23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX USAA SVG BK is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. XXXX reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
Product: Student loan

I am writing to report a discrepancy in my Mohela eligible payment tracker. Several months are missing from the tracker, which is impacting my progress towards loan forgiveness. I kindly request an immediate review and correction of the missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an Equifax dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - XXXX XXXX XXXX let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted XXXX XXXX XXXX. Yet, Equifax has not. Also, while on the phone with a supervisor explaining this at Equifax, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.
Product: Student loan

I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.
Product: Credit reporting or other personal consumer reports

Received verification from XXXX XXXX that they no longer own the accounts reporting to my consumer report. CRA is still reporting these accounts.
Product: Credit reporting or other personal consumer reports

Requesting documents. 1099 XXXX  form and the original charging instrument these documents will show I'm not involved in a contract with this company or they are not the issuer of funds and this must removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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: Debt collection

My name is XXXX XXXX and I am writing to lodge a formal complaint against Procollect Collection agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe.
Product: Payday loan, title loan, personal loan, or advance loan

I hope this message finds you well. My name is XXXX XXXX XXXX I am reaching out to you regarding a matter involving an agreement I entered with XXXX on XX/XX/XXXX. I am facing challenges following their bankruptcy filing on XX/XX/XXXX, which has led to a breach of our original contract. 

The terms of the agreement included monthly payments for dental goods and services provided by XXXX, processed by Healthcare Finance Direct, LLC ( HFD ). XXXX did provide me with my box of retainers. Its the cessation of their services and contradictory statements through verbal communications with HFD that breaches our contract. ( XXXX arent reachable by phone, mail, or website anymore. ) Since their bankruptcy, several aspects of the services, such as the lifetime guarantee, dentist interactions, and treatment continuation, have been stopped. Despite these changes, XXXX insists on the continuation of monthly payments. XXXX ceased all its global operations leaving millions of its patients stranded. 

I am seeking advice on the legality and fairness of such actions, especially considering the uncertainty to the original agreement and the threats of collections from HFD. It appears contradictory to the roles defined in the initial contract. In the contract, XXXX acknowledges itself as the creditor and HFD acknowledges itself as the payment processor of the creditor The creditor stated in the contract is XXXX, HFD specifically said it wasn't a lender. However, through phone call interactions from HFD threatening to send me to collections, they claim that theyre the creditor/borrower. They claim that I owe them. But they didnt claim that on the contract. Thats my issue. As is my right, I suspended all payments to XXXX through my XXXX XXXX account. The whole situation is giving, We breached our contract. Were sorry. However, we still expect you to pay us. Its not right. 

Your guidance on this matter would be greatly appreciated, as I navigate through the complexities arising from the bankruptcy of XXXX. 

Additionally, I would like the consumer financial protection company to know that on the XX/XX/XXXX, HFD contacted me on my phone number. The customer care representative asked me to stop all the disputes I made to my bank on the payments made to XXXX. I asked him why should I be paying for a service that's no longer provided to me. I also asked him if HFD is the lender. He couldn't respond. I asked him who are these payments going to since XXXX is bankrupt. He couldn't respond. Finally, I asked him if I'm making payments to an obsolete company. He said yes. In what world of business and customer justice does that sound normal? 

Thank you for your time and attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United collection bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : United Collection Bureau , Inc . 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$420.00} Current Creditor : XXXX XXXX Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent the following inquires being furnished on my consumer report .see attached
Product: Vehicle loan or lease

We have made 73 payments on our vehicle. The maturity date was XX/XX/XXXX.  This company is telling us that we still owe XXXX more dollars and sent us a new contract to lower our payments and pay on our vehicle for 2 more years. This company is a predatory lender and are trying to take advantage of us. We are senior citizens and live on a fixed income. We were so looking forward to getting our vehicle paid off in XX/XX/XXXX of this year. Please help us.
Product: Mortgage

I had a mortgage from XXXX. They sold to Selene Finance. XXXX completed a loan modification and it was accepted and approved before Selene took over. When Selene received the loan they demanded back payment that was to be placed in back of the loan. Instead they demanded and received the payment of {$15000.00} and only put what they wanted to the back of the loan. I Provided Selene with the XXXX documents and they refused my paperwork a demanded payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX  months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) Equifax is required to promptly delete this item, not just close it.
Product: Mortgage

A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus XXXX, Equifax and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was XXXX from the military in XX/XX/2015, I have had medical insurance through the Department of Veteran Affairs since the day I was XXXX in XX/XX/2015. I gave XXXX XXXX XXXX XXXX copies and proof of insurance, proving that I should not have been billed directly for the visits. 


1. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$1300.00} 2. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$440.00} 3.  Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$130.00} 4.Original Creditor Name - XXXX  XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$79.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to file a formal complaint against Ally Auto regarding several serious issues related to the payoff of my vehicle loan. Below are the details of the incidents : 1. **Payoff Amount Mismanagement : ** - I received the full payoff amount for my vehicle from both my insurance company and my GAP coverage provider. Additionally, the dealership provided funds to cover all associated fees. 
- Despite these payments, Ally Auto has incorrectly managed the funds and the payoff amount. This has led to significant financial discrepancies. 

2. **Falsification of Information : ** - Ally Auto has provided falsified information regarding the payoff amounts to both the insurance company and the GAP coverage provider.

- This misinformation has caused confusion and miscommunication among all parties involved, resulting in undue stress and financial inconvenience for me.

3. **False Repossession Attempts : ** - Despite the receipt of full payment, Ally Auto has attempted to place a repossession mark on my credit report.

- This action is completely unwarranted and has negatively impacted my credit score and financial standing. 

4. **Overpayment and Refund Issues : ** - Due to the mishandling of the payments, Ally Auto now owes me funds. The total amount I have overpaid needs to be reimbursed. 
- Despite my efforts to resolve this issue directly with Ally Auto, there has been no satisfactory resolution or refund provided. 

I am requesting the CFPB to investigate these matters thoroughly. I believe Ally Auto 's actions constitute unfair and deceptive practices, causing significant financial harm and distress.
Product: Debt collection

This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

At 35 days past due, I received a letter notifying me they may accelerate and foreclose. I was instructed that I must make payment in the amount totaling two mortgage payments and additional fees in 30 days. One of the months included in this payment of certified funds was not even past the so called grace period. I strongly object to being required to make a special payment to them. If I have funds to pay the loan they should take it in whatever form I can give it. When calling the company the person I spoke with was ignorant and deflected as to the reasons the refuse payment via the app and require a special payment. She was not able to confirm to me that the letter was sent and she was not able to confirm receipt of funds. This requires me as the homeowner to constantly track what they are doing so as not to be caught off guard. This company is clearly predatory and uses any leverage they can to try and foreclose as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX/debt bondage. 

XXXX XXXX : XXXX # XXXX ; Amount : {$10000.00} XXXX XXXX  : XXXX # XXXX ; Amount : {$200000.00} XXXX : XXXX # XXXX ; Amount {$9800.00} XXXX XXXX XXXX : XXXX # XXXX Amount : {$6600.00}
Product: Credit reporting or other personal consumer reports

According to my consumer report for my XXXX XXXX XXXX XXXX mortgage account, you have a 30-day late payment reported for XX/XX/, after confirming with the lender there should be no late payment reported.
Product: Money transfer, virtual currency, or money service

on XX/XX/18 i found an XXXX XXXX from a website ( XXXX  ) i've used before without issue. the seller claimed the phone was an XXXX XXXX, pictures reflected same and would work on my XXXX account. seller was selling phone for {$180.00} which i sent funds via western union  MTCN XXXX. 

Phone arrived weeks after that to my surprise the shell of phone looks like the XXXX XXXX but upon booting up the phone nothing inside is XXXX rather what seems to be XXXX or another type of software. seller communicated what did you expect for {$180.00}. well iphones are made in XXXX so logically it is possible that costs of phones there are in that price range. seller said they'd accept a return for refund of {$180.00} but I needed to pay for shipping not them.

shipped phone back via usps XXXX XXXX on XX/XX/18 for {$23.00} to Scheduled Delivery Date : XX/XX/2018 Shipped to : XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX For whatever reason the package sat in XXXX forever, then usps couldnt locate the package, claiming that since the insurance was at {$0.00} ( requested by seller ) they couldnt reimburse me and its lost. 

Then about 2 months ago after 3 months of hearing nothing the package in its entirety arrives at my home. communicated with seller upon receipt of package and said they'd take it back again but then never heard anything when I said i add insurance of {$180.00} to not get screwed but who knows if it would get refused or not picked up at all. 

i have screenshots of the phone, the seller, the website, transaction data, emails, etc. 

http : XXXX? XXXX http : XXXX tried filing a fraud claim through western union but it keeps erroring out. phone is still in original and received packaging unchanged. seller sold through XXXX seller received payment by western union