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

XXXX XXXX XXXX service was requested discontinued. Service Tech came to house and collected equipment. Some time later a bill was sent for about 5 months service charge and a charge for other unreturned equipment. No notice was ever given to customer about additional equipment to be returned. When customer received bills after service was cut off, and asked for clarification of the unjust charge, it took XXXX XXXX XXXX extensive time to determine what the charge was for, and once notified, idle equipment was returned by customer and credit issued for the equipment charge. 
However, no credit was issued for the 5 months of time when no service was provided and no use of service was made. 
XXXX XXXX XXXX refused to credit the time although they had both neglected to pick up all equipment at the time of last service call, and failed to notify customer of any further obligation to return the equipment in question. 
XXXX XXXX XXXX is attempting to bill customer for a period of time after service was cancelled and for which period of time no service was provided or used.
Product: Mortgage

My Father died XX/XX/XXXX, I lived with my father. I became delinquent on the mortgage because I was responsible for his care until he died. I've requested a mortgage modification with Ocwen Servicing several times. I recently submitted the required documents for a mortgage modification. My modification request is currently in processing with Ocwen Loan Servicing. But a property foreclosure sale date has been set for my property XX/XX/XXXX. I do want to keep my home.

Please Help!!!!!!!!!!!!!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their Chairmen of the Broad they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.
Product: Debt collection

On XX/XX/2019 at XXXX pm XXXX I was contacted by XXXX Bank about a bad debt of my EX Wife and her last known husband. I informed them it has been over 10 years since I have seen or heard from her, and that we were still divorced, and her affairs had no relationship to me. I was advised that I would never be contacted again. 

On XX/XX/2019 at XXXX am XXXX I was again contacted by XXXX  Bank about the account and the individual said they had " no record '' of every having contacted me regarding the matter, and that I would never be contacted again. 

I see a pattern of harassment to extract some monies from me so as to get them to leave me alone since they have been unsuccessful in collection efforts against my EX Wife and her last Known Husband.
Product: Payday loan, title loan, personal loan, or advance loan

I struggled to repay my loan and now the company is harassing me with phone calls. I'm getting more than three calls per week and they call from a different number each time. I tried blocking the number but then they just call from a different number.
Product: Debt collection

The gist is that my credit report under XXXX XXXX got hit for XXXX points by The Stark Collection Age. Found out via XXXX XXXX email on XX/XX/XXXX. I didn't receive mail from the collection agency, a phone call, or anything. Just hit my credit immediately. 

This collections issue happened due to a poor customer service interaction with XXXX XXXX. I've called them from XX/XX/XXXX - XX/XX/XXXX trying to return their modem to them. I've had various issues each time to where it felt like they just wanted me to pay the {$140.00} for their modem. You can't return it unless they send you the return packaging first apparently. XX/XX/XXXX I called to see if I had to return anything since I was moving and no longer needing their service. I was told I didn't. XXXX after seeing I've been billed for the modem, I called again. Was told it was because I didn't send it back ... and that they would send me return packaging. XX/XX/XXXX Was told the process was started but never actually finished. Said their system shows me having the old router and I don't have to return it. Verified with them I do have the new router... they Manager will make sure packaging gets sent.XXXX I call again and am told they sent the packaging to my old address. Told them to send it to my current address. XX/XX/XXXX I call for the final time telling them how many times I called and concern with being sent to collections. Assured that wouldn't happen because this wasn't my fault ( Knew I was in trouble then ). I am told again they show I have the old router. Go through verifying with them I don't, and ask them to send to my address. I don't get anything, I stop calling, XXXX to XX/XX/XXXX and now a collection agency has dinged my credit out of the blue. 

I have the exact times I've called on my phone and everything documented. I don't know... if it will do any good but at this point I don't believe I've been treated fairly nor do I believe my credit should be dinged.
Product: Payday loan, title loan, or personal loan

I have an account with Western Finance XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX.The representative was XXXX XXXX . 
The representative could not reach me and contacted my referance XXXX XXXX XXXX. She stated she couldnt reach me.my referance then asked whats her balance with yall? That information was given. The referance then asked " How much of that is past due? '' she then gave that information as well. My referance then attempted to pay on the accouny for me out of concern that it was delinquint an payment was refused and she was asked to pay a full payment instead and that amount was given to her as well. She then told the representative she would try an reach me and she then reached out to me and was very upset. The representative has now upset my friend and myself by involving her in my financial situation. What happened to protecting my privacy with the Gramm Leach Bliley act.When contacting the store with my concerns no apologies where given.I asked to speak with her Supervisor and she gave me the number to the manager atanother store whom I recognized from speaking with her before. They alwys have other store managers calling trying to imply they are higher ups in the company. Its n old collection tactic.
Product: Credit reporting

I had previously filed a complaint concerning the reporting of my Chapter XXXX on Equifax credit bureau past the timeframe allowed to report. One of my tradelines is now changed to report charged off. The account with XXXX XXXX XXXX XXXX is constantly changing their reporting to state the bankruptcy or charge off. Once the Ch XXXX is discharged, the acct is supposed to be removed 2 years from the date. Equifax continues to report what they are sending in even though the timeframe to report has passed. They are going through the motions and not paying attention to what they are adding. I received an updated credit report with the Ch XXXX removed but now charge off/loss is being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Child Support Account from Credit Report Dear TransUnion Consumer, Solutions, I am writing to formally dispute the inclusion of a child support account on my credit report. The information is inaccurate and/or outdated, it is XXXX old and I request its removal pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The account details are as follows : Account Name : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Details Disputed : This account is outdated and have been paid and should be removed from my credit report, I have included the following supporting documentation to validate my claim : Proof of resolution of child support obligations. 

I kindly request that you investigate this matter and, if you can not verify the accuracy of the reported information, remove it from my credit report immediately. Under the FCRA, the credit bureau must ensure that all information it reports is accurate, complete, and verifiable. Under the FCRA 15 U.S.C. 1681c-2 any negative items that a company reports without my consent is considered identity theft and fraud. 

Please provide written confirmation of your investigation and the outcome. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law ( 30 days ). 

Thank you for your assistance. Should you require any additional information, please do not hesitate to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Copies of documentation
Product: Payday loan, title loan, or personal loan

Covington credit : constantly harassing me everyday sometimes 2 to 3 times a day. They told me awesome they can call me every 2 hours if they want. A couple days before she was saying she can call as many times as she want in a day.The calls started XX/XX/2032 and present time. On XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me three times, on XX/XX/XXXX they called me two times, on XX/XX/XXXX which is today they called me two times and the time that I talked to her today she said they can call every 2 hours if they want. The other days that I have not mentioned they called one time sometimes they call five days a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the companies the inquired my credit.
Product: Mortgage

I previously had 2 different mortgages on two residential properties ( in 2 different CA counties, XXXX County & XXXX County ) serviced by Bank of America. Both loans were over 7 years old as of XXXX. Neither loan had impounds /escrow accounts as I paid my own taxes and insurance on both. Neither account has ever been late or delinquent. I sold one property in XXXX County in mid XXXX and the BofA loan was paid off and closed. BofA has now started adding a past due amount into an escrow account for my existing loan and property in XXXX County without explanations, letters, claims etc. I called in XXXX of XXXX and the CS representative agreed and requested internally for it to be corrected. I asked that a letter of explanation be sent and they agreed. No letter was ever sent or received and this was confirmed by BofA now in XXXX. The thousands of dollars they claim I owe ( {$2400.00} ) them has not been corrected. I called again XXXX and was told that my request from XXXX was rejected. No letter was ever sent per BofA CS rep. I was also told that there was now ANOTHER charge of {$6600.00} placed onto my escrow account for property taxes paid to XXXX County on XXXX. Again, I sold the XXXX County property, without any delinquent or past due amounts or judgements, around XX/XX/XXXX. I am very concerned that BofA now claims I owe them over {$9000.00} and they refuse to provide any documentation, send letters of explanations, or correct the problem.
Product: Credit reporting

Aged item showing on my credit report. Item was place on report showingopen : XXXX XXXX activity XXXX should be report it is passed the 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking documents.
Product: Checking or savings account

A year ago, I submitted a request to remove my ex husband from my checking account, and he was not removed. Earlier this week, without my consent my XXXX  XXXX  closed my account. I have had this account for XXXX  years, before I was married ; and I dont understand why the bank didnt give me prior notification that this was happening. Now my deposits are frozen, all of my accounts that are paid from this account have to be rerouted to a different account, and I have no banking source.
Product: Credit reporting

I want to know how Trans union arrives at a credit score What causes the difference in the types of scores. As car finance, Bank finance, Home finance payments.Credit cards.What priority and scores apply to these. 
Also Foreclosure, Short Sale, Deed in lieu, or Foreclosure started. 
What determines the length of time things stay on my credit report and the [ process used.
Product: Debt collection

I had just come home from the hospital being in the XXXX  at the time and found a notice attached to the door to vacate the property because they were renovating the apartments at the time. I called the rental office and asked to move to another building since the current apartment I was living in was ready for the upgrades the property manager tole me no not remembering that my lease was not up until XXXX at the time because I was still heavily medicated when I came home. I explained to the property manager I just came home from the hospital, and I needed some time and XXXX XXXX XXXX explained that I had to be gone by the date on the vacate notice. I was not taken to court for this matter and one day when I pulled my credit report to find the apartment complex on it. I contacted them and explained the situation and I disputed this account so many times in the past with no response with the same results saying I owed this huge amount of money which was incorrect. I did not pay XX/XX/2019 when I came home from the hospital since I had to find a place to move in a short amount of time. When speaking with the collection agency I was told I had broken my lease that was to end in XX/XX/2019, I explained to them I still had the notice to vacate and the amount was correct, I explained it was not correct how this was ruining my credit and finding proper housing. I have paid some of the money back and asked them to have it removed from my credit reports because this was there fault not mine.
Product: Credit reporting or other personal consumer reports

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XX/XX/2024 amount : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and permanent deletion of accounts and inquiries listed below, which were fraudulently opened in my name due to a recent data breach. These accounts and inquiries were not initiated by me, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit report. 
Please remove the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a letter to American express asking them to validate a debt that was furnished on 3 consumer reports ( XXXX, XXXX, XXXX ) .I disputed this account with all 3 consumer reporting agenciesXXXX deleted the account, XXXX and XXXX XXXX to furnish the data.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that credit card companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to American Express on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the credit card company lawfully had to respond to me.So they are way past the the 30 day markXXXXAmerican Express is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the comsumer report.I have attached all correspondence below.XXXX  account # XXXX XXXX account # XXXXAlso on each report American Express has 2 different addresses.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$530.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.