23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/year> i filed for XXXX XXXX XXXXXXXX and was approved. Then on XX/XX/XXXX i got injured at work had a XXXX from XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX. Then had XXXX on the XXXX of XXXX for my on the job injury. A week later i received a check from workman 's comp due to the injury, then a couple days later I received a check from XXXX so i called both XXXX and workman 's comp they are the same company XXXX both representatives i spoke to said they would look into this then i called my HR department she said she would look into it as well so i call corporate and was told i applied for XXXX so i could keep it, i did not think that was right so i kept calling XXXX and workman 's comp but could not get answers so figured it was taken care of. Tell 4 months later got a letter from XXXX that i had an over payment. This is just not right after what i was told also called XXXX spoke to a total difference person she told me she fully understandable on what i told her but it was out of her hands. I feel this is unfair, i do have names of all the people i spoke to as well. The amount is {$5300.00} the collection company is AWA COLLECTIONS REFERENCE # XXXX I SENT THEM THE LETTER OF EXPLANATION ALSO WITH ALL THE INDIVIDUALS I SPOKE TO
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint regarding XXXX and their refusal to honor mandates. Received a closure regarding the accounts and that the are closed. XXXX and Trans Union repeatedly reports on my credit report the accounts are missed payments. After receipt of the complaint results. Both are refusing to resolve the matter.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed an inaccurate account reporting that is damaging to my credit report. I have sent letters ( see attached ) with no response in reasonable time as outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone lived in my house with me, used my idenity, took my mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Are reported inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXn XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item to immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( XXXX XXXX XXXX Account Number : XXXX XXXX )
Product: Debt collection

Debt is not mine, Company failed to validate debt a letter was submitted asking them to validate not Verify the Debt with original contracts and not a bill as stated in the Fair Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and XXXX, XXXX and Transunion maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Product: Debt collection

This company continues to call/send demanding notices to me. I feel threatened as this woman just told me I am refusing to pay and that another amount would be added to the balance. And that I should pay my debt and made what seemed like some threatening comment afterwards. I advised her that was not my worry at the moment and I had nothing else to say. I am being harassed day and night via mail and/or calls. I received a one page document that does not state they are a debt collector. 

This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX and XXXX  XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. 

Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctiv
e relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint regarding inaccurate personal information on my credit report, which is being reported by Experian Credit Bureau. The incorrect information pertains to my address, name, date of birth, and employment history.
Product: Mortgage

My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies and violations found in my credit reports provided by credit bureaus ( XXXX, XXXX, TransUnion ). The inaccuracies detailed below have significantly impacted my financial standing and have caused undue distress. I request your assistance in resolving these issues with the respective companies involved. 

Discrepancies Related to Credit Acceptance : XXXX, XXXX, TransUnion : Misreported Payment Status : The account inaccurately reports late payments of over 180 days, violating FCRA regulations ( USC Title 15 1681a ).

Incorrect Dates : The reported dates for account opening and charge-off are inaccurate. 
Inaccurate High Balance : Discrepancies exist in the reported high balance, impacting the accuracy of my credit report. 
Violation of FCRA : The inaccuracies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), including misreported payment statuses and failure to investigate disputes promptly ( USC Title 15 1681s-2 ( a ), USC Title 15 1666b ).

Damages : Emotional distress, pain and suffering, discrimination, and loss of trust and creditworthiness have been experienced due to these inaccuracies.

Request for Investigation : I request a thorough investigation into these discrepancies and violations in accordance with the FCRA. Please provide updates on the progress of this dispute until fully resolved. 
Legal References : Various provisions of federal law, including USC Title 15 1681a ( 2 ) ( i ), USC Title 15 1681b, USC Title 15 6801-6802 , USC Title 15 1611 , USC Title 15 1691 ( a ) , USC Title 15 1692a ( 2 ), and the Consumer Credit Protection Act, support my claim of violations and inaccuracies.
Product: Credit card

I had an XXXX card with XXXX. The account was placed with Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX for collection. In XXXX 2016 I agreed to a settlement of XXXX monthly payments commencing XXXX XXXX, and ending XXXX XXXX, 2016. After the final payment was made I have continually asked for a payment in full letter, which I can not receive. The account is still listed on my credit report as having an outstanding balance and has affected my credit for purchasing a home. I just want them to acknowledge payment in full and send me the satisfaction letter, and report to the appropriate credit bureaus.
Product: Consumer Loan

I had a revolving HELOC XXXX 3.0 %, {$180.00} payment, interest only XXXX which was to expire XX/XX/XXXX. XX/XX/XXXX PNC Bank sent me a letter offering me a fixed rate 30 year HELOC at 3.84 %. I applied for that loan, and was approved. 

Then, PNC went back and did an appraisal on the home and sent me a letter stating they could not loan me {$75000.00}, they could only offer me {$73000.00}. 

They re-wrote the loan again, but this time the interest rate was 5.24 %. This increased my payments from {$340.00} to {$400.00} a month. I feel this increase may hurt me in the long run. I am a single income household. My wife passed away which has decreased my monthly household income by over {$600.00}. 

I have tried to work with PNC to find out why I was not given the 3.84 % as they had promised.
Product: Vehicle loan or lease

To Whom i

t may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents t
hat you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : CAP ONE AUTO Account NumberXXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

My identity got stolen, and they opened the account from Capital one. I have been disputing and fighting for my case. Capital one said that I used my XXXX account to paid the debt. And I said whoever stole my identity opened it. They dont believe me. So I filed a XXXX  through XXXX. To proved that I did not open the account through Capital one.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRY Account Number : XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was alerted to attempted identity theft on XX/XX/2019. I have attempted to place a credit freeze on my account with all three credit reporting agencies. XXXX  and XXXX  make this process very simple and I was able to do it immediately over the phone. Experian send me through an automated phone tree and then gives me a long message telling me to to mail all my personal information to Texas. There is no option to speak with a live person at this agency through their customer service line and no option to speak with someone or to request a credit freeze or thaw by phone. I am not comfortable mailing all of my personal information plus if I can not get a freeze placed in a timely manner or lifted in a timely manner it becomes unnecessarily burdensome. 

It appears experian is making this free government mandated service difficult or impossible to use, forcing people into using their paid credit lock service. I am forced to work with experian to protect my identity and essentially being forced to pay them to do so. I do not feel they are meeting the fiduciary requirements of handling my personal information and should not be permitted to continue extorting the American public through their predatory practices.
Product: Mortgage

Shortly after getting my mortgage with Santander Bank, I set up automatic payments, for the 15 year loan. They worked well without a hitch. Then, without notification, they stopped before the final {$23.00} was paid off. I received no notification that this was happening and it took me a full year ( thinking I had paid the loan in full and was just waiting for the paperwork ) before I contacted them and found out that they cancelled the auto-payments and since they cancelled them, and didn't notify me, I became behind on my payments and was subject to monthly property inspection fees of {$15.00} per month, totaling {$190.00} in fees. I filed multiple disputes with the company but they said that they " tried '' to reach me and couldn't. My primary residence had moved, but I set mail forwarding for a full year and all of my other banks were able to get reach me during that time. Additionally, I received no mail sent to the property that the mortgage was for - a seemingly basic attempt to try to make contact. When I contact Santander, I asked that I be allowed to bring my loan current by paying the {$23.00}, but they said the only payment they would accept would be for the {$23.00} plus all fees, and that if I didn't pay that, I would continue to be charged additional inspection fees.
Product: Credit reporting or other personal consumer reports

Requesting deletion for credit report due to in accuracy and it not being mine. This is prohibiting me and causing problems.
Product: Mortgage

Following Select Portfolio Servicing ( lender ) subsequent denial of the loan modification for the subject property located at XXXX XXXX XXXX , XXXX MN XXXX, and select portfolio servicings letter dated XXXX XXXX 2016 explaining XXXX date values of the subject property. I applied to Select Portfolio Servicing on XXXX XXXX, 2016 for approval of a short sale. My request has yet to be reviewed by Select Portfolio Servicing, no relationship manager has been assigned to the file and I have not received a single correspondence from the lender regarding my application.
Product: Student loan

I took out loans to cover my XXXX and XXXX XXXX education. After XXXX XXXX, I was hired by the Federal Government, consolidated my loans, applied for and was accepted into the Public Service Loan Forgiveness Plan ( PSLF ). My loans were transferred from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ).  Before transfer, I was on a Pay-As-You-Earn plan, based on my salary. Payments were made monthly by auto-pay, without any problems. On XXXX XXXX, XXXX, the loans were officially transferred from XXXX to XXXX. From XXXX, XXXX, XXXX billed me XXXX dollars. I made several phone calls, send several emails, and involved the Department of Education to get them to correct my monthly bill so that I could pay them the money they should have been collecting. During at least one of my calls with XXXX, I was told that because I was paying the amount listed on my bill ( {$0.00} ), those months would count for PSLF. I believe they also told me I would not need to reimburse them for those back months once the amount was corrected, but I am less certain of that than I am of their statements on the non-payment months counting towards my PSLF total months employed. They claim their calls are recorded, so they should have records of this call. In XXXX, my bill showed my correct monthly payment. My hours of work trying to get them to accept that I did in fact owe money was finally successful. I assumed the ordeal of trying to get a loan holder to collect money in a sensical manner was finally over. 
Unfortunately, the next month, XXXX XXXX, my bill had the entire owed amount from XXXX. I was not notified of it until they informed me it would be sent to collections if unpaid. I immediately paid the bill, and the next morning, called XXXX. XXXX refused to take responsibility for the mistake, but did agree to put my loan into forebearance without interest penalty for the XXXX months that they claimed I owed, which I was informed would pull those months off, and then in XXXX I would resume payment as normal, without a change to my overall balance, or effect to PSLF ( IE, my balance would remain the same, it would be like they really had billed me {$0.00} for those months, which is exactly what they had done ). I once again, assumed that this matter was settled. 
Today, I received yet another call. XXXX informed me that I have 3 months to pay the full amount owed for XXXX, or I will not receive credit for the months, despite their former statements over the phone. I am absolutely sick of wasting time trying to pay my loan under the terms. They threatened to take me to collections over a change they unilaterally made. They keep changing how theyre administering the repayment of my loan. Is there anything that can be done to force them to maintain some consistency and fairness? 

Message CC : United States Consumer Finance Protection Bureau United States Department of Education Maryland Represenative XXXX XXXX
Product: Credit card or prepaid card

Bought a washer and drier at Home Depot in XXXX of XXXX. Was told to get a Home Depot credit card to take advantage of 0 % interest for 18 months. I directly asked and it was directly related to me that there was no interest charge and would be no interest charged until after 18 months. At no time was it related to me by the store representative that the account was for " deferred interest '' and that interest was in fact accruing the entire period at an onerous 30 %. As I utilize online banking and autopay my card I had no reason to go online and see interest payment on my account until I logged on in XXXX of XXXX when I had money pay off the cards remaining balance in full. I was quite enraged to find that my balance was not the {$600.00} i expected but rather some {$1200.00} after being charged {$650.00} in Deferred Interest! If I would have known this was occurring or would occur I like would have never opened the account to begin with or would have most certainly paid off the card immediately. Now I am being charged {$650.00} dollars in interest for a {$1000.00} washer and dryer. Please help!