23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had dental work done in XXXX with XXXX XXXX - I had to pay IN FULL PRIOR to having the work done. They actually OVERCHARGED me - and then never refunded the overcharged amount - then they tried to double bill me - bill me a SECOND TIME for the work I'd already paid for about 6 months after the word had been done. I showed XXXX and the first debt collector they sent it to - in XXXX - the paperwork showing it had already been paid and what my insurance covered and what i paid out of pocket. They removed the duplicate bill ( at least that's what both XXXX and the debt collector said was going to happen ). 

It looks like this was again reported - two years later in XXXX - to some other debt collector called RADIUS GLOBAL SOLUTION and they have been marking this as delinquent since then - no one has EVER reached out to me about this duplicate debt. The only reason I know it exists again is because someone tried to steal my identity last month and I had to look at my credit reports. 

I disputed it with XXXX but all the company RADIUS GLOBAL SOLUTION did was mark it delinquent from XXXX through XXXX of this year instead. The debt was paid - in XXXX - to XXXX XXXX - BEFORE I had the work done. They overcharged my XXXX credit card and never reimbursed me the almost XXXX overcharge that I paid to XXXX. If anything - XXXX XXXX owes ME Money.
Product: Student loan

When I enrolled with the XXXX XXXX XXXX XXXX XXXX, I was told by my several advisors that funding provided to me would go through XXXX XXXX, their primary FEDERAL lender. Turns out all my loans are private. Limiting my protecting against the fraud and closing of the XXXX campuses as well as refinancing. Now Navient, has made my payments impossible, with the high interest rates from my loans and no options of canceling or refinancing my life has ended at XXXX. Because of the fraud and the lies from XXXX and XXXX XXXX XXXX, I will no longer be able to buy a car or finance a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report under XXXX XXXX XXXX. I have not have contact with this company. I do mot have access to this account. There is a fraud alert on my credit report that states to contact me before opening account. Please investigate and verify. If you can not validate the above accounts, I am requesting that you delete them immediately. I appreciate your timely response in this matter.
Product: Debt collection

I lived at the address XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and terminated my lease early due to military transfer. I attempted to use XXXX XXXX 's online portal to terminate my service in XXXX of XXXX which i assume failed as my service was not terminated until XXXX of XXXX. I called multiple times to try and explain to XXXX XXXX that i had not been living on the premises i was being charged for since the end of XXXX to which they responded that the only way I would be relieved of the {$550.00} charge to my account that occured after I left was to contact the property manager and get them to call XXXX and claim the charges that occured after i left the property. I attempted to do that and the property confirmed it to me however they said i needed to speak with the manager who never returned my multiple calls and emails. This account ( acct XXXX XXXX ) shows up on my credit report as being reported to collections even though the company and property failed to communicate and help me to resolve the charges that are not mine and that occured after i was no longer living at the property.
Product: Credit card or prepaid card

I was approved for an American Express XXXX credit card under a promotion where I was to receive XXXX reward points once I met the spend threshold of {$5000.00} within 6 months. As of myXX/XX/XXXX cycle end date, I had met the threshold by spending {$5200.00}. Each time I contacted American Express they confirmed that I had satisfied the conditions to receive the XXXX reward bonus. They promised I would receive the bonus by XX/XX/XXXX or XX/XX/XXXX. Its nowXX/XX/XXXX and I have n't received the reward bonus.
Product: Vehicle loan or lease

Despite sending in Form 50-285 Lessees Affidavit Motor Vehicle Use Other Than Production of Income, which Honda admitted they did not process timely, Honda charged me property taxes on my vehicle in violation of Texas State Law. 

Under Texas State Law, anyone to be charged property tax, MUST : - be notified of the amount of tax to be charged and the appraisal value of the property ; - be given the opportunity to protest the taxes ; - be given to appeal an unsuccessful protest. 

Honda did not do any of the above. Additionally, I did not waive those rights in my lease agreement with Honda. This is a clear violation of Texas State Law. Honda can not charge me property taxes because of this.

Honda was informed on this on a recorded phone line multiple times and by letter sent be certified mail. Despite my many attempts to resolve this, Honda continues to operate in bad faith and sent a debt collection agency to collect the debt. The debt collection agency consequently violated the FCRA twice.

This must stop. Honda must immediately cease collection of this debt unless they can provide clear proof that I waived my rights to be notified/protest/appeal.
Product: Mortgage

hi, My loan number is XXXX with loan care company. i saw my credit report they add one late payment on my credit .Please check the atachment, on page 8 they add late payment on XXXX XXXX.But i was paid off loan on XXXX .bcz i sold house in XXXX .i was signed escrow papers on XXXX XXXX.loan care inc mess up my credit.I request them many many time please remove these late payments from my credit, But its still on my record.I am trying to refinance my home.They want clearance letter from them about this late payment.But after two months still my credit is same>please help me Thanks
Product: Debt collection

Amount : {$320.00} Date Opened : XX/XX/2016 The account has been closed for years, I have tried to have it removed multiple times but it wasn't successful. I never received the XXXX for my XXXX XXXX but I am still being charged for it. I have did some research and the fact that this information has been passed to someone else is against HIPAA law.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

XXXX. Unauthorized Auto Loan : Lender : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 

Discover XXXX XXXX Dates without consent on XX/XX/XXXX. Phone call made XX/XX/XXXX was supposed to remove inquiry due to fraud within XXXX days this is still not removed. 


XXXX XXXX XXXX Dates without consent on XX/XX/XXXX and XX/XX/XXXX. Phone call made XX/XX/XXXX investigated and ruled unfounded. 

I have credit alerts and froze my accounts due to fraudulent activity. I also received a letter from the XXXX XXXX XXXX and XXXX that my information was compromised as a result of the XXXX Claim system.
Product: Credit reporting or other personal consumer reports

XXXX All of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a van is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is XXXX consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

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

XXXX XXXX XXXX HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, XXXX XXXX XXXX SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO  RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

XXXX XXXX credit card- administered by Synchrony bank ; Per this card 's cash back rules 3 % cash back should be given for Travel expenses. However, only 1 % cash back ( which is meant for all purchases ) has been credited for my XXXX fare ; Here is the relevant conditions per Bank 's online info : " 3 % CASH BACK AT RESTAURANTS AND TRAVEL PURCHASES : You will earn 3 % Cash Back on Eligible Purchases made at Travel merchants located worldwide ( excluding warehouse clubs other than XXXXXXXX XXXX XXXX ). 

Travel merchants are generally merchants identified by their MCC in categories such as airlines, rental cars, hotels, passenger rail travel, bus lines, cruise lines, timeshares, travel agencies, travel sites and tour operators. '' Please take this issue up with Synchrony bank and rectify their mistake so that I can earn 3 % cash back on XXXX fare purchases Not the 1 % they have credited this month. As I would be incurring at least {$1500.00} annually in my commute to work, this is very critical for me. Thanks
Product: Credit reporting or other personal consumer reports

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Product: Vehicle loan or lease

They said it was charge off as profit loss but it still showed that I have a balance on my credit report.
Product: Credit reporting or other personal consumer reports

Please review and sign your identity theft report. 
This is your official statement about what happened to you. 
Federal Trade Commission : IdentityTheft.gov FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statement I am writing to formally notify the FTC of a significant data breach that has occured with XXXX, one of the major consumer reporting agencies. This breach has comprimised my personal and credit information and has caused harm to my trust. I am demanding these accounts be removed from causing futher harm to my property. I have notified XXXX and they remain unbothered and my credit report remains unchanged Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXXXX/XX/year> Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit card or prepaid card

I pay my PayPal bills with my related Synchrony Bank credit card. The on-line payment information provided by Synchrony Bank shows `` Current Balance '', and " Minimum Payment Due. '' It does not show the balance as of the end of the billing period. So the choices provided fail to show the option with the required amount to be paid without incurring finance charges. 
The " Current Balance '' can include charges incurred after the end of the billing period, so this choice would have the consumer pay more than the amount required to avoid finance charges. And the " Minimum Payment Due '' would usually incur finance charges on the account. 
This is bad disclosure and, I believe, constitutes an unfair business practice. The billing statement should also indicate the balance at the end of the billing period so consumers will know how much they need to pay without incurring a finance charge. 
The Synchrony Bank chat facility ( on XXXX XXXX ) could not, or would not, provide the information of the end-of-period balance, and did not properly identify the government agency information for regulating such practices.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or un-verifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

TELERECOVERY COLLECTION/CHARGEOFF $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, LA XXXX XXXX XXXX ) XXXX This collection agency claims that I owe {$170.00} for a doctor visit that was canceled. They are trying to collect for a service that was never given. All previous appointments were paid in cash with receipts. This was not a lender but a doctor visit. The company would not return my calls about the matter and did not respond to my written letter. This is affecting my credit and they have yet to provide specifics so that I can prove it was paid. I DO NOT OWE THIS DEBT. Please tell me how to remove this from my credit info. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I do not understand the CFPB 's process. I have explained in great detail what transpired, and have supporting monthly credit card statements that prove that Wells Fargo is fraudulently charging interest to my visa card each and every month. I have previously responded to your agency regarding the Wells Fargo statement that they deny my allegation. I believe this may be the third time that I have submitted a response indicating that they continue to deceive your agency and for some reason you appear to believe them. It is my understanding that the sole function of CFPB is to protect us consumers against the illegal predatory practices of mega corporations '. Congressman XXXX 's office told me that your agency has little to no desire to go after the mega banks. Maybe the CFPB lacks the authority and resources to do so. If this is true, then your agency should refer this matter to the FBI or Secret Service. I am continuing to accumulate Well Fargo monthly statements that will vividly support my allegations. It's your move ; please do something to help me prove that what Wells Fargo is doing to me and maybe millions of their other customers is fraud and illegal. Thank-you, XXXX XXXX XXXX XXXX XXXX Veteran and Senior Citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car title loan wi th Springleaf Financial  on a  XXXX   XXXX   XXXX  in 2013. I lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX  ,  XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted Springleaf that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent Springleaf ( to the address on my credit report )  2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.