23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i was working with the realtor to complete a short sale had a commitment from the buyer also due to the fluctuation in the interest rates the borrower and there lender was finalizing the deal my bank along with the lawyers went ahead and went into court got a sale date and said to the agent only way they would stop it is if the deal would include and additional XXXX within XXXX hours. i went to court the judge signed a XXXX XXXX XXXX i wanted to go in front of the judge at time of hearing to explain the case i wasnt told when the hearing was held the judge dimiss the complaint. now they are acting as if they entertaining the buyer as in bad faith telling us they have to get the final approval for short sale mean while have a sale date again for XX/XX/XXXX XXXX pending and holding XXXX XXXX. i worked out a modification with them in XXXX when i was giving no choice but to give them XXXX which i did and inturn i got and unfavorable situation with adjustable rate and high payment. recently i went to the court and looking into the file i notice that they also made false claims that in XXXX that i wasnt eligble for a settlement confrence because my property wasnt owner occupied which is false they knew that i did live there infact i have lived at that same residence since i obtained the property. they aslo mark me as a no show for the confrence which i had no idea was even taking place in a afidavit of service they went to my mothers address which is XXXX XXXX XXXX XXXX XXXX they stated that they served my cousin XXXX XXXX i just learned of this just a week ago looking in the files at the court we dont have anyone ever in the history of my family name XXXX XXXX XXXX i had a attorney handling the case during the XXXX his name was XXXX XXXX he passed away so alot of the documents was with him so its taking a little time for me to gather everything to show you.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, once again, is submitting this CFPB Complaint to request to you to correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I discovered that there a lot of billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. I need you to correct and or remove the following erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$0.00}. Also, you have been claiming that the disputed items have been verified by the creditors themselves and yet you did not send me any copies of proof of verification from your investigation which is a clear violation of my consumer rights under the FCRA. If you did not find any documents to support your claims, please correct the disputed items.
Product: Debt collection

XXXX is charging me for a service we only had for no more than two weeks, that wasn't completely installed, and could not get to work, which is why the service was promptly cancelled after the sixth technician tried to come out. And equipment that was sent back. Now I have a random collection on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC XXXX XXXX XXXX XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter
Product: Credit card or prepaid card

I have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX XXXX  with no successful resolution. Equifax is only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 and XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Last attempt email : XX/XX/2023 last attempt by phone XX/XX/2023 Company : Universal Account Servicing , LLC XXXX XXXX XXXX, XXXX, MO XXXX UNITED STATES Also goes by the names : Universal Account Servicing is the third-party billing service provider for your purchase from XXXX XXXX XXXX XXXX XXXX. 

This company was assigned to " service '' my loan from XXXX XXXX XXXX with little notice. They do not respond on the phone, and if they do they don't know much about the account. They also do not respond to emails. I've asked for a payout so I can close out this account as I do not trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due a security breach I have been offered free credit monitoring through XXXX. I am able to generate free credit reports. XXXX doesnt provide my credit score. I have also locked my report and companies that I have cards with are constantly checking my credit. I have accounts that have been closed for 15 yrs and they are continuing to show on my credit report.
Product: Credit reporting or other personal consumer reports

Complaint regarding the unauthorized access and breach of my educational records, financial aid data, IRS tax information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to:1. My academic records and personally identifiable information ( PII ) .2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information.3. My IRS tax transcripts, which were obtained and used without proper authorization.These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my credit that I do not recognize
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a payday loan from the following business : Check Into Cash, address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX on XXXX, XXXX XXXX. I've been using their payday loan service for a number of months and each time I receive a payday loan they refuse to give me the proceeds in cash. Regardless of what day our time I go to their location they tell me that they do not have the cash on hand to give me the full payday loan in cash. Instead, they offer me a XXXX XXXX XXXX  card in which they put half the amount of the payday loan on the card and then give me the half in cash despite having a sign posted that says I am entitled to receive my payday loan in cash. This leads me to believe that if I do not accept half the loan on the XXXX XXXX XXXX  card and half the loan in cash that I will not receive the payday loan. There are posters and flyers all over their office location to promote the XXXX XXXX card which is loaded with fees and has no real customer service available to help with disputes. This has gone on for 10 consecutive months and I have not received a single XXXX  in penalties from them ( Check Into Cash XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) for which to the best of my knowledge, I am also entitled for refusing to pay me in cash.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 10 % 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 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

I can only go back on my statement to XX/XX/XXXX through date. I spoke to a representative of XXXX  XXXX on XX/XX/XXXX and the manager was only able to credit me 6 months back. I never signed up for this and it was discovered by my wife as she has taken over paying the bills. This is complete fraud, I never signed up for such a service. They tell me I have been paying this since XX/XX/XXXX. I want a full refund or I am going to continue to pursue this matter. I can not believe these people can get away with this. I am trying to resolve this matter before I retain an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and 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

I have sent dispute letters to the credit bureaus multiple times but never did I receive any correspondence. Once again, I am the credit bureaus for the complete and accurate reporting of this account. Ensure to provide me with all the missing information I have been asking for. Your lack of correct investigation ruins my score. Please provide these information to correct my report...
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$410.00XXXX XXXX XXXX XXXX Balance : {$1800.00} Date XXXX XXXX XXXX Balance : {$6800.00} Date XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Inaccurate Information and Failure to Validate Debt Dear CFPB Representatives, I am filing a formal complaint against Equifax due to their unsatisfactory response to my dispute regarding a collection account on my credit report. 

I submitted a dispute with Equifax requesting validation of a collection account reported in my credit file. However, their response stated that the information was " verified as accurate, '' yet they failed to provide valid documentation to support this verification. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. The lack of verifiable documentation of the alleged debt constitutes a violation of my rights as a consumer under the FCRA. 

I am attaching Equifaxs response for your review and request the CFPB 's intervention to ensure compliance with the law. I demand the immediate removal of the disputed account, as it has not been properly validated. 

I appreciate your prompt attention to this matter and look forward to your response regarding the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter with Transunion regarding accounts reporting on my credit report. I mailed the letter on XX/XX/2020 and my letter was received by them on XX/XX/2020. On XX/XX/2020, I mailed a 30 day no response letter and I have not received a response.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section XXXXb Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized credit inquiry on my credit report dated [ insert date ]. I did not submit any credit applications or give permission for any company to conduct this inquiry. This inquiry is adversely affecting my credit score. I contacted the creditor to dispute the inquiry, but they have not provided any evidence of my authorization or removed the inquiry. I am requesting that this unauthorized inquiry be promptly removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with this company on XX/XX/XXXXto advise of the incorrect information thats reporting on my credit. I asked to speak with someone in the compliance department to get this issue resolved and was told that I couldnt speak with anyone. This item is reporting and I dont owe the balance. This is hindering my current employment and if this isnt resolved I will be terminated from my job. My job has given me 7 days to get this issue resolved or Ill be terminated from my job. If that happens I will file a lawsuit against the company. Attached I have a ledger from the school stating that I dont owe a balance.
Product: Credit reporting or other personal consumer reports

I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX