23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I moved to a new home after my divorce. Ordered Internet and TV services from XXXX XXXX XXXX. I had a cellphone service with them and was satisfied with this company for the last XXXX years. They suggested to bring my mobile service bill under a XXXX bill ; all services in one convenient bill. Over the months I saw that I was billed twice ; one on mobile bill and the same on my XXXX bill. I went to a physical location and they said they corrected the issue. Unfortunately, the problem persisted. I made phone calls and the problem did not get corrected. Now we are in XXXX of XXXX, and the problem is still not fixed. I called XXXX XXXX XXXX customer service and was connected to a representative named XXXX, from their call center in the XXXX. 
After explaining the situation he said he had corrected the problem and because of my longtime history with XXXX XXXX XXXX he offered me a XXXX for free to compensated for all I had gone through the last 6 months. The only thing I had to do was pay for the shipping, {$32.00}. 
When I received the phone and opened the package I saw that the phone was free if I activated the line associated with this phone. Heavily upset I went to the store and wanted to return the phone. They declined! I called XXXX XXXX XXXX resolutions and gave them all the information and they told me they would follow-up on this issue. 
I never activated the phone, its actually still in in original packaging and being so upset with the misleading and deplorable service I received I closed all my account with them. 
Then a few months after that the collection appeared. I contacted the agencies and explained exactly what I am telling you here. The issue disappeared from my credit report. Now all of a sudden this company IC Systems reported it again as a new charge as of XX/XX/XXXX and reported it again this month. I really would like to resolve this issue but I can not accept the charge of {$620.00} because, it was never disclosed, secondly, I never activated the phone and tried on numerous occasions to return it. 
XXXX XXXX XXXX has misled, provided poor customer service and has been unwilling to fairly resolve the issue at hand. I gave them the opportunity to review the recording of the exchange between myself and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please assist me in resolving this issue. This is from XXXX and not XXXX. This should already be XXXX XXXX XXXX and not 1 year and 10 months. I am asking you to help me resolve this in fair matter. Thank you for your time.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unresolved Credit Report Inaccuracy Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving an ongoing issue regarding inaccuracies on my credit report. Despite my efforts to resolve this matter directly with the credit reporting agency and the data furnisher, the inaccuracies remain uncorrected, which has caused significant harm to my credit profile.

The details of my complaint are as follows : Credit Reporting Agency Involved : XXXX and Experian Account ( s ) or Information in Dispute : Date open, Date last reported, Date last active, Date of last payment. 


I initially contacted XXXX and Experian to dispute the inaccuracies and provided supporting documentation, including the inaccuracies of their report and ask them fix the errors. Despite my efforts, I received from them that everything is accurate and verified.

I am enclosing the following documents to support my claim : 1. A copy of the credit report showing the inaccuracies This unresolved inaccuracies has cause me a lot of stress and mental straining on my well being. I believe the actions of the credit reporting agency are in violation of the Fair Credit Reporting Act ( FCRA ), which requires them to investigate and correct inaccuracies promptly.

I respectfully request that the CFPB investigate this matter and ensure that the inaccuracies on my credit report are corrected. Your assistance in protecting my consumer rights is greatly appreciated.

Please feel free to contact me XXXX if additional information is required.

Thank you for your time and attention to this matter. 

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

Recently I looked as a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking to verify as accuracy : XXXX, ACCOUNT NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX. 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage.

13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with XXXX, Equifax and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) XXXX XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$45000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions, i disputed them couple months ago and they removed them and 2 months later they put them back on my credit report without my permission and I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

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

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS.

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} ; JPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find accounts on my credit report that dont belong to me, and I have no idea how they got there. When I did my usual credit check, these incorrect entries just appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Given this unexpected issue, Im asking that my submitted documents are carefully reviewed so I can stop worrying about this happening again.
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced a personal loan that I had previously with : One Main Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX last year. It is a secured loan against my XXXX XXXX. I have never paid an interest rate of 29.99 % and this information was glossed over by a smooth talker ( Branch Manager ) prior to completing the loan. I had good enough credit at the time to qualify for a lesser Interest rate- in fact, I had just bought a home the month prior. I have attempted to refinance at a lower interest rate and they would not budge. 
The loan officer 's name is : XXXX XXXX ( Branch Manager ), Phone : XXXX, email : XXXX My current blanace as of XXXX XXXX, XXXX is {$23000.00}. This balance is not my payoff amount and is an interest-bearing loan. I currently pay {$450.00} twice a month and this is truely a burden. Twice a month I pay {$150.00} or {$150.00} in " Principal '' and twice a month I pay {$290.00} or XXXX of " Interest ''. I have not missed a payment since the loan inception, always pay ahead, and do not understand why they will not work with me on reducing the interest rate. The contractual monthly Payment is {$910.00}. The maturity date of this loan is XX/XX/XXXX. I will have paid nearly {$60000.00} by the time the loan is paid. I believe this woman is a predatory lender and wish she would have been more forthright/coming. I feel as though I have been taken advantage of as a 100 % XXXX Veteran. My SSN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Mortgage

As SLS failed to address most of my prior issues, we will try again. I will number them and use small words. Maybe that will help.

1. Apology NOT accepted for SLS failing to have my information on record. An apology does nothing to address the stress caused by being locked out of communicating for a month, unable to even start trying to resolve the multiple errors. SLS needs to ensure that never happens to anyone ever again. Preferably, CFPB should ensure SLS never does that to anyone ever again.

2. The documentation provided in the SLS response to the previous complaint clearly shows the tax payment made XX/XX/XXXX. There is no excuse for SLS duplicating this payment. I expect an explanation AND written confirmation that the lowered escrow amount due to SLS 's error will NOT factor into the next escrow analysis. 

3. The payments (? ) summary provided does not include ANY monthly payments. Provide documentation of the monthly payments made for XXXX, XXXX, and XXXX. 

4. The statements received from SLS do not reflect any principal or escrow payments made in XXXX ( " Paid Year to Date '' ). This is false. Principal YTD {$4800.00}, Escrow {$5700.00}. Clearly shown on final XXXX statement. SLS needs to explain why it does not show these AND ensure these amounts are reflected going forward. 

5. Forbearance : " Regarding the claim that SLS did not honor a forbearance approved by the prior servicer, we respectfully disagree. Enclosed is a copy of the forbearance confirmation sent to you, detailing the account was in a forbearance that began on XX/XX/XXXX and the end date of the forbearance is XX/XX/XXXX. '' SLS 's " respectful disagreement '' is completely WRONG. As previously stated, the loan was in forbearance with XXXX since XX/XX/XXXX. XX/XX/XXXX is not correct or acceptable. In addition, the SLS forbearance letter states it ( SLS ) is instituting the forbearance plan ( which, if true, would be wholly unacceptable as it did not consult with me to do so ). SLS is claiming that my complaint - that it did not properly transfer the forbearance plan already in place- is incorrect, but its own response and supporting documentation shows it ( SLS ) does not acknowledge a XXXX  forbearance plan or reference the correct date.

6. That SLS failed to correctly apply the forbearance plan ties directly to its claim that the XX/XX/XXXX payment was " due ''. As the loan was in CARES Act COVID forbearance - and had been so since XX/XX/XXXX, and had been extended through XX/XX/XXXX with XXXX, no payment was or is currently required.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Mortgage

Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit reporting agencies to try to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.