23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XX/XX/XXXX, PHH offered me a loan modification which I accepted. I submitted the required PHH documents inclusive of the PHH loan Modification application. On said PHH application, I clearly checked the box that I was divorced and also, attached a copy of my final divorce decree and Quick Claim Deed ( deeding my home into my name soley ). I also lined out on the PHH loan modification application the " co-accountholder ''. I fully disclosed to PHH that I was divorced and the loan modification would be in my name only as of XXXX. Due to PHH 's incompetence, I had to submit the same loan modification containing the same information and disclosures to PHH at least 7 - 12 times. Based on that same and consistent loan modification, I received several written approval for my loan modification from PHH. Said PHH approvals of my loan modification has several different ranging loan modification monthly payments from {$4700.00} to {$6200.00}. 
I have made 5 monthly payments of {$5.00}, XXXX ( 3 payments to satisfy the Trial Payment period and XXXX & XXXX payments ). NOW, as of XX/XX/XXXX more than 4 years of prior knowledge, approving me for a loan modification, and accepting 5 monthly payments, PHH has threaten me with a trustee sale and eviction. Offer, acceptance & consideration. PHH has a least breach of contract, deceptive business practices and has operated in bad faith.. PHH has violated both Federal & CA laws during this process with regard to both loan servicing and debt collection.
Product: Debt collection

The original Creditor, XXXX XXXX XXXX located in XXXX XXXX, XXXX which is owned by XXXX XXXX XXXX, sent me to collections on XX/XX/2014. The company they are using to collect the debt is Columbia Debt Recovery located in XXXX XXXX. The original amount owed to XXXX XXXX was {$1800.00}. Columbia Debt Recovery has been charging interest on the amount from the day it was handed over. I have reviewed the contract I signed when entering the lease for XXXX XXXX and did not find any language that would indicate Columbia Debt Recovery was legally able to charge me interest. I have reached out to Columbia Debt Recovery and asked them to verify where in the agreement it indicated they were able to charge interest and the representative agreed with me and said he did not see language either and I should not be charged interest. When I asked to have my report display the accurate information, I was told they would have to get approval before updating it and never heard anything further on it. 
Since I was getting no where with this company, I submitted a dispute through transunion citing an incorrect balance as the reason. Once the dispute was complete it was updated with a note that the balance would be corrected. Instead of actually correcting the balance, they added on to the balance, making it higher. 
I am getting nowhere with this company and what they are doing is against the FDCPA. I get an update that my balance has gone up monthly, It has a negative impact on my score and will continue to be detrimental every time they raise the balance with their bogus interest charges. The original balance was {$1800.00} my balance now with the fake interest charges is {$2900.00}.
Product: Money transfer, virtual currency, or money service

My money was unprotected when being sent from Zelle. The proper identification for sending money to the correct person was not an option on the platform to prevent my money from being sent to the wrong entity
Product: Credit card or prepaid card

I ordered what was supposed to be a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX zoom lens on XX/XX/19 with information on XXXX XXXX XXXX 's website. The lens got to me on XX/XX/19. I tested it for three days, and found that more than 90 percent of the photos were overexposed. I had the lens inspected by a local photography store and was told that the lens is used, broken, and has a counterfeit lens cap. I sent XXXX XXXX an email and a voice mail about these facts. I called them on XX/XX/19 and they told me they had already had a replacement lens ready to ship. Nothing happened. I called them within a week and they said there was a shipping label for a new lens. Next I received an email from them asking me to send the lens back at my own expense, and directing me to ship it uninsured with no requirement to have someone sign for it. 

I called XXXX XXXX on XX/XX/19 voicing my concerns about shipping the lens uninsured.XXXX XXXX told me not to worry. I started a dispute process with Citi Bank. my credit card company in this case. 

I also sent the lens to a XXXX repair facility, and they sent me a repair estimate for {$540.00}. 

Citi Bank ordered me to return the lens to XXXX XXXX. I did this. Citi Bank declared XXXX XXXX 's case was valid. 
Citi Bank also ordered me to then send them proof of delivery and proof of purchase. I did all this, and they have told me they are considering the case. Nothing has happened since then that I can tell, and I have called Citi Bank a few times since I returned the {$2000.00} lens and extended warranty back to XXXX. XXXX. 

XXXX XXXX called me on XX/XX/XXXX, and XX/XX/XXXX. They were rude and insisted the lens was new. On the XXXX they told me they had sent the lens to XXXX for repair, since it is new and covered under warranty by XXXX. 

XXXX contacted me and told me it would take {$700.00} to repair. XXXX also sent me in writing, a statement saying that since the lens was sold to me by XXXX XXXX XXXX, and that since they are not an authorized XXXX dealer, there is no warranty on the lens. I am waiting to get the lens back from XXXX so I can ship it back to XXXX XXXX XXXX. 

I blame XXXX XXXX XXXX for selling me a used lens that does not work. I blame Citi Bank for supporting them.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I don't wright good .for this info but I have all the paper work.
Product: Credit reporting or other personal consumer reports

I am sending this 14th complaint to you. I am asking that these items I listed in this current complaint and in the complaint dated XX/XX/XXXX, will be removed within 15 days that when I update my credit reports these items will be REMOVED : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.
Product: Debt collection

I had an unpaid balance. They keep calling me and my family members threatening to they are going to sue me, the police is going to my house and they they're going to call my employer speak with my supervisor and garnish my wages.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute an unauthorized account that has been opened in my name. 

Account Details : Account Number:XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account NumberXXXX Date opened : XX/XX/XXXX I want to clarify that I did not authorize the opening of this account, nor did I provide any personal information or consent for its establishment. 

I kindly request that you investigate this matter and take the necessary steps to close the account immediately. Additionally, please provide me with any relevant documentation associated with this account, including application details and any identification used to open it. 

I am concerned about the potential impact this may have on my credit history and personal finances, and I would appreciate your prompt attention to this matter. I have attached copies of my identification and any supporting documents for your review. 

Please confirm receipt of this letter and keep me updated on the status of my dispute. I appreciate your cooperation in resolving this issue swiftly. 

Please remove them from my credit report as soon as possible. 

Thank you for your attention to this matter.
Product: Debt collection

COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my right to privacy. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. These two addresses does not belong to me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The address above WRONG ADDRESS. Experian said it was attached to an account ( XXXX XXXX XXXX with account number XXXX and verified. I was told on the phone but it was a LIE. I have attached my bill with that account number showing different address. I request for validation and verification 2 times but I did not receive any single reply. Please see an attached document justifying my claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. 

This above address continue to appear on my credit report with Experian. Never did I live in this address and I made it known to Experian but this outdated address still reporting on my credit profile.
Product: Payday loan, title loan, or personal loan

Tesla has been charging my solar energy equipment lease account a {$7.00} monthly non-ACH auto pay fee since XX/XX/XXXX to XX/XX/XXXX even when I have a {$900.00} credit balance sitting on my account. I paid a total of {$52.00} in non-ACH fee in total without any payment services performed by Tesla. I earned no interest on the {$900.00} credit balance and the balance was more than sufficient to cover monthly payment of {$52.00}. I have no idea where this non-ACH fee came from and try to contact Tesla for assistance. Customer service rep responded via email stating I need to setup auto pay to remove the {$7.00} non ach fee each month. I don't understand this requirement as the credit balance on my account was more than sufficient to cover monthly payments for about 18 months. Tesla does not have to process ACH payment ( or non-ACH ) each month due to the large credit balance on account.

Tesla is padding erroneous fee on solar equipment lease agreement to take advantage of consumers not reading their monthly billing statements which is only available online not via paper statements.
Product: Credit card

Capital One closed my credit back back in XX/XX/year> and never gave me an explanation. I never received a bill or anything in the mail. I filed XXXX disputes on XX/XX/year> and did not receive anything about the disputes. 

I logged into my account XXXX weeks ago and see there are XXXX late fees and the XXXX disputes were NEVER investigated. This is unacceptable. I want those fees removed and the XXXX disputes investigated. 

I tried to call 4 times today XX/XX/year> and was told they could not access my account ending in XXXX. I chatted with XXXX people that told me they could not access my account even though I was logged into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018. I opened American Express credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.
Product: Debt collection

XXXX has sent a debt that is not mine to sunrise credit service and they have put a negative remark on my credit report. I do not owe this and this is fraudulent. XXXX has had multiple data breaches and this is not the first time I have complained about XXXX sending fraudulent claims XXXX to collection agents. I do not have any accounts with XXXX. I do not owe XXXX any money. Sunrise credit service nor XXXX have been willing to talk about this nor have I been given an info about how this fraudulent account was set up.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment and verified I had funds to cover payment. XX/XX/XXXX in the morning it was returned and I contacted Capital One to see what had happened. I was told my account was blocked to speak to fraud. I validated some transaction and made the same payment again which went through. He stated that I can use the card after XX/XX/2023. Mentioned the return payment could have been due to the block on the account. The next day I received an email that the payment had declined again which it did not. Right after the email I contacted Capital One to find out they had closed my account.
Product: Credit card

My XXXX XXXX XXXX XXXXwas to pay off all me credit cards, which I did. On XXXX XXXX, 2024, I pad XXXX crdeit cards off in their entirety, including Bank of America XXXX XXXX XXXX Card ). All XXXX credit card companies debited my personal chacking account either on the same day or the next day, and XXXX of the XXXX companies applied my payment to my accounts within XXXX hours, EXCEPT Bank of America! I paid BOA {$2100.00} dollars on XXXX XXXX, 2024, and here I am on XX/XX/2024, and BOA has still not credited my credit account! I called them and I did excalate the complaint up the chain three times, with no success. I was informed at the last level that they " have up to XXXX business days to credit the account with the payment ''. Then they stated " that we have not offically received your payment yet. It is inprocess ''. I respnded by stating that my {$2100.00} is gone from my personal checking, so BOA has my payment somewhere. BOA respsned with " well, your payment was substantially different ( larger ) from your regular, smaller payments, so this rasied a red flag. '' I stated that I paid the entire balance off and this raised a red flag? That's absolutely ridiculous. Furthermore, it is my belief that BOA is holding my payment until the next billing cycle ends and the next payment is due so they can collect interest on the old balance! I attemtped to delete my personal bank account on the website as well as stop auto-pay, and I was unable to either tasks! This is really inapproapite or illegal. I do have employee ID numbers.
Product: Payday loan, title loan, or personal loan

i BORROWED {$5000.00} TO PAY BACK SOCIAL SECURITY AS THEY PAID ME TOO MUCH AND WERE GOING TO WITHHOLD BENEFITS. I AM XXXX AND A NON-COMBAT VETERAN. I WENT THERE AS THEY GAVE ME FUNDS IN 24 HOURS WHEREAS MY BANK WANTED 14 DAYS. I GOT THE MONEY PAID OFF MY SOCIAL SECURITY BALANCE AND PAID OFF A CREDIT CARD. I THEN WENT BACK TO MY BANK TO REFINANCE AT 9 % IN LIEU OF 27.58 %. aT MY CLOSING ONE MAIN FINANCIAL CHARGED ME {$270.00} IN A PRE-PAYMENT PENALTY.
Product: Student loan

Nelnet and XXXX XXXX took {$1200.00} out of my XXXX check in XX/XX/XXXX after I have been totally and permanently  XXXX since XX/XX/XXXX- XX/XX/XXXX and had my loans dischared by physician forms, etc. I have been faxing with my caseworkers for 6months to try to resolve this. I live in a XXXX XXXX and this is very hard on me physical and mental. On form XXXX XXXX XXXX it says all loans were discharged. Ss has supplied lots of forms including XXXX that I have never been assigned a review, but either they ignore me and send en ryted emails i cant open.
Product: Mortgage

Loan XXXX XXXXXXXX This company has been notified COUNTLESS times that they are in error and are willfully committing XXXX XXXX and XXXX XXXX. They are now overdue on a bill that was sent to them for {$6900.00}. This is due to an overpayment that was sent on XX/XX/2020 in the amount of {$1400.00} and includes other XXXX fees & penalties. We need LEGAL ASSISTANCE to collect on this debt and are demanding full recovery.
Product: Credit reporting or other personal consumer reports

These items on my Experian are paid and should be removed from report and actively showing as an account. ( XXXX XXXX, XXXX XXXX XXXX XXXX ) Under the Fair Credit Reporting Act ( FCRA ), items that have been paid off or are no longer accurate should be removed from your credit report to ensure its accuracy. The specific sections of the FCRA that support this are : Section 609 ( a ) ( 1 ) : Grants you the right to request verification of any item on your credit report. If the creditor can not verify the debt, it must be removed.

Section 611 ( a ) : Requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information after conducting a reasonable investigation.

Section 623 ( a ) ( 1 ) ( A ) : States that data furnishers ( like creditors ) must not provide information they know, or have reasonable cause to believe, is inaccurate. 

If the debt is paid and reported incorrectly ( e.g., still showing as unpaid ), you can dispute the item for removal or correction using these provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have contacted Equif ax &   XXXX  to notify them that I am no longer liable for  XXXX   XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore, Equifax  &    XXXX   continues to allow   XXXX    XXXX  to report information that is not 100 % accurate.   XXXX    XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from Equif ax &    XXXX   stating that they will not re-investigate this erroneous reporting.
Product: Credit card

XX/XX/XXXX as I 've done every month for years I submitted a request through the Citi credit card website to pay my bill in full the day before the due date which in this case was XXXX XXXX. On XXXX XXXX I noticed that no payment was deducted from my checking account and upon calling found that they had no record of me submitting the request. I immediately paid the bill on the phone in full. Even though their IT Department can go into their system and confirm or deny any click I made the day I did the payment, they refuse my request to prove that it was my error and not the error of their anything but infallible system. The time this transaction occurred can be exactly identified. I asked to speak to a Supervisor and this has not occurred either, beyond one person who did n't identify himself or leave a call back number leaving me a message. I content that this problem was caused by one of the many constant irregularities of the Citi website and the interest should be waived as it was their fault not mine.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Negative Items on My Consumer Report Dear Experian, I am writing to dispute the following negative items that appear on my consumer report. I am requesting that you validate these items and provide me with the method and source from which this information was obtained. 

The specific items I am disputing are : XXXX XXXX  XXXX XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXXXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and provide me with the verification of the accuracy of these items. Please provide me with the following information for each disputed item : Date of the negative item. 
Name of the creditor or lender. 
The original source of the information. 
Full details of the negative item, including the amount in question. 
Proof that the negative item is accurate and verifiable. 
If you are unable to validate the accuracy of the negative items, I request that these items be removed from my consumer report immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary validation for the disputed items. 

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

I am writing to request the blocking and deletion of fraudulent accounts and unauthorized inquiries listed on my credit report. I am a victim of identity theft, and these accounts were established without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request that these items be permanently removed. 
XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$11000.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$9900.00} XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$4900.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX