23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a credit payment agreement for {$1400.00} with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I did not receive a bill from them in XXXX or XXXX. I called them in late XXXX and told them this. Apparently they had the wrong address. I corrected it and offered to send them a payment but I was told not to by the creditor on the phone. He told me that they had to give me a new account number and if I sent them a payment it would not be credited to the right account.He mentioned that my credit could be in jeopardy. 
I received a letter verifying this that was dated XX/XX/XXXX But received no bill. I received my First bill with late fees And a letter on XX/XX/XXXX stating that they can help me with my payments if I am having problems. 
I called XXXX XXXX XXXX on XX/XX/XXXX and paid the {$1400.00} in full. The woman on the phone was belligerent. I received a letter dated XX/XX/XXXX verifying that I paid in full. My credit score has since been tarnished from this. 
I got a letter from XXXX XXXX that listed THE WRONG ADDRESS THAT XXXX XXXX   WAS USING TO BILL ME IN XXXX AND XXXX. 
MY ADDRESS HAS BEEN THE SAME FOR THE PAST 18 YEARS I am forwarding 4 letters that I received from XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In XX/XX/2020 I was offfered forbearance plan by my lender loan care, I was informed over the phone snd by mail, email that I would not be charged fees or reported as late to credit bureaus. 
I continued to make payments and partial payments I submitted these bank records to Experian and disputed the 7 -9 months late reporting as I never would have agreed to this if I had known they where dishonest in promising not to label me late if I entered into a forbearance plan now my credit score is ridiculous low because of this snd I cant qualify for a refi It is to there benefit that I am unable to obtain a lower interest rate than the 4.25 % I am locked in with them I feel deceived and frustrated and Experian is ignoring my bank statements showing I made payments into XXXX How can I legally take action? 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct 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.
Product: Credit card or prepaid card

my wife and I went online to reserve a hotel room online my credit card was charged {$270.00} XX/XX/2019 XXXX Florida
Product: Mortgage

I purchased land in XXXX in 2019, and the mortgage servicing company was Equitable Mortgage Cooperation. Since then, we have always had to make phone calls for the payments to be processed. We spend over 15 - 30 minutes on the phone waiting for the phone to be answered. We waste a lot of time over the phone and it is very time-consuming and stressful. I have requested through phone calls to have the company build a website whereby we can track our mortgage payments or even pay more towards interest. We always have to call to get any kind of assistance. This has a lot too much frustration and stress among us customers. I a not able to refinance since it was a land sale. We need your assistance as we are ready to sue this company. I have written so many emails and have never got any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Product: Checking or savings account

I received a cashiers check by way of USPS mail. XXXX XXXX, XXXX  I called the issuing bank XXXX XXXX XXXX XXXX XXXX XXXX  their telephone number is XXXX XXXX XXXX XXXX. I spoke with a young lady and gave her the check # and account # she informed me that it was good. Later that day I decided to upload the check on bank mobile, it informed me the funds would be available within the next two days. The next morning I went onto my online banking and it said I believe 19 days so I called Bank of America customer service number is XXXX XXXX XXXX XXXX XXXX. Spoke with a rep. and asked why so much longer. He said I believe sometimes they can just take that long but it would probably be sooner. Checked my account and didnt see the funds called. Tuesday XXXX XXXX I tried logging onto my account and discovered I couldnt log in and by the time I found out BOA was closed. I called on Wednesday XXXX, XXXX  was told my account was closed, I asked for the manager and spoke with XXXX, he informed me my account was no longer active. I asked if he could contact higher up because I needed my account and I didnt write a hot check, but did in-fact did endorse it because I was offered a job. I also let him know I called the XXXX XXXX XXXX and gave him the information. I immediately called XXXX XXXX XXXX XXXX. I ask to speck to manage and he informed me his name was XXXX. I explained what was happening and what had happened regarding the Cashiers check being authenticated by a rep there. And that by her authenticating the Cashier Check, that I or anyone else could get in big trouble.and I wanted something done about it. He needed her name and I told him I would call him back with that. I searched for it on Friday, XX/XX/year> I contacted BOA and they informed the higher ups said no because their trying to protect their customers and BOA. On this day of the XXXX I spoke with XXXX, XXXX in the Risk department and they informed me it was in the fraud department, was transferred to XXXX, she said it would possibly be closed and she transferred me back to the Risk department where I. Spoke to XXXX to see if XXXX, had called XXXX she said yes and rushed off the phone.
Product: Mortgage

I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.
Product: Student loan

Date : XX/XX/2023 Amounts at issue : Approx {$1500.00} My daughter has 3 college loans financed through Citizen 's Bank. 
Serviced by XXXX I have been paying off the loans for XXXX years. 
I issue checks to XXXX with the loan # s on the checks. 
XXXX credits the entire check to XXXX loans -- beyond payments due -- and not to the XXXX loan which says there are overdue payments. 
Loans # s are : XXXX XXXX XXXX. All under : Account # : XXXX. 
Payments are credited to " XXXX '' and " XXXX '' but not to " XXXX '', which says payments due ( but unpaid ) on XXXX. XXXX. The other 2 loans say next payment is due in XXXX, rather than XXXX, because the money sent is not allocated to the 3rd loan. 
I can not tell whether I'm being charged extra interest or penalties ( or anything for that matter ) by reason of the misallocation but I assume I'm not being properly charged. 
Citizens and XXXX call every 2 or 3 weeks to ask for payment ( obviously, on loan # 3 ). I explain that they have payment, but that they are being misapplied. 
My name is not on the loans. So, they won't speak to me. However, despite their silence policy, they are happy to take my money ( for years ) and to mis-apply it. 
They have spoken to my spouse, and my daughter ( for whom the loans are issued ), and they have also explained the problem. 
I told Citizen 's Bank ( when they called me about 3 days ago ) that I would file a complaint, formally, and that I had discussed the problem multiple times -- and sent e-mails. 
I see that Citizen 's Bank was recently fined {$9.00} XXXX by the XXXX. For failing to properly process credit card disputes. My problem doesn't involve credit cards, but it involves disputes regarding student loans. 
My name is XXXX XXXX. Email is XXXX. Tel XXXX. I live in CT. Call / email anytime.
Product: Credit reporting or other personal consumer reports

XXXX XXXX $ Permissible purpose of consumer XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 



XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance. XXXX XXXX. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. XXXX  liability for negligent noncompliance. XXXX XXXX XXXX XXXX - XXXX liability. 



Please Delete false information from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that XXXX credit cards are reflecting after being paid and removed. The credit card has been placed back on my credit and is now reflecting XXXX  years XXXX  months which exceeds the statute of limitation for reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy ( XXXX XXXX : ) I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a revolving account for {$2500.00} opened XX/XX/2006 that dispite all my efforts remains on my XXXX credit report when it is now XXXX years old ( statue in NJ/ ) is XXXX  years and it was part of a fully successful bankruptcy discharge. The account is listed as TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 

1FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

15USC1681 has been violated and needs to be rectified! 
My information has been breached by birth XXXX and Experian. Prior to Experian informing I informed them of numerous things on my account that didnt belong to me and were untrue. They had never proven to me that these accounts were valid. From XX/XX/year> to XX/XX/year> I saw a ridiculous spike in inquiries, and then a magical credit card account appeared from XXXX. I called XXXX to inform them of fraud and ask them to remove the account. they close the account BUT THEY REPORTED IT NEGATIVELY so I called XXXX and told them it was fraudulent and XXXX agreed to remove it. XXXX did XXXX! 

XXXX is reporting to Experian despite me FREEZING them!!! 

This has hurt my credit and my ability to buy a car and a home!!!
Product: Vehicle loan or lease

I'd been looking at used cars through popular websites such as XXXX, XXXX, XXXX, etc. and requested information on a few vehicles I found, but I have never requested to apply for auto-financing or submitted an application to finance any vehicle. 

Just today I received a letter in the mail from CapitalOne about the status of an auto-loan application that was denied due to other application currently pending or recently processed, which again I did not submit or request. 

I don't know who is attempting to open an auto-loan in my name, but I've not submitted any applications for any auto-financing through any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] , XXXX XXXX XXXXl [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


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