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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX  Case Number : XXXX ; XXXX XXXX XXXX  XXXX Account Number : XXXX.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX because there is a charged off account of my credit report the listed account number is XXXX XXXX XXXX despite I have sent numerous times my ID theft affidavit XXXX  XXXX has refused to remove this fraudulent account off my credit report. It is not mine I have not benefited from nor did I authorize this account to be opened in my name. I have asked for their documentation and they have refused to provide any other information other than canned responses saying there is nothing they can do. I have attached my ID theft affidavit once again.
Product: Money transfer, virtual currency, or money service

I closed my business checking account with US bank and wired my money out. 

I was not told there were any fees for this. 

After the money was moved, I called and closed the account. It was closed without issue and no notice that I owed any money. 

1 month later I received a bill from US bank for a wire fee ( {$40.00} ) and wire advice mail ( {$12.00} ) totaling {$52.00}. 

I called US Bank to ask about the fees and why they weren't disclosed prior to closing the account. If I had known, I would have done an ACH. 

They told me the wire fee is standard and the wire advice mail was the cost for mailing me a letter to say I had done a wire. Note this is after the account had been closed. Also the fact that US Bank is charging {$12.00} to mail a letter that could be sent electronically is a joke. The mailing letter fee is a total junk fee that I never consented to. 

All fees need to be disclosed prior to closing.
Product: Debt collection

I received the attached letter on XX/XX/2020 from the said company ( XXXX XXXX XXXX ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as Pinnacle Credit Services , LLC.
Product: Student loan

On XX/XX/18 I was alerted to a change in my credit score, and that I now have two collection accounts showing on my credit by a company called XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX TX XXXX. ( XXXX ) XXXX ). These accounts are current, and not delinquent or in default in any way. 

The accounts in question are paid and serviced through a company called XXXX XXXX. 
I contacted XXXX, and they instructed me to contact XXXX XXXX, claiming that XXXX is reporting the status of the debt to them erroneously. After speaking with XXXX, it was clear to me that XXXX can not do anything about the reporting of the account, and that they had been dealing with calls all day from other clients regarding this same issue. XXXX is the company reporting to the credit agencies, so they have to fix the problem. 

According to the management at XXXX, XXXX is a collections agency, as well as a company that apparently owns debt that is current. However, because they are a collections agency, when they report debt that they own, it shows up as a collections account. Obviously, this can not continue. Further attempts to contact XXXX for resolution have gone nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The BK OF AMER account is incorrectly and fallaciously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and erase it from my personal credit file.
Product: Credit reporting

Disputed account is well beyond the 7 year statute of limitation for being on a credit report but still remains.
Product: Debt collection

This company has continually reported these debts on my credit report. I have spoken with them and sent letters in which I stated to them this is the debt of my ex wife. Oklahoma is not a community state so therefore her debts are hers. She was never on my insurance and I did n't even live in the state at the time of this bill or years before that. They said I am past the 30 days of disputing this debt, however this debt was never sent to me before it went to collections or on my credit report otherwise, I would have disputed it then.
Product: Mortgage

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Wells Fargo Bank for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 

We have called Wells Fargo Bank on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXXXXXX Balance Owed : {$52000.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}, XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Today XX/XX/year> at XXXX I deposited an amount of {$2000.00} into my robinhood account. I purchased a cryptocurrency and attempted to transfer it than robinhood restricted my account and now I cant withdraw anything or transfer. They failed to give me a reason for the restriction nor provide me with any means to get the restriction lifted only stating that there team would look at it by XX/XX/XXXX. Im not extremely concerned about my money and whether or not it is secure with this company. I will persue legal action if this is not resolved.
Product: Checking or savings account

I received a message on XXXX of a XXXX XXXX XXXX  and she contacted me regarding a post I made on XXXX. She said if I wanted a mural of that post and I said yes. To do so I had to give her my username and password of my bank account and she said that I could trust her because one of the people she did it to also trusted her. I gave it to her and she deposited numerous checks to my account. The next day my checking account was in overdraft and I told her what she did and she denied that she had any part in that. She told me to buy her an XXXX gift card with an amount of {$500.00}. I knew something was off since the XXXX gift cards are only used for purchases of XXXX products. I didnt buy the gift card. She said that she could fix my overdraft account problem by depositing {$4000.00} in the checking account I have but only by giving her my debit card number. I didnt trust her so I decided to block her and since then she has been blocked. After that I have contacted my bank and they said that they were going to investigate further. I decided to call today because I got an email saying that my new account was locked due to suspicious activity. They said that since there was a bounced check in my old checking account the department team that deals with these cases they decided that my relationship with the bank would be terminated. I asked them about the balance of my closed checking account and they said that it was in XXXX  but when I called last week they said that I did have a balance and it would be sent to my mailing address through a cashiers check in 3-5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

We received a loan in 2019 through a company to replace our XXXX and was told the loan was for 7 years. And the loan was for $ XXXX they are now telling me that the loan term is for 10 years and since 2019 we still owe {$6100.00} dollars in the loan they are ripping us off
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 rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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

On XX/XX/2023 I went to purchase an XXXX ticket, and I was going to inquire about a credit card. I never submitted the application yet received two separate credit cards in the mail. I called to get them canceled & inform them about this issue. They said even though the website was having issues & kept refreshing they couldnt do anything about it. I was told to contact this resource for help.
Product: Debt collection

Synchrony Bank contacted a relative today, XX/XX/2019 and disclosed to my relative what company they represented, the fact that my debt was past due, how many months my debt was past due, and the exact amount of my debt. Synchrony Bank did this despite having my valid address and contact phone number. I provided them with this information in XXXX of this year when I filed a formal complaint with them for unnecessarily charging off my account. They have never contacted me regarding my complaint from XXXX.
Product: Mortgage

In XX/XX/2024 I applied for and received a XXXX citizen exemption from the county for our real estate taxes. I received a new tax statement reflecting the new annual tax amount, almost half of what it was before the exemption. I called Mr Cooper and they gave me an address to send the statement. Shortly thereafter I received an escrow analysis showing the new loan payment, a reduction of about {$300.00} per month. I also received a check for almost {$800.00} as an escrow surplus. So far so good. Then around the first of XXXX I received another escrow analysis showing an escrow shortage of over {$900.00} and increasing our payment by about {$300.00} effective XX/XX/XXXX. In examining the analysis I saw that Mr Cooper pad the XXXX  exemption tax rather than the lower XXXX exemption. Our XXXX XXXX website showed an overpayment of about {$920.00} and a refund for that amount. Contacting Mr Cooper I was told that they could do nothing until they received the refund and they expected the refund to be received XX/XX/XXXX, which would force me to pay the higher amount for XXXX. I contacted our county assessors office and was told the refund had been sent XX/XX/XXXX, so Mr Cooper already has it. My refund was part of a check for ver {$400000.00} refunding overpayments to other XXXX XXXX borrowers! Mr Cooper still says they dont have the refund and are doing nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/2024. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXXXXXX XXXX  account # XXXX,
Product: Prepaid card

I tried using the card at XXXX to make a purchase. When I had tried using it it stated that the card declined. Went online to " register the card '' and again it was declined. Called customer service and they advised that since the card was gifted a year ago I needed to fax them a copy of my ID, my social security number and a copy of the card. The number seemed foreign and I didn't want to do that. They said that was the only way that they can " investigate '' and see if they can reissue me a new one. 
I received this card as a gift for XXXX and we are not able to use it and it has an expiration of XX/XX/year> on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XX/XX/XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX XXXX in my eyes for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Product: Credit reporting or other personal consumer reports

When attempting to log in, all three of the email addresses I have held for over a decade are somehow in use. When attempting to recover the accounts, the recovery methods provided are none that I have or recognize ( such as email addresses, phone numbers, etc ).

One of my email address recovery methods includes " authenticator ''. I've never set up authenticator with this company and it didn't exist when I created the email address. 

I am therefore, permanently locked out of any way to log in to this company 's website.
Product: Prepaid card

I had a prepaid American Express Serve card, and when I called in for help on XXXX/XXXX/2015 for assistance with adding funds, they closed my account. I had {$290.00} in cash on the card. They will not give me any information and will not give me my money back. They said I violated the terms of my agreement.? I am not aware calling in for help for a violation. They claim there was suspicious activity on my card. If they 're protecting me, I 'm concerned they will not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX  back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT
Product: Credit card or prepaid card

A company I hired to correct information on-line never corrected it and kept charging me their monthly fee after I canceled service. It took them 8 month to eventually prosses the cancellation only after I have to close the card to stop them from charging it. 

on XX/XX/XXXX they charged {$1800.00} and on XX/XX/XXXX {$250.00} and even after they closed the account they charged {$770.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world