23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got a payday loan back in XX/XX/XXXX one was on XX/XX/XXXX for {$300.00} then again a day later on XX/XX/XXXX for {$300.00} and then another one on XX/XX/XXXX for about {$250.00} one only on the first one I used to be sent to my checking account and the rest I picked up and each loan had my checking account from XXXX XXXX XXXX on file which was also the one that had been direct deposited in so it was the card I authorized to run to pay back. Well there was no way I could pay those back and made a poor discion and the fact that it's legal is beyonf me. They probably ran my debit card 25 different times and some occasions they got money and the rest been insufficient. I have gotten collections letters numerous times. On XXXX  XX/XX/XXXX they some how got my other checking account information and it said it was debit card that was charged. They ran it 3 different times for {$350.00}, {$350.00} and {$330.00}. where they got the amounts in do not know and how they got my card information I do not know but when I logged in my account they had multiple cards on file when I've only gave them one. They took over 1,000 of my unemployment  money that I have been waiting almost 2 months for. I was gon na use it to try and catch up my already behind rent. I never authorized them to use that card and they shouldn't have to right to just run it 8 months later. And give no warning or receipt or even answer me. Company 's always just XXXX me over left and right basically Rob me so I know it's along shot for anyone to help me. I'm just sick and tired of businesses making me feel so helpless because they always win. Banks can take and hold your money whenever they want and never help you and it's just okay
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting or other personal consumer reports

Inquiries are not mine XXXX XXXX balance incorrect
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Your office failed to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediatelyPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX cfpb complaint I asked XXXX XXXX  XXXX to validate debt, the debt was deemed out of statutory limits. Based on this, I asked them to remove it. XXXX XXXX  XXXX is illegally using the date they acquired the account for the alleged original creditor to report this as the open date for the alleged account. I demand this be removed Transunion is not wanting to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  said that I had an account with them charged off in 2017, and they sent it to XXXX XXXX XXXX when I called XXXX XXXX XXXX they stated that they didnt have no record of this account also and could not provided me with the full verification I requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein i agreed to Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Approval that collector has this account Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for XXXX XXXX  in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
Best Regards XXXX XXXX XXXX
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you
Product: Mortgage

My husband and I completed a loss mitigation request with Flagstar Bank on XX/XX/XXXX, and we were approved for a deferral, which was our preference due to our issue being temporary and our not wanting any mitigation to negatively affect our credit. On XX/XX/XXXX, my husband and I signed and uploaded the USDA Pandemic Mortgage Recovery Advance agreement to the Flagstar Bank website, as directed. On XX/XX/XXXX, I received verbal confirmation from a Flagstar Bank loss mitigation representative that the document was received and no further action was necessary. We planned to make our first required monthly payment, per the agreement, on XX/XX/XXXX. However, on XX/XX/XXXX, we received a letter from Flagstar Bank stating our loss mitigation file had been closed because Flagstar Bank " did not receive the fully executed modification documents and/or the monthly payment ( s ) '' necessary to complete the modification. After over a month of time-wasting, frustrating, unproductive communication with the Flagstar Bank Loss Mitigation Department , someone finally corrected the error, marked our loss mitigation status complete, and updated all account information to appear current. Since then, our payments have been on time and paid in full. Unfortunately, our credit reports still indicate we missed payments in XXXX, XXXX, and XX/XX/XXXX, which is not accurate and not in accordance with our signed agreement with Flagstar Bank. We are contacting CFPB for assistance in resolving this final issue, as Flagstar Bank has proved to be poorly managed and lacking appropriate oversight or accountability for their actions which are harmful to consumers, and I do not trust them to resolve this matter in a timely manner.
Product: Mortgage

Starting XX/XX/2023 ( " XXXXXXXX XXXX XXXX XXXX XXXX  ) United Wholesale Mortgage is trying to overcharge me by performing another deceiving Escrow Analysis. 
With no justification at all, with help from their so called payment processing team, XXXX XXXX ( whic is under the Cease and Desist Order issued by the Office of The Comptroller of the Currency ), they have increased the Escrow Deposit from {$710.00} to {$760.00}. ( please see attached ). Huge difference!!! 
{$710.00} is a contractual established amount, obtained through a previous Escrow Analysis that was performed in regards of the loan modification process. 
Moreover, this amount of {$710.00} can not and should not be increased at all as long as : 1. Cost with Property Mortgage Insurance, Homeowners Insurance and Property Tax didn't vary ( as per our contract ) and 2. because this was already established for a length of 60 months since is a XXXX XXXX backed up loan. 
Every year, every year, every year, this company has performed an Escrow Analysis and has put lots of EFFORT to overcharge my Escrow Account through a deceiving Escrow Analysis. 
Every time I have to address these concerns. 
I get it, they don't like the fact that the shortage can be paid in 60 months and not in 24 ( as they want for a faster cash flow ). But this is a XXXX XXXX XXXX investor 's backed up loan and they have to comply with the Federal Law and XXXX XXXX XXXX  requirements and guidelines and STOP abusing me and my account. 
Stop OVERCHARGING my Escrow Account! Out of the last 4 Escrow Analysis ( for the past years ) you never made a mistake in charging less, you only MADE MISTAKES and tried to charge MORE. Is your computer SET only to CHARGE MORE???? Maybe is time you should adjust that computer system and definitely your DECEIVING PRACTICES.
Product: Debt collection

I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XXXX  XXXX  XXXX  to release my medical records to elevate  recovery.
Product: Credit reporting or other personal consumer reports

Recently, I did an an investigation on my report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX Equifax Inc. said its systems were struck by a cyberattack that may have affected about XXXX XXXX U.SXXXX customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about XXXX consumers were also accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXXE XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

With my consent Home Depot opened another credit card in my name as I was making a purchase. I did not realize the material was charged to this new account, and missed seeing the bill. I was a week late for the {$15.00} charge. I was charged a late fee equal to my original charge, plus {$2.00} interest. I did not make time to dispute this late charge, and realizing I was late went to Home Depot to pay the bill, but Home Depot 's system only allowed me to pay {$15.00}, so I incurred another late fee. I attempted to resolve this with the bank ( Citi Bank ) and they refused my request to waive the original {$15.00} charge or to make it reasonable ( for example {$3.00} ). As it stands I have incurred {$6.00} extra charges for which they were willing only to waive {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed with XXXX, Experian, and XXXX on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from XXXX proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. XXXX believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Reporting FIVE TIMES! ] XXXX XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXXXXXX XXXX XXXXXXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all eight accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I told them, I was having problems paying my student loans, I'm currently on income based repayment and still Struggling, I owe over XXXX on student loans for an XXXX XXXX XXXX degree and XXXX still harassing me over XXXX dollars after, I had already graduated. My payments are over XXXX dollars a month, I am struggling.. This is with income based repayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.
Product: Credit card or prepaid card

Cancelled an order from XXXX, the charge remained on my bill after a refund was issued. I contacted Capital One Credit to resolve the dispute. Capital One issued a temporary credit to my credit account. After they investigated the dispute, Capital One concluded the merchant credited my account. The problem is the charge is still on my credit card bill. Capital One will not take the charge off my bill even though the merchant issued the credit. Date of charge is XXXX XXXX, I went to the store management gave me paper work for order. Its the same order that I canceled and they issued a re fund for {$26.00}. Which corresponds with the charge remaining on my credit card bill, the same date and amount, but capital One wont correct the mistake, it is their error not the merchant. This is the second time Capital One pulled this trick.
Product: Credit reporting or other personal consumer reports

There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( XXXX ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe XXXX has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by DNF ASSOCIATES LLC and XXXX XXXX XXXX, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. XXXX, DNF ASSOCIATES, and XXXX XXXX XXXX, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.