23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections Deemed Fraudulent - AD ASTRA RECOVERY SERVICE Only Reporting on XXXX, XXXX have asked on several occasions to Delete the fraudulent account from my current credit report since it is severly impacting my credit score.
Product: Debt collection

I am writing to address the urgent matter of fraudulent accounts on my credit report. Upon reviewing my report, I discovered unauthorized accounts under my name, opened without my consent or knowledge. This breach of my financial security demands immediate action XXXX XXXXXXXX.
Product: Debt collection

XXXX Is in my blocked call list, but somehow it transfers to voicemail. They call everyday with a recorded message, They are threatening legal action unless I respond, TODAY! They have been calling everyday for over 2 weeks. They say to call the above number and give the case number, but they don't supply the case number. I call but only get a voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my response to my complaint to TransUnion dated XX/XX/22 through the CFPB portal. TransUnion responded took longer than the 39 days 9 days over the 30 days thats required by the FCRA. My first complaint to TransUnion was XX/XX/22 I made it known that the Acc. From the XXXX XXXX XXXX Acc. # XXXX belonged to someone with the name similar to my own and it did not belong to me and I was not aware of this account until I received my credit profile. Due to this derogatory mark on my credit profile I'm being denied credit lines and better interest rates for my personal credit and business credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a debt to a company that I do not owe money to. I have queried the debt with experian and they have not removed the debt nor have they shown me any evidence that I ever owed this company any money. They were supposed to investigate the matter with the debt collection company but I've seen no evidence that any such investigation was completed nor have I seen the results of the investigation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : XXXX  Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is a medical bill I do not owe, and this company did not send any validation information that was requested. They got medical information on my credit report and this is Illegal from CFPB ruling on XX/XX/2025. And they have it as past due balance also, that is inaccurate information also. I am requesting it be removed Immediately.
Product: Payday loan, title loan, or personal loan

I requested a payoff on the loan on XX/XX/XXXX and received a payoff from XXXX good through XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff quoted on XX/XX/XXXX was {$2400.00} good til XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff was received by XXXX on XX/XX/XXXX in the amount of {$2400.00}. The account was actually over paid by {$1.00}. 

payoff good til XX/XX/XXXX and 6 days of interest since payoff received XX/XX/XXXX... the payoff would have been {$2400.00}. 

They collected {$18.00} in interest when payoff was received and as of XX/XX/XXXX still showed my balance due of {$570.00}? 

The total amount due shows as {$1100.00}, online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Experian in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with Experian to add the extra layers of protection to prevent fraudulent activity on my consumer report. Experian has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. Experian has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can Experian have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue Experian first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. I am requesting EXperian remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of Experian for fraud and crimes they comitting and the violation of the FCRA. Please delete : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account # XXXX. Please delete : 1XXXX XXXX XXXX XXXX- Inquiry dateXXXX 2. XXXX XXXX XXXX XXXX Inquiry DateXXXX 3. XXXX XXXXInquiry Date:XXXX 4.XXXX XXXX XXXX- Inquiry dateXXXX These are unauthorized please remove immediately and comply with FCRA which is also the rules Experian suppose to abide by XXXX
Product: Mortgage

I tried to make an additional principal payment online with my mortgage company. They charge {$7.00} fee for online payments because I am not enrolled in paperless statements. They took over my mortgage from the previous company ; I was never enrolled in paperless statements. I must have monthly paper statements. I am enrolled in autopay, just as I was with the last and original mortgage company. There are no additional charges for being enrolled in autopay. The fee charged for online payments is unnecessary as it is inconsistent and an unethical business practice to charge monies for legally paying down a fixed mortgage early whether online or by papery check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX and XXXX XXXX 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 an account without my written instructions.

I was looking at my credit report and those accounts looks weird to me.

The name on is account is not belong to me, the last date of activity, the last date of payment, the account number, the balance everything on this credit item on my credit report looks to be incorrect and creditor reported multiple account numbers under my SSN, I don't recognize, this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX  XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX  {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is knowingly violating multiple federal consumer protection laws by refusing to remove a fraudulent account despite documented identity theft. 

Violations Committed : FCRA 1681c ( a ) Illegally re-aging the debt beyond its reporting limit FCRA 1681i ( a ) ( 7 ) Refusal to provide MOV ( Method of Verification ) FDCPA 1692g Failure to provide legally valid POV ( Proof of Validation ) XXXX XXXX Compliance Violation Reporting unverifiable information Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) Georgia Identity Theft Law ( O.C.G.A. 16-9-121 ) Refusal to remove fraudulent information despite police reports Requested Action : Delete the fraudulent account immediately. 

XXXX XXXX XXXX XXXX XXXX for willful non-compliance. 

Impose fines for FCRA, FDCPA, and Dodd-Frank violations .
Product: Credit reporting or other personal consumer reports

To whom it may concern..

I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for.

Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate.

I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay.
Product: Credit card or prepaid card

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

My identity with my social security number and identification number on my state ID was stolen and bank accounts was opened in my name. Loans were taken out and credit cards as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX Funding for an alleged debt originally from XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Opened '' is XX/XX/XXXX, which does not reflect the actual Date of First Delinquency ( DOFD ). 
Debt collectors can not manipulate reporting dates to make a collection look newer than it is. 
Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is reported as both a Charge-Off and a Collection, which is false and misleading. 
A charged-off account can not be re-reported as a new collection. 
Inconsistent & Misleading " Last Reported '' Dates ( FCRA 611 Violation ) The " Last Reported '' date ( XX/XX/XXXX ) has been updated to make the account look new. 
This illegal practice extends the life of negative reporting. 
Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract. 
An itemized breakdown of the debt. 
Proof that XXXX XXXX has the legal right to collect this debt. 
If this can not be provided, this account must be deleted immediately.
Product: Checking or savings account

I bank at XXXX XXXX XXXX/Hancock Bank in XXXX, Louisiana. I recently had 10 unauthorized charges on my checking account # XXXX. I disputed this with the bank and after they reviewed the charges they sent me a letter saying that nothing was wrong. I DID NOT make these charges and I DID NOT authorize these charges. There were 10 separate charges for a total of {$610.00}. If you need documentation of these charges I have the documentation. I would like for these charges to be refunded back to my checking account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX  XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} 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 permission
Product: Student loan

This is supposed to qualify for loan forgiveness as I've received information about this and is to be completely forgiven.
Product: Mortgage

Complaint is against XXXX XXXX XXXX, for XXXX XXXX. The company had the wrong tax parcel # for our property & an escrow analysis was completed raising our escrow payment from {$190.00} to {$440.00}. Additionally they withdrew {$700.00} from our escrow acct. & sent it to the address of the wrong tax parcel. 
1 : {$700.00} was mailed for the incorrect address city property tax on XX/XX/XXXX XXXX : the check was never cashed and the city was asked to promptly send it back to SLS/XXXX 3 : the {$700.00} was never deposited back into our escrow. SLS/XXXX has not stopped payment 4 : the escrow analysis stayed in error for another 2 months 5 : because of this the total mortgage payment inflated to almost double 6 : we called and talked to a man named XXXX on XX/XX/19 teller ID XXXX XXXX : he told us to pay {$750.00} on the amount as that would assuredly cover the new escrow analysis that we were promised to be completed numerous times 8 : we pay {$750.00} 9 : the payment was suspended unbeknownst to us and on XX/XX/19 XXXX received a collection call at work for the remaining balance ( KEEP IN MIND THE PAST DUE AMOUNT IS STILL BASED ON AN INCORRECT ESCROW ANALYSIS AND WAY OVER INFLATED IN PART DUE YO THE FACT THAT SLS/XXXX NEVER REDEPOSITED THE {$700.00} ) 10 : I informed the agent that no, we do not owe that as the escrow account is incorrect. She agreed immediately after looking briefly at the notes and we hung up with each other. 
11 : XXXX called on XX/XX/19 and talked to the tax department to find out if they had paid our property taxes and they had not. She asked that person about the collections call and letters we received stating we were late. They sent her to customer service and she talked to a XXXX She admitted it was wrong but we still had to pay it before the XXXX or we would be turned over to a collections agency. 
12 : we paid {$440.00} online for the rest of the incorrect balance on XX/XX/19 to avoid damage to our credit 13 : in this payment a late fee of {$24.00} was included ( wasnt exactly apparent when it was paid ). That should be refunded into the payoff. 
14 : after several calls stating they were going to actually pay the tax bill XXXX gave up and paid it herself to the total of {$390.00}. That includes {$69.00} of interest and penalty fees that should also be deducted from the payoff as the lateness was XXXXs fault. 
15 : we need a clean payoff showing the escrow payment and refund of fees, interest, penalty and late fee which we calculated at a total of {$92000.00}. SLS/XXXX  insists that a future tax bill payment of {$670.00} is already scheduled & must be collected in the payoff! They never paid our city tax & we want to pay our own School tax which isnt actually due until XX/XX/XXXX. They wont even have the loan at that time We have a loan ready to close at a local bank & are simply asking SLS/XXXX to provide a correct payoff so we can end this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home X/XX/2017 and from the sale paid off my mortgage with Nationstar. My credit report is still showing the account is open with a balance of {$140000.00}. I received confirmation from Nationstar that my loan is paid in full. All of my other loans paid from the proceeds of the home sale reflect paid on my credit report ( i.e. car loan with XXXX XXXX XXXX, etc. ), with the exception of Nationstar. Please update my credit report immediately as this is false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the following item on my credit report, which I obtained on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX {$1800.00}. I do not recognize this account and I have no previous knowledge of it. Supply information to validate. If you can not validate then it needs to be deleted immediately. This collection is in violation of USC 1681b. Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX XXXX submited by mistake an inquiry for a credit to Capital One Auto Finance on our behalf ( Me and my wife ) I contacted Capital One Auto Finance to dispute the inquiry that is already in my credit report. 

Capital One Auto Finance sent me the first generic letter on XXXX XXXX XXXX saying that they will not take any actions to remove the inquiry unless I provided more information, including a letter from the dealership explaining that the inquiry was due to an error. 

I provided all the required information to Capital One Auto Finance including a letter from the Finance Manager at XXXX XXXX and they received them on XXXX XXXX XXXX. ( USPS XXXX ) On XXXX XXXX XXXX Capital One Auto Finance sent me another generic letter requesting the same exact information that I submitted on XXXX XXXX XXXX 
I have try to contact them to ask them why they requested the same information that I just sent, I call them to the number listed on the letter but the operators keep transferring me from department to department without resolution. 

Capital One Auto Finance did not provide a clear answer on why they have not fix the error nor provide any update in the investigation.
Product: Debt collection

SOUTHWEST CREDIT SYS is attempting to collect a debt I do not owe and I refuse to pay this debt because I have no contractual obligation under federal law to pay it. Selling this information to XXXX is a violation of my consumer rights under the Fair Debt Collection Practice Act which debts have to validated as accurate before being able to collect and furnish the information. Doing this before I had a right to dispute it is unfair and also a direct violation of my rights.