureaus are reporting inaccurate information on SELFXXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. SELFXXXX XXXX