23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.
Product: Credit card or prepaid card

I filed a complaint with the CFPB ( # XXXX ) against Capital One. Capital One 's " response '' was another form letter showing that my earlier letters were not even read.
Product: Credit card or prepaid card

I was shipping for a mattress with XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX. 
Was going to go on with the purchase but change my mind. Nevertheless they processed my information and charge a credit card {$3200.00}. I received TD bank XXXX which I havent authorizes .Seller refuses to do anything about it.. Bank refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was an AMEX credit card holder in good standing for 30+ years, yet when I tried to cancel my card, American Express engaged in abusive, unethical practices, first by making it very hard to close my account & then refusing to stop payment on standing orders. The following is a summary of what has transpired : I tried to cancel my card at about the end of XXXX, XXXX but I was kept on the phone for more than hour, shunted from one agent to another on the pretext that each was involved in a different aspect of the cancelation process. I agreed to think the matter over just to get off the phone but was ensured that if I decided to cancel my card I would not have to go through the rigamarole as I had already completed the necessary steps in the process. I called to cancel my card on XX/XX/XXXX & I was kept on the phone again for over an hour & my card was canceled only after I said I would hang up & file a complaint against the company. I was assured that standing payments would also be canceled, but they continued. I paid two further such payments but told the company that I would pay no further standing orders. I received a letter from the company on XX/XX/XXXX informing me that automatic payments will continue as long as I am enrolled in autopay. I have not enrolled in any such payments to my knowledge, and when I attempted to cancel autopay online with my bank, no autopayments were listed. ( I am attaching the letter I received from American Express ). I have tried everything to make American Express stop payments on charges which I do NOT want paid, but they continue making payments doubtless so that they can collect a fee. I will not make any further payments to American Express as I have made my intention to terminate any contractual agreement with the company repeatedly clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also State a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for only purpose.
Product: Credit reporting or other personal consumer reports

Prior to moving to into my new home I was at a grocery store in XXXX Indiana where I lost my wallet that contained my drivers licese social security card and other identifying information and someone found it and used my information to open up several fraudulent accounts such as auto loans, motrgage accounts, credit card accounts, personal loans, and more. I would like for this informaiton to be removed from my credit report as soon as possible. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an invalid Discover account from my credit report and from Discover Banks records. I opened a Discover account between XXXX XXXX XXXX when I was a minor, born on XX/XX/year>. As I was underage at the time, the contract for this account should be considered invalid. 

I have contacted both Discover and XXXX to dispute this issue, but they have not taken action to resolve it. Meanwhile, XXXX and XXXX have already removed this account from my credit report.
Product: Checking or savings account

Hello, Filing a complaint on this bank, harassment from then day and night. Goodmoring, this problem is with XXXX XXXX call are being rolled over from city from state of Ohio XXXX and and I have told the customer service department that I went to the bank brand manager, and customer service teller about problem call that I 'll getting at XXXX XXXX and through day even up to XXXX XXXX at night. The bank told they do not call you like that.but a call come from them.after you tell you talk to your brand it should have stop.and they would contact the department ask them to stop calling now we no the problem is someone have use my card with my permission.and my credit card .And it also need it mos fee pay of {$30.00} I want the bank in person and talk to them face to face.again I was told do not worry about it.this was brand XXXX XXXX XXXX area.yes I did take care of the matter.for the last three mos this problem start with call after call morning XXXX XXXX, XXXX, XXXX XXXX unlit XXXX clock at night all day on the weekend.I have there number,XXXX/XXXX ( XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX Now the reception on was this morning XXXX-XX/XX/XXXXXX/XX/XXXX,  at XXXX, again at XXXX, again at XXXX, The same number, from XXXX then at XXXX clock XXXX I told the operation that please stop calling me because I already talk to the bank about the matter and the bank said there is no problem with my account. She have a smart month.the are going to keep coming unlit it taking care of.night and day.7 day of week if I like it or not.I ask her do n't she try checking with the department and calling bank brand.them hang up.I also told thems I have identify theft. It is on with the bank.At this time I have no other choice but to filed this on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the two other bureaus. Transunion refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from Transunion doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In XX/XX/2021, I mailed a check to pay off my Citi XXXX card in the amount of $ 3000+ dollars. 

The check was applied to my Citi Financial card. Then Citi XXXX added another {$3000.00} to my Citi XXXX 's current balance. 

This error caused my Citi XXXX Account to become over the credit limit, and caused XXXX late payments ( XXXX and XX/XX/2021 ). After this error, my credit score went from over XXXX ( I have never been late on anything ) to a XXXX. 

Eventually, after about 7 months and numerous calls the error was corrected and the payment was applied to the right account, but the XXXX late payments that were reflected on my credit report were not fixed. 

Thus causing my credit score to plument, the closing of other credit cards and the lowering of my credit limit. I have called and called. Filed a complaint with the attorney generals office and to my avail nothing has changed. 

I am a XXXX XXXX XXXX United States XXXX XXXX. I am so disappointed with how my credit has been handled and the disregard for Citi XXXX efforts to correct their error on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted ford to remove payment that were late due to me going homeless in 2017 I am XXXX and these payment histories are affecting my ability to qualify for a mortogage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home mortgage, serviced by  XXXX , was sold to  Nationstar i n  XXXX . Yesterday I received a letter from  Nationstar stat ing my home insurance coverage had expired and that they had started charging me for home insurance unless/until I provided them with proof of something else. In the past 21 years I have never had home insurance expire, have never had any coverage lapse for any reason. In fact, I verified with  XXXX  the policy that is in effect is reflected in their records and they told me this information was passed t o Nationstar. I believe Nationstar is   engaging in fraudulent business activity by knowlingly mis-representing the status of insurance when it buys mortgage servicing rights from another institution. The reason they are doing this is they are then forcing an insurance policy on the borrower, and that insurance is fro m one of t heir subsidiaries and from which they realize financial gain. Although I have contacte d Nationstar, and  also had my insurance agent send confirmation of coverage to them, I am awaiting my next statement to determine if I have been charged for any interim policy premiums.     I believe the CFPB should take a look at the business practic es of Nationstar and I think it will find violations of current federal law and regulations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and list of Inquiries 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 item 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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

There is a collection on my  XXXX ,  XXXX ,   XXXX   of {$250.00} that was paid in full around  2009 .
Product: Credit card

Someone tried to open a Sephora credit card in my name. Had issues with bank accounts being opened and someone tried to open a XXXX XXXX XXXX this year. They use my email, name, DOB and SS. They use my Dads address. They sent him a letter saying it was declined because my credit is locked. I alway keep my credit locked because of all the issues.
Product: Mortgage

We entered into a forbearance plan last year that SPS was offering due to covid. We made some payments during the plan but owe XXXX dollars. We applied for help in XXXX of this year and submitted all the documents they requested. On XX/XX/XXXX we recieved a letter of denial for all there programs. I'm not sure what to do now. I was under the understanding they were going to help people at the end of the forbearance to get back on track. What is the purpose if your expecting full payment of all money at the end of a forbearance. How is this helpful. I thought this was helpful of the company, but in the end I could lose my home of almost 24 years. You can't speak to anyone in authority. I've asked for a supervisor or manager while going through this process and was told they were looking at the paperwork but I never spoke to anyone other than the people that answer the phones. They just say they don't make the decisions. Please help me figure this out. I don't want to lose my home. I could try to make a larger then normal payment but I don't know if it would help in the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same. 

This account was also closed by the grantor and then reopened with the same account number without my permission and is now showing as a new account that I did not authorize and is reporting new account history. This account was opened in XXXX of XXXX and is now reporting a new date of XX/XX/XXXX. I did not authorize this company to open a new account on my behalf and if this account is going to report on my credit profile it needs to report accurately. I wanted this corrected immediately or I do plan to pursue litigation based on laws provided by the FCRA. 

XXXX XXXX Account XXXX This accounts payment history details are being reported inaccurately. I have never been late on this account. I have also attached a copy of my consumer report from another agency with highlighted proof where the information was corrected and updated. I am asking that you all do the same.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Charge off