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

US DEPT ED XXXX Balance Owed : {$5500.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

US DEPT ED XXXX Balance Owed : {$4500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

US DEPT ED XXXX Balance Owed : {$4200.00} - Balance and payment history is Incorrect please remove immediately. 

US DEPT ED XXXX Balance Owed : {$9700.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$5400.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$10000.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
Product: Debt collection

My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C.,  a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX.  XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. 
What can I do? 

Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. MXXXX XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX ) during this time I lost my job and called credit acceptance to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and credit acceptance about this, however you can't talk to credit acceptance they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with credit acceptance... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....
Product: Credit card or prepaid card

I have charges on the account that are not mine. I spoke with credit card company WellsFargo, and told them I have never made them charges. My credit limit is only XXXX, and WellsFargo says I owe them XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of a natural disaster that took place XX/XX/2023. I notified this company to get on a hardship plan. To my knowledge the plan took place that day. Months later I pulled my credit and noticed they were reporting late payments to the credit bureaus. I immediately made a payment to bring this account current. I then requested for the late payments to be updated to XXXX. The company reimbursed me for late payments but did not remove the late payments from my credit profiles. I have disputed this several times. I have sent in proof of the natural disaster and have still had no luck. I am currently looking to buy a house and the late reporting is really affecting me and my family. I am asking for the XXXX accounts late payments to be updated immediately. This is defamation of character. 15 U.S.C 1681 states that there should be no damages on my report because its defamation of character. Thanks in advance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX  XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I DEMAND THE REDACTION OF THE FORECLOSURE OF MY HOME SCHEDULED FOR A NON JUDICIAL FORECLOSURE ON XX/XX/2016 THE DOCUMENTS TTHEY ARE TRYING TO USE ARE FRAUDULENT, THEY DO NOT HAVE THE CORRECT NOTE OR DEED THE DEMANDED FORECLOSURE AMOUNTS DIFFER FROM SPS AND XXXX -LENDER DOES NOT EXIST ON THE DOCUMENTS THEREFORE I DEMAND THE NAMES AND CONTACT INFORMATION ALONG WITH A DESCRIPTION OF THE SECURITY SOLD, THE ASSIGNMENT MADE, AGREEMENTS SIGNED, BETWEEN ALL OF THE MORTGAGE BROKERS,, MORTGAGE AGGREGATORS, INVESTMENT BANKERS, RETAIL OR OTHER SELLER OF SECURITIES AND THE INVESTORS WHO PURCHASED THE SECURITIES. 

This will be the third attempt by Select Portfolio Services and XXXX to illegally foreclose- The notice was recorded XX/XX/2016 and I was notified XX/XX/2016 sale date is XX/XX/2016 the following are just some of the actions taken by SPS towards me all of which were designed to take my home and NONE of which to help me stay in my home of 18 years - SPS was notified of my hardship soon after my husband passed away and they have preyed on my situation never intending to help. 

XXXX ABUSE VIOLATION OF TRUTH IN LENDING ACT Failing to grant me a HAMP loan modifications after the successful completion of trial period plans Repeatedly requesting the same documents and financial information " Losing '' documents Purposely imposing " obstacles '' in the evaluation process to delay or prevent me a permanent loan modification Misrepresenting the status of my loan modification application Failing to keep accurate records on my accounts, which include information on fees, payments, credits, debts, etc. 
Failing to evaluate my eligibility for permanent loan modification in a proper and timely manner Failing to provide account information as I requested Increasing my debt obligations Failing to apply payments properly Breaching my trial period plan contracts Unlawfully proceeding with foreclosure despite my compliance with the contractual obligations of their trial period plans
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific fraudulent accounts and inquiries on my credit report. I am a victim of identity theft related to a data breach, and these items were initiated without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The results of the requested investigation did not produce the documentation or provide an updated report ... ..therefore they ... XXXXXXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Money transfer, virtual currency, or money service

my binance.us ticket # XXXX.My binance.us account can not be deposited, can not withdraw cash to the bank, and can not withdraw cryptocurrency to my digital wallet. Because on XX/XX/XXXX, I transferred money from my XXXX XXXX  account to binance.us account, the amount was $ XXXXusd, and the transfer was successful immediately. But on XX/XX/XXXX, I received an email from binance.us and refunded my $ XXXXXXXXusd. The reason should be that my bank card was less than $ XXXXusd, and I was asked to deposit the money in binance.us as soon as possible. Account, but later I discovered that binance.us has disabled deposit usd, withdrawal of usd, and withdrawal of encrypted currency. I cant deposit {$1500.00}. I can only sell the encrypted currency in my account until {$1600.00} in my binance.us account. With {$1600.00}, they still don't unlock my account. Today I still can't deposit usd, can't withdraw usd to my bank, and can't withdraw encrypted currency to my digital wallet. The current binance.us account contains {$20000.00} worth of cryptocurrency, XXXX dXXXX and XXXX XXXX. This is the problem I am facing now. I couldnt find the customer service number of binance.us. I emailed them without replying. I left a message on XXXX. They would only say that they had helped me with feedback and would contact me soon, but I couldnt wait for their email. There was no reply at all. I searched the Internet for problems like mine, and found that many American citizens face the same problems as me, unable to withdraw cryptocurrency, unable to withdraw usd to the bank. I really dont know what kind of binance.us is. The company has such poor customer service, which is unique in the world. They don't care about the loss of customers, and don't care where the customers ' money is. Doesn't binance.us do things in accordance with the laws of the United States????? I am very, very worried now, I am afraid that all my money will be taken away by binance.us and swallowed by them. I was desperate these few days. I asked a lawyer for consultation. He said that binance.us has a lot of power in the United States and a large sphere of influence in the United States. This lawyer is not willing to help me, but this lawyer asked me to go to Consumer Financial The Protection Bureau asked for help and asked the Consumer Financial Protection Bureau to help me. I always believe that the United States is a powerful country and a country under the rule of law. The Consumer Financial Protection Bureau can help people like me. The existence of the Consumer Financial Protection Bureau can make those who are irregular, distorted, and dark The transactions are regulated and corrected. Thank you very much Consumer Financial Protection Bureau
Product: Student loan

I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature. 

I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans. 

I will ask once again for XXXX to provide this information to me
Product: Checking or savings account

Wells Fargo states an additional checking and savings account were opened under my name with my correct SS # but the phone and drivers license information was incorrect. It was caught early and the account has been closed. Wondering why they would open an account with mismatched information. I also wonder if this is similar to previous behavior of opening up false accounts.
Product: Debt collection

XXXX collection was charged to my credit report. Never received letter or notification in the mail.
Product: Credit reporting 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 contingency under15 USC 1681. 

Account name : XXXX Account # XXXX Has violated my rights.

15 U.S.C 1681 Section 602A 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 5 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 antedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.
Product: Payday loan, title loan, or personal loan

XXXX  XXXX offer to help me the problem was every time I call or the bank the manager was never available or on another phone call would not return my phone calls or talk to XXXX XXXXXXXX. Some one else answered the phone always some type of drama of trying to get help and they misled me to work with me and XXXX XXXXXXXX XXXX  did try reaching out to the manager it was a no show another person answer the call and mis guided or mis led information to XXXX XXXX XXXX and now the corporation has given me a call XX/XX/2022 telling me that I have to pay XXXX a month. Although the payments went from XXXX to XXXX and the interest rate is 139 %. I try all banks and try to trade it in no one is going to help me anyway the car does not run so I'm stuck and now I'm complaining because I gets phone calls and don't know what to do.
Product: Debt collection

On XX/XX/XXXX, I noticed 4 collections accounts on my credit report from XXXX XXXX XXXX ( NRA ). I have never been contacted by this company. I sent a certified letter to NRA the next day letting them know their claims are disputed and validation is demanded. Instead of sending validation of the accounts, NRA added 2 additional debt collection accounts to my credit report on XX/XX/XXXX. I still have not heard from NRA nor received validation of any of the accounts they have reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.