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

Both, XXXX and Equifax report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day.
The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway?
Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee.
This bill belongs to someone else.
Product: Student loan

I made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them.
Product: Debt collection

: RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act.

-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.
Product: Credit card

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
AMERICAN EXPRESS XXXX & AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXX XXXX This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX/ XXXX XXXX
Product: Debt collection

On XX/XX/2018, I began receiving repeated back to back calls from a man named XXXX at XXXX XXXX XXXX. XXXX never identified himself as a debt collector on my voice mail, nor did XXXX provide a mini-miranda. When I answered the call, XXXX never identified himself as a debt collector, nor did XXXX provide a mini-miranda. XXXX immediately asked to verify my social security number by reading to me the last XXXX of my social. XXXX never bothered to first verify that I was in fact the person he was trying to reach and he provided my social to me instead of asking for me to provide the social. to him. XXXX could have been speaking to anyone other than me and XXXX blatantly provided part of my identity without verifying it was me he was speaking to. It was after that point, XXXX informed me I was being recorded. Just 2 minutes into this call, XXXX and his employer have broken several FDCPA and TCPA laws including failure to identify himself as a debt collector, failure to provide a mini-miranda, and failure to verify that he was speaking to the proper person by having me provide and verify my information to him. When I questioned him and stated I never received and notification by mail or phone, XXXX became extremely aggressive with me, talking over me, not allowing me to ask questions, and trying to confuse me into accepting responsibility for an alleged debt that his company is trying to illegally receive payment on. XXXX would not let me speak and clearly his tactic was to scare and intimidate by stating he would contact my employer. When I asked him not to do that, he became even more aggressive and then hung up on me. After researching XXXX XXXX XXXX, I learned that it was actually Platinum Holding, LLC that XXXX was working for. On XX/XX/18, XXXX called and left me a voice mail stating we needed to get this resolved otherwise he would send case # XXXX to his management for further legal processing and " next steps ''. Once again, XXXX never identified himself as a debt collector, but used Platinum Holdings this time as the company he was calling from on my voice mail. When I called XXXX back, once again he made the statement that " we '' are getting this matter resolved before it proceeds and then after that informed me we were being recorded. Before telling me that, however, XXXX once again read me my Social Security number instead of verifying that it was me he was speaking with. I stated before we went any further, I required validation of the alleged debt. He began raising his voice, speaking aggressively and refusing to let me speak. He stated, oh you have already received so many notices and clearly you want this to proceed. He then hung up. I truly have never received anything from this company who has purchased this alleged debt. They have violated so many laws, too numerous to count. I will not be bullied into paying a bill to a junk agency who does not follow the law. It is not unreasonable to request validation and documentation of a debt that I know nothing about, not to mention an initial letter letting me know they have a debt that they have purchased.
Product: Credit reporting

I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I recently found out I was a victim of the XXXX Data Breach. My personal information was compromised leading to improper and illegal use of my credit report. This data breach caused incomplete, inaccurate and fraudulent account information to appear on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX Transunion XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX do not belong to me XXXX XXXX XXXX XXXX do not belong to me DEPT OF ED / XXXX do not belong to me XXXX XXXXXXXX XXXX XXXXXXXX do not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX do not belong to me XXXX XXXX XXXX XXXXXXXX do not belong to me XXXXXXXX XXXX  do not belong to me XXXX do not belong to me XXXX XXXX do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX  do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 I had a XXXX credit score ( excellent ) with Transunion and a XXXX with  XXXX. For over 15 years the two bureaus have been within 1 to 15 points of each other with the same credit factors being reported. At this point let me express I am fully aware of what does and doesn't constitute score changes both lowering and raising. I have worked diligently raising these scores particularly in the last three years. Within 28 days, while XXXX and XXXX have risen Transunion has dropped 101 points given the same positive criteria like credit card payoff to XXXX  balance ( XXXX up 14 Transunion dropped 49 ) it literally makes no sense. The scores between the bureau are 100 points and two categories different. I dropped from excellent to good to fair in the space of 28 days with Transunion while my scores went up with XXXX. YES there can be a glitch or scoring model inaccuracy and the Transunion representatives that I talked to from level one to level three could not make any sense of this drastic score drop and even asked if I had a recent bankruptcy or default. No. I have excellent history of everything and still outstanding credit with other agencies. We're not talking about a 10 or 20 point difference here. This is 100 points for no reason. Please address this with Transunion and I'm confident they will find the scoring error.
Product: Checking or savings account

I was looking for an affordable small business owner that can help drive traffic to my XXXX or XXXX XXXX.I went to XXXX so i can support another small business owner and also to get an affordable services, an amount i can afford.I replied to some post and a few about 4 responded to me.A day or two i got someone who contacted me and said he could do the job, he offer to do retargeting and SEO.He said he will do SEO for {$300.00} and Retargeting for {$600.00} that is a one time payment and if something gets broken he will fix it at no additional cost.The total was {$900.00} I borrowed the money and paid him on theXX/XX/XXXX through XXXX  the sum of {$800.00} and to finish {$100.00} after the job has been done. He asked to be paid through XXXX saying that his XXXX account has problem ( I prefer paypal for all my business transactions ) .From the day he recieve the money is one complaint to another, he wants to transfer my online store to XXXX  or XXXX or he is looking for COVID Kit all day all over the place or he is doing plugins or he don't like XXXX  or he wants my XXXX password to make sure pixels are well connected or the pictures are not good even if we drive traffic to your site no one will buy ... He does nothing on the site, no work done. As nothing was being done i insisted an not moving my site from XXXX  platform and that i know XXXX  is the 5th best ecommerce site and we can change when i have money but for now lets work with XXXX.No tranfer attempt was even made or any work was done just noise on the phone to play over my intelligence. On the XXXX in the morning i increase pressure on him and he said he will run the site and in the afternoon give me feedback on why the site is unhealthy and get the work done. I text him all day till XXXX no reply from him then till today.I never knew someone will register a business to scam people.
Product: Checking or savings account

Cadence bank wants people to be " patient '' as they have not resolved an issue with a " vendor ''? 
So Cadence bank does not control their own internal workings? 
WHAT DOES THIS MEAN? 
today is our payday and we do not have access to our money nor correct balance. 
In all my previous attempts to correct the ever changing policies of Cadence bank regarding shortage of funds and depositing cash same day why are we not given AGAIN the full story of why this bank is having issues to the point where we do not have access to our paycheck? 
This bank needs to be seriously looked at by government agencies. 
Their policies are not put out clearly and change with how that specific person you speak with on line or over the phone feels that day, no consistency. 
Now this .... its Friday morning and its not resolved.
Product: Mortgage

My original and current Wells Fargo FHA loan from XXXX was amortized incorrectly from its inception, thus costing me higher payments and more money overall in the long term, and now at payoff time, doing this has left me a principle balance of approximately ~ {$19000.00} to be paid off this week, which is the net result of my mortgage being incorrectly calculated the entire 27 years of my adjustable FHA loan. 

I had to get a different loan recently for this {$19000.00} amount because Wells Fargo is charging me {$830.00} monthly for this amount over the last XXXX remaining years of my mortgage finalizing and closing in XX/XX/XXXX, when a different bank was able to finance that same amount for approximately ~ {$300.00} monthly, on a HELOC, and even at a higher interest rate. 

Is something wrong with Wells Fargo math here? Yes, there is. 
My FHA morthage specialist and teacher in mortgage school analyzed my Wells Fargo FHA loan and was certain that was calculated wrong, using the wrong methods, and also that doing it that way was a violation of FHA and Bank financing. He urged me to get the government regulatory agencies involved to fix the issue because using their formulas is not allowed by law. 


I have tried numerous time over the almost XXXX decades to work things out, and do what I could to lower payments, or refinance, or FHA streamline, to no avail. The loan is too expensive and likely not amortized correctly, just as I was legally advised by an expert who teaches FHA lending at the Arizona XXXX XXXX XXXX XXXX. 
Please recalculate and properly amortize my original Wells Fargo FHA loan from its inception in XX/XX/XXXX, and apply any and all credits, and forgive and erase any remaining principle balances so as to clear the title. 
Thank you
Product: Debt collection

I initially filed a complaint with CFPB about Rosebud Lending ( AKA XXXX ) on XX/XX/XXXX ( Complaint # : XXXX ), stating that I had taken out a {$1000.00} loan with XXXX in XX/XX/XXXX, and since this time, I have paid over {$4000.00} in payments to this company. Yet, they were still trying to say that I owed them ( at the time ) {$1800.00}. When XXXX responded to the compaint on XX/XX/XXXX, they wrote the following at the end of their attempt to justify these expenses : " In an effort to resolve this issue, XXXX is willing to accept all payments made to date and close out your loan as settled in full. '' However, it is now XX/XX/XXXX, and I am STILL receiving daily emails stating that I owe a past due amount of ( it increases EVERY day ) {$2100.00} and that they will be sending me to collections. I have sent them a copy of the original CFPB complaint with their response on THREE separate occasions, and every time nothing changes and they act like their compaint justification never happened and they do n't have to honor it. I know for a fact they 've gotten these emails, because I always get a response back stating " Your request has been received and is being reviewed by our support staff. '' I want this account completely closed out and XXXX out my balance like they stated that they would do, and I want these harrassing phone calls and emails to stop.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX this account was settled with the creditor. The account has been reported to the CRAs for the last two months and the company is aware of the settlement to correct this account and have mentioned that it is settled in correspondence with me. They have also quoted FRCA regulations for their reporting. My issue is that while quoting the FRCA regulations, they are reporting the balance as well as are reporting monthly on a settled account. If the company is going to claim the regulations, then they should actually be following those regulations.
Product: Checking or savings account

The first week of XX/XX/2018, my debit card was misplaced at some point in an unknown location. I looked at my account and noticed dozens of charges at various locations in my state, some I frequent myself, some I had no idea. I called and filed a unauthorized charges dispute as soon as I saw my account information. It was investigated and I wasnt sure what was a normal charge I made and what was unauthorized/fraudulent because I was out of sorts at the time. I was refunded within the next week or so for almost a thousand dollars. I just got an alert 3 months later that my refund is being taken back on XX/XX/2018 and that my claim is closed for further discussion. I did not make XXXX dollars worth of charges and can not be dismissed with a simple " we looked into it and its your fault ''. I will go negative and suffer many overdrafts if this action is permitted tomorrow and it will take me months of being behind on Bills to catch up. All for something that is not at all my fault.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the unresolved issue of fraudulent items on my credit report. Despite my previous two attempts to rectify these inaccuracies, the fraudulent entries persist, significantly impacting my creditworthiness. This letter serves as my third formal request for the removal of these erroneous entries. Despite these efforts, these fraudulent items remain on my credit report, causing undue harm to my credit profile and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. I urge you to treat this matter with the urgency it deserves and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. I appreciate your immediate attention and also for your help to this matter and your commitment to resolving it promptly. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX & XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX.