23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgages was sold by XXXX Mortgage to Carrington Mortgage effective XXXX XXXX, 2016. We were in the process of going through a refinance with a third lender and had to wait until our account was active in Carrington 's system before we could order a payoff. On XXXX XXXX, 2016, I called in, spoke to a rep named XXXX, and ordered an expedited payoff statement, checked the balance of the escrow and requested my automatic payment plan be cancelled since we would be paying off the loan before XXXX XXXX payment was due. I was told the automatic payment plan was not showing up on the system and to call back after XXXX XXXX. I tried to call back on XXXX XXXX, but Carrington was closed. I called on XXXX XXXX, spoke to XXXX and repeated my request to have my payment plan cancelled. After being transferred to another rep, XXXX, he told me I was not on any automatic payment plan, therefore no payment could be drafted on XXXX XXXX. I would have to submit a packet in order to get on an automatic payment plan. Our loan with Carrington paid off in full on XXXX XXXX, 2016. On XXXX XXXX, Carrington autodrafted a payment from my bank account, causing me to become overdrawn and charged an NSF fee. We called into Carrington on XXXX to complain and was told they could n't even see the payment posted to the account and I would need to fax in proof of payment and the NSF fee before they could do anything. I faxed in the requested information. On XXXX XXXX, I received a call stating I would need to sign the letter I had faxed in before they could start anything. I signed the letter and refaxed. On XXXX XXXX, I called in to check on the status of my request. According to XXXX, my request has been closed, but no check had been sent out. Each time I call in, I start over and each time I am told that a refund request takes 14 days to process before a check will be issued and mailed out to us. At this rate, it will be XXXX before I see the money Carrington Mortgage stole from us, if at all. Yes, STOLE. I never gave Carrington Mortgage authorization to autodraft a payment. I called TWICE and revoked the authorization Carrington inherited from XXXX. They stole my money and are making me jump through hoops in order to get it back. What 's to stop them from taking a payment on XXXX XXXX? I ca n't take them at their word. The real kicker? We received a letter from Carrington dated XXXX XXXX, 2016 thanking us for ENROLLING in their automatic payment plan to begin on XXXX XXXX, 2016. The letter was postmarked XXXX XXXX. This is the shadiest mortgage company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX 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 not satisfied debt. XXXX -XXXX XXXX XXXX XXXX has not satisfied debt. XXXX -Untitled XXXX XXXX XXXX has not satisfied debt. XXXX XXXX XXXX XXXX XXXXt has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX 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 card or prepaid card

I have a milestone credit card that I have never used and now I am being contacted by milestone stating I owe them money. For an additional card I don't have nor account information.I have a different fraudulent account and credit card NEVER USED. Doesn't make any sense, how would they allow a person to get XXXX of the same credit card? They know I'm a loyal customer so why would I get another card and mess up my credit while the card I have hasn't been used??
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute with Equifax regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax concerning the following issues, but to date, they have not responded. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance of {$1000.00} as I recall a lower amount. 
Request to delete the Past Due amount, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent negative credit score impact. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : This account does not belong to me ; please remove it from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : This account is not mine ; I request its removal from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : Dispute the reported balance of {$390.00} ; I believe it should be lower. 
Request removal of the Past Due amount, as the account is closed and charged-off. 
Mark this account as disputed while I resolve the matter with the creditor. 
Request verification of Date Opened, Date of Status, and First Reported.
Product: Debt collection

On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. 

They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. 

After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. 

The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. 

I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. 

I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. 

It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. 

A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repetitively to have Experian and XXXX to take of a Bankruptcy showing on my credit file. The date of this is XXXX 2014. I never filed bankruptcy at that time. I asked them to verify by showing my signature with any legal paperwork. They did not, and kept on saying it was verified. I will swear under oath to this if need be. They are mistaken my information. I want this off both these credit reports right away. It is hurting my credit score. They are in violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX as well as the XXXX XXXX XXXX to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However XXXX constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Product: Debt collection

Happy Saturday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I opened a new AppleCard credit card ( from GoldmanSachs Bank ) on XX/XX/year> because they promised a {$100.00} AppleCash bonus if I spent {$500.00} on the AppleCard credit card in the first 60 days. I spent the required {$500.00} in the first 60 days but AppleCard has not given my the promised {$100.00} XXXX bonus. I am uploading a PDF of the AppleCard website showing this offer and its terms ( which have been met by me ). Please also find a link to the offer here : 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

I have some inquiries from unknown companies that show up on my credit report. Please remove these asap
Product: Debt collection

credit reporting company " credit collections USA '' ruined my credit for a debt that i do not owe. i have written this collections company and they have failed to respond in the past 30 days and also the university. i have also threatened them with legal action but no answer at all from them. i want my credit entry erased or i will file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

from : natural person-XXXX XXXX XXXX to : EXPERIAN INFORMATION SOLUTIONS, INC. 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX- Compliance Director XXXX- XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : XXXX XXXX XXXX/XXXX XXXX or XXXX XXXX XXXXXXXX XXXX XXXX, neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded XXXX XXXX XXXX/XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.
Product: Mortgage

XXXX XXXX  XXXX we chose to go in to forbearance, with the understanding that it would be for 6 months. At the XXXX month mark I started the process of getting back on track with the mortage. I did not receive a loan modification until XXXX XXXX  XXXX. The mortage company took that amount of time to get it together. Now I'm XXXX  XXXX dollars behind and the interest rate has tripled in the length of time it took them. Consequently the mortage payment is now XXXX more than the original payment.
Product: Debt collection

I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency violated my consumer rights that were set by congress to protect me. 

Laws violated : 15 USC 1681a ( 3 ) : They assumed the role in assembling and evaluating my consumer credit, without my consent. 

15 USC 1681a ( 4 ) : They failed to exercise their grave responsibility, they were unfair, impartial, and did not respect my privacy.

15 USC 1681b ( 2 ) : I never instructed them to furnish this report or to create this report. I never gave consent.
Product: Credit reporting or other personal consumer reports

I have reached out to these companies as well as TransUnion XXXX and XXXX about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking. 
I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting

The credit card is a business credit card, but is showing up on my personal credit report and should not be. There are numerous shareholders in this company and the card does not show up on their credit reports. My personal credit has nothing to do with the business credit accounts.
Product: Money transfer, virtual currency, or money service

Back in 2021 I was pregnant with my first daughter me and my fianc were looking for a home because we were staying in an RV once we had found a house to stay in. I had a transaction that was unauthorized on my account from the so-called landlord who was actually a scammer so I had to not only not have a home for a little bit but also I lost XXXX to XXXX dollars. I then contacted cash app support but only a bot about general questions. There was no one I could talk to. I could only email in my problem but took long to reply nothing ever got resolved and I was just out the money. Im sure there are other times Im sure their records show.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Rep advise me that i can get a deferral on the acct to XXXX XXXX, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act CREDIT BUREAU ACCOUNT NAME & # has violated my rights on DATE ACCOUNT OPENED for BALANCE OWED. 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 instruction so therefore I need these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/22 {$4700.00}, XXXX, Experian and XXXX did nothing to resolve the disputed claims.