23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I called customer service for a Master Card issued by Comenity Bank because I was being charged {$2.00} for receiving a paper bill. At that time I asked to close my account because I did not feel it was RIGHT to be charged for them sending me a bill. I then received a statement in XXXX and called to ask why as I had closed the account. I was told the late fee would be waived and that I owed {$11.00} which I paid that day to finally close my account. Then I received a bill dated XX/XX/XXXX, that I received on XX/XX/XXXX, with late charges and fees of {$53.00}. I called customer service to ask for an explanation. I was put on hold and then disconnected twice. After another call to customer service where I asked to speak with the supervisor XXXX and the XXXX XXXX, I was told there was nothing they could do as my account was closed but that I still had an outstanding balance due to late fees and interest charges. The last charge to my account was for {$16.00} for XXXX in XXXX and of course the {$2.00} for the payment statement. i explained that I had called, had a late fee waived, and paid the amount of {$11.00} that I was informed I owed. I have no idea why there is yet another late fee when I paid the bill due XX/XX/XXXX on XX/XX/XXXX. No one that I spoke with could explain this to me or route my call to someone who could. I explained that I thought I had dealt with this the previous month and was told there must have been a miscommunication. I was told there was nothing I could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't Owe this creditor.
Product: Debt collection

I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. 
XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.
Product: Mortgage

My mortgage was sold from XXXX to Roundpoint inXX/XX/2023. 

Roundpoint did not pay my homeowners insurance when it was due in XXXX, and my coverage has lapsed, for almost a month now I have been without coverage. 

The money is sitting in my Escrow account, and they have not paid out anything from Escrow. I am worried they won't pay out my taxes that are due in XXXX either. 

I tried to contact Roundpoint multiple times via telephone and could never get a human on the phone. One time I was on hold to speak to a customer service representative, I waited for XXXX minutes, and they then disconnected the call. 

I have also tried reaching out via email and have received zero response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX  I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter.

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt.

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts.

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies.

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Funding is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX  is reporting XXXX is reporting XX/XX/XXXX. 
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 



XXXX is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} Midland is also reporting a past due balance of XXXX on my XXXX  report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation.
Product: Debt collection

I requested a temporary suspension of payments with XXXX XXXX on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. XXXX XXXX responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor XXXX  XXXX  was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, XXXX XXXX appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from XXXX XXXX.
Product: Student loan

I attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, GA, and moved to XXXX, GA within XXXX months of starting the XXXX XXXX XXXX. When the school moved from XXXX, GA to XXXX, GA they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, TX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 

It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, GA to figure out what was going on they had moved from XXXX to XXXX, GA, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the Dean of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the lost of accreditation. 

I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Product: Debt collection

Hello. I have repeatedly looked into a debt that a company is telling me I have. While I am currently working to resolve a debt I have with them ; another debt has popped up on my credit report for {$290.00}, and it is not my debt. I have only had one account with this company that I know of. I have tried to dispute through XXXX XXXX and have called the company as well. This has really affected my credit score.
Product: Credit reporting

I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done. 
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices.
Product: Credit reporting

Wells Fargo Home Mortgage Acct # XXXX was paid off XXXX XXXX and currently says on my report ( XXXX & XXXX ) 120+ Days past due in the " Status '' line. This account has been paid in full even when it was in pre-foreclosure and I have disputed 4 times with Wells Fargo and contacted the office of the President at Wells Fargo.Both credit burrows have agreed with me that Wells Fargo is n't reporting the right information to them. The contact at Wells Fargo is XXXX XXXX XXXX ext XXXX.Also XXXX XXXX sent me a letter that the first date of delinquency was XXXX XXXX compared to what is reporting on my credit report XXXX XXXX. This letter should have this account purged due to the 7 year law also on top of the issue of the above complaint that is driving my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND EQUIFAX, XXXX AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated
Product: Credit reporting or other personal consumer reports

This company thinks they can break laws while ruining lives for the fun of it while knowing I now have the leverage and the laws of the federal government on my side. But still will fight until the end for a collection agency that I havent heard from ever. The collection company knows tgey dont have anything with me agreeing responsibility of this. I have disputed these 2 collections for over two months 6 times and have asked each of those times for information that is my right to ask for. All 6 times Experian has denied me the rights and ignored each request like it was personal and validated this illegal collection. Furthermore this has been in my credit report about for months I have repeatedly reminded crooked Experian that the implemented in 2021 states no contact or attemp to contact cant report. With 5 disputed Experian said they dont have to follow rules and denied me of those rights. I also stated federal law that requested information must be submitted to consumer within 30 days Federal law. Still dont care and velidated.this entire time never heard a peep from collection agency. They know there is no contract because the collection doesnt belong to me never did. Now XXXX already wrote in the there report this fits FCRA and closed out one of them. Since Im only able to dispute one at a time other is following that was based off law of implemented law 2021 I believe XXXX also gave in. But Experian they must have something to gain they are the only one fighting to keep this going one. No matter whos rights they violate or what laws they are breaking. Lets hold them accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I went to my bank to try and get a loan to help my grandmother pay for her XXXX and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Experian, XXXX, and XXXX are all in direct violation. 

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA.

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.
Product: Credit card or prepaid card

I received my XXXX statement from Walmart charging me interest. My account was supposed to be no interest until XX/XX/XXXX. When I called I was told this was because my account switched from XXXX XXXX   to Capital One. I was not notified of any changes to my account. They said they took over as of XX/XX/XXXX so the purchase made after are subject to interest but I specifically called to verify if a new purchase was still subject to no interest until XX/XX/XXXX prior to using it and I was assured it was which is why I used this card. They are telling me I was misinformed. I never signed anything with Capital One and in fact never even activated the card they sent me. The card I used for the XXXX purchase which they say is now subject to interest charges was the one from XXXX XXXX. My XXXX statement had a message on the top which only said my Walmart card may transfer to Capital One. No where was it stated of any other changes to my account. A copy of that statement is attached as well as my last bill from XXXX showing my promotional end date is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... I have also been affected by the XXXX data breach and believe it has gotten into the wrong hands.