23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied at XXXX XXXX  for funding for my needed dental repairs and was approved for {$5000.00} with American First Financial with a down payment due of {$75.00} that day. I signed an agreement to pay bi-weekly payments of {$160.00} until the total amount was paid off in full with the benefit of not having to pay the finance charge if paid in full by XX/XX/year>. I was informed on XX/XX/XXXX that American First Financial automatically withdrew {$1900.00} on XX/XX/year>, from the previously approved {$5000.00} funding of which I had been making on-time payments to bringing my new financed amount to {$3000.00}. American First Finance continues to attempt to collect a finance charge from the {$5000.00} amount financed even though I did not finance {$5000.00} from them and we have proof that I factually only financed {$3000.00}. They have threatened to add their finance charge of an additional {$1300.00} to my remaining balance of {$1800.00} if it is not paid in full as of XX/XX/year>XXXX  and refuse to acknowledge the need to update the finance charge amount which is not accurate according to what I actually financed and what they took back on XX/XX/year>. You can not finance out money, take it back, and still fraudulently charge on top of that money what I did not factually finance from you. I did not use the money because they took it! I still needed the funding and my teeth are still missing with work scheduled to be completed on XX/XX/year>XXXX  which is why I needed the funding still.
Product: Credit reporting or other personal consumer reports

Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.
Product: Mortgage

This is an existing claim number XXXX. I was charged {$1000.00} to get a loan modification from Litton Loan servicing and I had to short sale the property losing.
Product: Debt collection

I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX  also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. 

After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX  / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX  / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. 

To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.
Product: Debt collection

Hello, I have reached out to transworld systems regarding this debt and my request for validation they removed the debt from my report and than placed it back on there with no valdiation of the debt. I need someone to send me validation of this debt within the FCRA timeframe
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resolution that they get mine facts right and supposed to write information about me if they going to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$210.00}.
Product: Money transfer, virtual currency, or money service

Purchased glasses from a XXXX company ( XXXX XXXX XXXX ) through PayPal. Started a dispute with them in XXXX through my bank to get money back being that it was debited from a wrong account. When I received glasses from XXXX from XXXX the lenses was not made properly and was told by XXXX to break glasses and send pictures if smashed glasses. I did. Still have not received refund from XXXX or PayPal and has been three months. Every time I call Paypal get a different response with nthing happening. I have smashed glasses and no money refund from either XXXX or PayPal.
Product: Credit reporting or other personal consumer reports

A CBNA/Best Buy account ( Account # : XXXX ) was fraudulently opened or taken over. I submitted a dispute with photo ID, proof of address, and XXXX police reports ( XXXX for the fraud, and XXXX for the lost bag connected to this identity theft ). I believe I was a victim of account takeover where someone accessed the account and accepted the charges without my permission. They failed to conduct a proper reinvestigation under FCRA 1681s-2 ( b ). Reporting this account without full verification violates FCRA and case law XXXX XXXX XXXX XXXX XXXX. I demand permanent deletion of this account not just closure and confirmation that it can not be reopened or re-reported. The balance must be restored to zero and fully removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have a critical issue going on dealing with Equifax. There are collection accounts noted on my account that are included in the documentation that I will upload that don't belong to me in which I filed an FTC report for. The information was removed across all 3 bureaus however, it has been 45 days since it was removed from equifax and they have sent me the conclusion of this information that it was removed from my report with my credit report. However, on XX/XX/XXXX recently these items appeared back on my report with no explanation or why these accounts are on my report which is a violation of numerous 15 USC Laws and FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XXXXXXXX XXXX XXXX XXXX put a collection on my account for the amouth of {$160.00} for a membership. When I called & canceled the membership. They are stating they have no evidence of me calling when in fact i did. I reached out to Experian to get this removed from my report it has now been 60 days and it is still showing on my account. This is harming my credit report in so many ways.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One abused the fact that I wanted a unsecure credit card by placing XXXX hard inquiries on my report between XXXX XXXX XXXX
Product: Credit card

I am XXXX yrs old, we ( my wife and I ) were in California to help our daughter and son in law with their new baby, our first grandchild. on XX/XX/XXXX my minimum payment was paid on time, the next day I realized I missed full payment so I called and paid the balance due. 
I was charged interest which was fine since I missed by one day paying in full. 
The next month was a problem because I paid minimum on XX/XX/XXXX and also paid full balance XX/XX/XXXX the due date. Citibank charged me interest, I called and complained to supervisor who contends the were in within their rights to charge me interest in a month where all charges were paid in full and on time. 
I have been an tax accountant, auditor and finance consultant my whole life and have never run into a situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name open sky also known has capital bank has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations
Product: Debt collection

The guy that called pretended to be some type of law enforcement and tried to scare me into paying a debt that he couldnt give me detailed information on. He couldnt give me a source of where the debt originally came from and just kept saying credit card then continued to say would you like to make a payment today or you could face jail time, wage garnishment, or even lose your house. I dont understand how a credit collector can threaten people like that! I am a single mother, I lost my job when Covid hit and I have a sick child that requires me to be home with him a lot so its impossible for me to work right now. The last thing I need is a credit collection bully calling multiple time per week threatening me. Note : I am also registered on the do not call registry
Product: Debt collection

A review of my credit report revealed unauthorized accounts. I request immediate action to block and remove these fraudulent entries.
Product: Credit reporting or other personal consumer reports

I seen some things on my consumer report that are not being reported correctly. I sent a letter to the bureaus and received no response. I am a protected consumer according the FCRA. I will be including the original letter sent to the bureaus, my credit report, and IRS 1099C forms. Here 's the violations in question : 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report 15 U.S. Code & 1666B Timing of Payments 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also according to 15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) Consumer Report section ( 2 ) Exclusions ( i ) - report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

I had problems during closing that have still not been corrected as the settlement docs were missing the escrow amount and I have called the original Mortgage person several times XXXX XXXX when I finally got thru to him he sent me to XXXX XXXX who promised to fix this. 1st email from him below XXXX XXXX, I just left you a voicemail regarding your escrow account. I apologize for the mistake and am working with our servicing department to have an escrow account set up for you. Ive attached a copy of the payment letter and escrow disclosure. Due to our error we will be covering the XXXX starting balance for your escrow account. If possible, could you please sign the attached documents and return to me? Please let me know if you have any further questions or concerns. 

Thanks, XXXX XXXX XXXX. XXXX  XXXX 2nd email Would you be able to sign and date these 2 as well? Then thanked me for signing documents I have attached my attempts to follow up with XXXX he finally asked me to call my self not really knowing what or who I was calling I made several attempts get passed to this number then that number I eventually gave up. Several months later I go to make my payment and it is now XXXX a month. I again start trying to call to address with no success. I am fine paying to get my escrow caught up its been about 3 mos now that I have been paying that amount and I am getting concerned that it is going to stay at that amount which is XXXX more than it was when I refinanced for a lower amount in which case I am paying all those fees and whatever else you charge for refinancing for nothing. With the current economy and inflation, gas prices all this planning I did to protect myself should these events occurred ended up costing me more money I am going to start filing any and every complaint against this company until this gets rectified and going thru my documents to do this I saw your email and was hoping 1 last try with the company would work out. I not sure of your position with the company but I feel like the only time I get any where with talking to anyone in this company is if my payment Is late. 

1st payment letter XX/XX/2021 Principal and Interest {$690.00} Homeowner 's Insurance {$43.00} Mortgage Insurance $ Property Taxes $ COUNTY PROPERTY TAXES A {$37.00} SCHOOL TAX A {$150.00} Other : $ TOTAL PAYMENT : {$930.00} -- this is what I'm actually paying XXXX and this is what my payment was prior to refinancing XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

A collection agency ( Genesis Credit Management ) is trying to collect a debt for XXXX XXXX ( XXXX XXXX XXXX ) that I did not owe. XXXX self reported to both XXXX and XXXX credit bureau that as of XX/XX/year> my account was paid in full/zero balance and closed in good standing. I have spoke with the collection agency, sent them all the information I have showing where XXXX XXXX reported my closed account paid in full and was told I still owed the debt. Genesis took over the debt from XXXX on XXXX XXXX XXXX  but XXXX reported to XXXX and XXXX that mt account was paid in full and closed as of XXXX XXXX XXXX. That should be enough proof for Genesis to take this collections off XXXX and XXXX ( Although XXXX shows the account is now closed, but is still on the XXXX credit report ). 

XXXXXXXX XXXX changed the fee they were charging me initially. They were first charging me for not giving 60 day notice, which I did, so they changed the fee to a reletting fee because I moved out XX/XX/scrub>XXXX XXXX XXXX  and my lease went until XXXX XXXX XXXX. I put in the 60 day notice I would not be renewing my lease and when I turned my key in on XXXX XXXX XXXX and was told I would get my final bill within 30 days. I fully expected to get a bill for the remainder of my rent for XXXX, water, trash, etc and was going to pay what I owed, but not paying a reletting fee of {$1800.00} because I turned my keys in 9 days early, that makes no sense other than XXXX maliciously trying to deceive me out of {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX  XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.