23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, I am trying to repair my credit. I called XXXX XXXX. XXXX. Their phone number is XXXX, this is where I am being mislead and feel lied to. The recording states that you can pay by phone. I had changed my due date ( origional ) to the XXXX of the month. I received my first bill. I called to pay on XXXX/XXXX/15, thru my checking account. NOW I AM being told that there is a {$10.00} FEE to pay over the phone. They waived my first {$10.00} payment -- -I stated that the recording they play does not DEMAND ANY Mandatory FEE! Statement on phone says that you can pay {$10.00} -- IF YOU WANT your money 5 days earlier. I DO NOT!! I JUST WANTED TO PAY BY PHONE ON THE XXXX OF THE MONTH AND MY PAYMENT WOULD NOT BE LATE!!! OOOOOHHH NOOOO!!! XXXX states that if calling in by phone you will be charged {$10.00} even if you do not want your money available 5 days earlier. XXXX which I do not need ). 
I have asked to have my payment date changed back to its original date of XXXX or XXXX of the month. They will not change my payment date back -- -even though I EXPLAINED that their recording does NOT say MANDATORY {$10.00} charge to call in payments. I have closed my account due to the LIES and MISINFORMATION given initially -- -or I would not have accepted this card!! Their telephone number is XXXX, so that you may listen to recording -- -- LISTEN for mandatory payment of {$10.00}??? IT IS NOT THERE!!! They do not care ... I pay plus {$10.00} ... so my money is available 5 days earlier ... I do not want any money available 5 days earlier ... AND RECORDING DOES NOT STATE MANDATORY!!! Basically " too bad for you thats what it means. " -creditonebank-states! 
I am asking that you listen to the recording and check to see if you understand their recording and that you hear " MANDATORY '' ANYWHERE IN THAT MESSAGE??? I called them liars because that {$10.00} is NOT mandatory!! I also cancelled account because I DO NOT WANT TO TRY AND COPE WITH ANY LIARS!!! 
I feel they should write-off this account for the misinformation which started before I even received the card. I would NEVER have accepted this card if I had known they make up their own RULES as they go on. XXXX should XXXX BALANCE my account since it is all incorrect from the very BEGINNING!!! 
I have tried to change to later date but this is unacceptable to them and they will not change it back ... .continuing to tell me that the {$10.00} is a MANDATORY FEE!!! LIARS!!!!! Please listen to message and let me know how you feel?? I feel lied to and mislead, while my only intention is trying to improve my credit scores. -Customer service : XXXX. Misleading recording and information from agents ... .until trying to make my first payment -- IT IS A MANDATORY FEE!!! RECORDING SAYS NOOO SUCH THING!! 
I thank you in advance for any and all help you might be able to help me with this " mandatory '' problem!!!
Product: Debt collection

The credit bureau AND American Express or not reporting the correct balance on my credit report. It needs to be {$0.00} balance but every time I dispute with the 3 credit bureau they tell me to call American Express and ask to report. American Express still says there is a block and there is NOT. I really need for my credit to reflect the accurate balance. As American Express has already confirm the account balance is {$0.00} but not reporting it accurately.
Product: Debt collection

On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''
Product: Debt collection

XXXX, XXXX and XXXX placed a lien on my name and in the past suspended my drivers license due to alleged debt for automobile accident that they stated was my fault. They are also applying interest to this debt. On XX/XX/year> I requested any documentation supporting this alleged debt including the breakdown of all costs that are allegedly owed. I have not received all of the requested information. I would like the information on debt validation ( proof of debt, including a breakdown of the amount, interest, fees and original agreement ), documentation for all legal filings, including judgement and XXXX  notice.
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted Equifax, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.
Product: Checking or savings account

I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  ( account number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian many times to remove the Fraud Protection from my account and also remove the addresses that belong to my son XXXX XXXX XXXX from my account and to date nothing has been done. Because of this our credit reports continue to get combined and causing us both a very hard time. 

Please remove any and all addresses from my report except XXXX XXXX XXXX XXXX PA XXXX. 
Please remove the Fraud Protection Alert from my profile as i am having a hard time obtaining credit. 
The correct information has been added to the other credit bureaus and reports correctly. 
Correct these issues immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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 1861c ( 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 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

There is a XXXX late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/2023, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this XXXX late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60days ago to this bureau and they are disregarding a regular consumers dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a damaging affect on my credit report and score.
Product: Debt collection

This is now the third collection agency this debt has been sold to. This is for an apartment complex that I have never been a tenant of. I've had to provide police reports of Identity Theft to the two previous agencies however this one did not send me papers in the mail to have the ability to dispute. This is not a valid debt of mine. Frankly I do not have any debt. I have attempted to reach out to the orginal apartment complex yet again however they have changed their name for the second time and have been unccessful. I am seeking to have this debt to remove from my credit report prior to seeking legal counsel on the apartment management company and this debt collection agency- QUALIA COLLECTION SERVICE
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : 73 Please remove it from my credit report.

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : 24 Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX Account Number : XXXX Delete this account.
Product: Student loan

I paid off my loan of {$2300.00} back in XXXX XXXX XXXX and it was all paid off, but once they transferred to a new website they claimed I never repaid the loan. I had no idea that they made this mistake until they started to send me emails telling me to start a monthly payment of {$50.00} to repay it, but I shouldn't have to because it should be paid off. I've tried to reach them by email but they never got back to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was defrauded electronically by a loan agency. My bank, Truist, caught the fraud before I did but chose to not only hold me liable for the {$5000.00} of funds defrauded from me that left my account negative but also locked my account but acceoted two seperate direct deposits from my employer before permanently terminating my account and then trued to extort the funds from me under threat of reporting me to credit agencies. I now have no access to any banking services from any institution and my credit report is severly blemished for a fraud that was committed against me with my babks full knowledge. I feel I am being victimized twice in this incident.
Product: Credit reporting

Had a foreclosure on a property in XX/XX/XXXX which included my XXXX and XXXX with XXXX XXXX XXXX. We were released from any further action or collection at that time from the relief issued at that time to mortgage holders. The house was sold and they recouped almost all of their money. Either way the accounts should have been marked as foreclosure and stopped reporting. Then XXXX XXXX XXXX started trying to collect on the XXXX mortgage even though the lien was released and they were done collecting supposedly. To date they are still reporting on credit, as a Mortgage account which it can not be because the house was given XX/XX/XXXX yet Experian is still showing it as 120 days late as of XX/XX/XXXX and has been reporting it this way and ruining my credit since XX/XX/XXXX. I have challenged it with Experian and they have verified that is reporting properly, I have asked for the note that shows I still owe it if the property is foreclosed on and they will not respond or produce any validation information. Then they transfered it to a company name XXXX that has also been trying to collect it from me and we have even tried to pay them to get it to go away. Either way the are both reporting at the same time n my credit, I dont owe and shouldnt owe either of them and they are hurting my credit and I am unable to get any relief after disputing the misreporting with Experian and XXXX for XXXX and then again Experian for XXXX XXXX XXXX. I have read about my rights and this is a clear violation of FCRA and they are liable for hurting my credit and keeping me from reestablishing my credit and buying a home. Please help enforce this and keep them from hurting my credit any longer. I have uploaded the most recent credit report from the mortgage company that said I dont qualify and only because of these reporting accounts. I have also attached the response from Experian. I tried to challenge them again asking for validation and they sent me a notice saying I can dispute any longer as well. I have attached that as well. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?
Product: Debt collection

I moved out of XXXX XXXX XXXX around XX/XX/XXXX. I cleared everything out, I gave them my XXXX XXXX XXXX XXXX and told them I was leaving due to those orders. I was paid up on my rent. I moved out and they sent me another bill because they said I needed 30 days advance when I gave them a copy of orders. I refuse to pay that rent because I was not living there, I had nothing there, no utilities there. As a result based on what I have been told and it has been almost 2 years now and I have no proof of the debt. A debt that apparently includes multiple late fees, a rent charge, damages, and an early termination fee. Knowing how I left that apartment the only charge for that final bill should have been for the carpet damage that I do acknowledge that my cats at the time had damaged. This is all been handled in my opinion very illegally and violated my rights as a service member and broke a clause in my lease for the " early termination '' due to orders. I have asked for a debt validation letter from the first company they sent to me and I never received it and as XX/XX/XXXX another collection company called me about the same debt and said I had one day to pay the full debt of around {$2100.00}. I'm not touching this debt until they fix their mistakes and I will be more than happy to court over this situation if that is needed.
Product: Mortgage

I am a first-time new homeowner and have a conventional XXXX-year mortgage along with taxes escrow with Loan Care LLC company XXXX I got a property tax bill that I sent the mortgage company to pay from my escrow account but it was never paid. I emailed the mortgage company and even called them on the phone two months in advance but I was told that I will be only be paid as it gets closer to the due date. Now I have to a penalty and additional due for no mistake of mine. I am trying to contact my county officials to help me resolve this. 

Please help me and guide me on this issue. 

Thank you.
Product: Credit card or prepaid card

On XX/XX/2022, I was approved for a store credit card with three furniture companies ( XXXX, XXXX, and XXXX XXXX ). All three credit cards are unwritten by Synchrony Bank. However, because I applied for three cards and approve on the same day, it trigger a fraud alert. Synchrony had required I provide : a copy of my driver 's license, utility bill, and a copy of the lease ( which I did - five times ). After receiving my documentation, they closed all three accounts and refused to reopen them. I contacted their corporate office, and no specific reason was given. It should be noted that I gave away all my furniture the day after I was approved for these credit cards because I was going to buy new furniture for a home I just purchased. Now I don't have any furniture because of this issue. Because Synchrony Bank backs these furniture companies, I can not apply for a store credit card.