23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unfair practice, improper handling of my mortgage loan assistance, accounting error on total income my husband and I reported on application caught their error after approving a trial modification they denied. XXXX XXXX transferred our loan to Selene on XXXX of XXXX my documents had not been received by Selene on XXXX of XXXX. Selene collections of Forbearance plan approved by XXXX XXXX sending default letters Selene didnt know I had a forbearance approval. After this the night mare started and I have complained to your Bureau. Please see attached letter to Selene Finance dated XX/XX/XXXX. This situation is making us sick. Thank you for your help!!
Product: Debt collection

NATIONWIDE CREDIT & CO reported a collection on date XX/XX/XXXX and the last reported was on XX/XX/XXXX for the amount of XXXX XXXX that i never owed to that company and is charging me for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.
Product: Credit card or prepaid card

XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. 
I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. 

I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint
Product: Debt collection

On or about XX/XX/18 I was looking over my credit report and I noticed a collection from Collection Bureau of America ( CBA ), whom I have never had an account with. I sent CBA a debt validation letter on XX/XX/2018 and was signed for on XX/XX/18. CBA responded with copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was still reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to CBA that was received on XX/XX/18, informing them of the violation and asking them to remove the inaccurate information from my credit file. CBA responded with another demand for payment and that they would not send verification of the debt, but I never requested verification but validation for a debt that is not mines. As, of XX/XX/18 the debt has not been removed nor has it been marked disputed. I am requesting to have this inaccuracy removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have gone to the counter at the store and the clerk did not apply credit card payment and it was not applied to my balance ... I was then charged double interest on XX/XX/XXXX ... My credit rating was also harmed by the transaction ... My ongoing balance with Sams club credit card is off by about {$5000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX  I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Debt collection

I sent this company a 609 letter stating that this debt is not mine and that I would like to see a debt validation letter in XXXX when this first appeared on the credit report. I have not received any information about the validation.This is not my debt and I would like it to be removed off of my credit report, due to the fact that is is NOT MY DEBT and also it hurts my credit rating to be able to leverage my credit to get a new home. Please remove this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned there may be an account on my credit report that was not authorized by me to be obtained. The company XXXX XXXX XXXX XXXX XXXX XXXX shows an account on my credit report.. I am requesting the signed disclousure statement/contract that shows my signature as a result of this debt that could be upheld in the court of law that this debt is validated by me. If such document can not be provided, this accould should be deleted from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account issued by Self Financial Inc. was opened on my behalf without authorization by a person offering credit repair services. Self Financial Inc agreed that the account is unauthorized and promised to remove it from all three bureaus. It was removed from XXXX and XXXX, but Self is refusing to remove it from XXXX despite written confirmation that they would remove it. The account must be removed from my XXXX credit report immediately!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding the unauthorized renewal of my XXXX XXXX policy. As a long-standing policyholder, I am disappointed by the recent decision to renew my policy without my consent. The reason provided for this renewal does not align with the terms outlined in my policy. 

Key details about my complaint : Policy Details : Policyholder Name : XXXX XXXX Policy Number : XXXX Effective Date of Renewal : XX/XX/2023 Issue : Unauthorized Renewal : XXXX XXXX renewed my policy without my knowledge or consent. 
I did not receive any communication regarding this renewal. 
The renewal decision contradicts the terms of my policy. 
Request : I request an investigation into this matter. 
I seek clarification on the basis for the unauthorized renewal. 
I expect a resolution that aligns with the terms of my policy. 
Supporting Documents : Enclosed, please find copies of relevant documents, including my current policy, State of New Jersey Temporary Evidence of Insurance and a copy of my NJ Driver License. 
I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

i, my name is XXXX XXXX, i have a saving account with td bank at first when i realise that my card was not working i went to talk to the manager if they can provide me with a new card to access my funds, they say they couldnt help me that i have to come back an another time and as well the system is down so they basically cant access my account. 
so when i went back in two weeks of time the lady that was helping me was very rude, telling me all kind of excuses but at this point i have to remind her that my phone bill is due as well as my rent and i have to taking care of that issues as soon as possible. so after a couple a minutes of looking at my account and passing some phone calls she reach out to me and let me know that td bank do not have my account and i have to go and check with the office of the new york state comptroller ( for unclaimed funds ). 
at that point i told her that i dont know what is the unclaimed fund and i dont have no business with them and if the bank can help me claim my account. she says that i an on my own and the bank cant help. After i visit the website she gives to me and call the state comptroller, i realise that i was being scam and the bank never foward my account the the state comptroller to be claim by me. i am i need, i need my refund so someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to delete some of the fraudulent accounts and information from my credit report, but further investigation of my credit report revealed other issues. I observed that many of the fraudulent products are still present. You must delete the fake accounts and information you report on my credit file in accordance with Fair Credit Reporting Act section 605b. Please remove the remaining items from my credit file as quickly as feasible in accordance with Fair Credit Reporting Act section XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In order to have the fraudulent accounts and information removed from my credit file as quickly as possible, I am submitting this CFPB complaint. Even though I respect the deletion and action you took, my credit file should also have had the remaining items removed.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC, XXXX XXXX Over the pass XXXX months I have submitted several disputes via certified mail and to the CFPB as well as the XXXX XXXX XXXX  and the XXXX XXXX XXXX regarding items on my credit report that were inaccurate, false or not mine. 

After a thorough investigation XXXX removed/ deleted all the items disputed over this period. ( see the attached ) however, XXXX XXXX and TRANSUNION LLC willfully continues to verify, change information and date on the inaccurate accounts rather than removing them from my credit report. The have changed several times the following : 1. The name of the company 2.The initial date of last payment and reage the account 3. The amount of last payment 4. The date the last payments were made 5. The balance on the account 6. The open date of the account 7. The closing date of the account They continue tomake several changes to an account then report that the account was verified. 
How can you verify an inaccurate account that you constantly changing the data and name of the company????????? If its inaccurate and incomplete the law said it should be deleted not corrected several times. 
How can three credit reporting agencies report different information on the same account then say their reporting is 100 % accurate and complete? 
If its accurate why keep changing the data, the company name, the payment dates etc.?????? 

XXXX XXXX remove all of the following disputed inaccurate items ( see the attached ) XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX have ask you to take a close look at all my disputes over the pass 24 months and you will see the many corrections and changes XXXX and TRANSUNION have made to each of these inaccurate accounts in order to willfully and negligenlly keep them on my credit file even after I have proven to them that the accounts are inaccurate and fraudulent. the just keep changing information then send me notices that they verified and updated the account. 

How do you verify and update something that is inaccurate??????
Product: Debt collection

Recently I have been called in reference to a h s n account as well as haband account.

Immediately after coming from the doctor I called each comments XXXX  XXXX  and notified that I m  XXXX and have XXXX XXXX. No longer will I be able to afford these accounts. My account was XXXX. I still was asked to make payments. In other words, I was XXXX  and receiving social security XXXX. I explained I m due a refund and instead my account balances were sold as well as charged off. The name of the company that keeps calling me is dynamic recovery solutions. Trying to blood from a stone. Even with XXXX  XXXX  XXXX  I still have to repeat how unfair it is to keep harassing me for more money when I didnt even have it. Try going to XXXX XXXX XXXX for an XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and god knows what else by now, because even in Covid vitamin XXXX has been added to the list, most are not covered even co-pays are due or no medicine, I dont rhink XXXX XXXX XXXX understands that the reference numbers XXXX and XXXX are just a way to annoy me and agitate my condition. I gues acting as an Agent for dynamic recovery solutions LLc located at XXXX XXXX  , XXXX, XXXX, SC XXXX doesnt understand. 
Ive been given a cust service number is XXXX as well as XXXX or XXXX. I cant breathe but yet they keeps calling me. But when I receive the bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX its some kind of a misunderstand-ing. I even used my breathe in between using the XXXX and XXXX I dont have it! O -m-g. It just doesnt stop. They take turns. I gave them the social XXXX and even was honest I m sick.