23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX Mortgage, Account number XXXX Type of disputed information : Falsely reported past due of XXXX days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o XXXX XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( XXXX  XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's XXXX XXXX ( XXXX ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for XXXX years, and have my mortgage with them. The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.
Product: Debt collection

XXXX and an ex-family member received a phone call from the following number : XXXX from a XXXX XXXX. The woman will not tell me the name of the company she is with and continues to threaten to have me arrested. When I told her I was going to file a complaint against them and she needed to tell me the company name, she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to be removed
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was disappointed because I don't know why inaccurate accounts are showing up. Please kindly check the documents I've sent regarding this.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Student loan

I have my private loans consolidated to the lowest amount that Sallie Mae, the lending service that issued my private loans for school, however it is still an amount that I can not sustain with the job I have now. The amount that I pay each month is solely to pay off the interest ; none of my payments go toward the balance that I owe. This, along with paying rent for my apartment ( which is a lower amount than I owe Sallie Mae ), has become unsustainable financially. I pay {$740.00} a month to Sallie Mae. My rent is {$700.00}. I have to work XXXX XXXX XXXX  jobs that are hardly above XXXX XXXX  in my state to keep lenders from badgering my co-signer. I would like to know if it is possible to lower the amount I owe Sallie Mae each month. The loans have already gone through a period of forbearance and according to them, through direct conversation, this is the lowest they can bring the total down. It is not enough when taking into my financial limitations.
Product: Vehicle loan or lease

this debt is not mine this account was my x husband and this was his account I'm not the main signer on the account and we are now divorced after 7 years this is his account not mine and I have documentation and have proven this time and time again they took it off once and its back on again. this needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant really give you specific dates because this is been going on almost 20 years or more I can not get a home loan because of all of the incorrect student loan data its all on my credit report I am homeless at this time and I need help
Product: Debt collection

I was contacted by phone at my work place on XXXX/XXXX/XX/XX/2015 by AppleRecovery attempting to collect on debt I do not owe. The call was very threatening in nature, and I was told this debt was not covered under my bankruptcy. They also sent a debt collection letter to my home address dated XXXX/XXXX/XX/XX/2015 trying to collect the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I visited the Transunion website to check my credit score and report. I've never done so before so I thought the service would be free. In addition, I don't recall entering any credit card information or seeing any warnings that I would be charged for a service. On XX/XX/XXXX, however, I noticed a charge of {$24.00} for a " subscription service '' with Transunion. I know for sure that I never would have agreed to such a price and contacted them right away. When I spoke with a representative, he said that by entering my social security number I agreed to be charged monthly. 
Obviously this is incredibly misleading at best because the website asks for your social security number on the very first page without telling you that you will be charged.
Product: Credit card

I filed bankruptcy on XXXX. 
XX/XX/2024 ... 0n Hearing Date & Time : XX/XX/2024, at XXXX XXXX I had a meeting with my XXXX XXXX in my XXXX  XXXX case and I none of my creditors contested but in getting bills collection notices
Product: Student loan

I have been on SAVE repayment plab for over XXXX month, which I was told would have interest waived, unfortunately this has not happened, instead have been accruing nearly XXXXXXXX XXXX interest per month Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Product: Money transfer, virtual currency, or money service

I was trying to send a Zelle payment to my mother and it was accidentally sent to the wrong person. There was no confirmation section before the money was sent, so I wasnt able to catch that I was sending the money to the wrong person. I wasnt able to get the money back.
Product: Credit card or prepaid card

I paid bill due XX/XX/XXXX via online billpay with my bank on XX/XX/XXXX. I received a new bill in XX/XX/XXXX showing previous amount plus late fee and interest. I disputed charge via their online system. They said I needed to provide proof of payment. I sent a copy of the Check from my bank that was deposited on XX/XX/XXXX well before due date. I got correspondence that payment was credited but I got a new bill showing a late fee. After several attempts to correct this I am seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. Also, the information you provided on the accounts has doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Credit card

I noticed a annual fee of {$150.00} on my account and I called to ask why it was {$150.00} instead of the {$99.00} that was noted on my cardholder agreement. They said they sent a letter back in XX/XX/year> informing me of the change in the annual fee. I explained to them that I never receive any notices from them, as I am on paperless statement/notices. I went into my online account to see if there was anything there of the change and I still see the original cardholder agreement, that states the annual fee of {$99.00}. When the representative looked into the issue, she stated that there was a mistake as the notice was mailed to a different address, other than my current address which I have been at for over 3 years. She said that she apologize for the error but I told her that since I was not properly notified, they should honor the {$99.00} annual fee as listed on my agreement. She said she could not do that but she will send me the notice again. I explained that was not my fault and since it was there error, they should not bill me for the {$150.00} but she said, she could not do that and hung up.
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 U.S.C. 1681. 

XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 its 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 following items of information Any other adverse 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: Debt collection

Perhaps this was some debt incurred by someone other than myself, unsure to be exact. This is regarding a company by the name of Recovery One, supposedly opened XX/XX/XXXX. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made by myself. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. 

The new laws are very explicit regarding All Debts now especially those causing adverse effects on my life. XXXX Credit Bureau is known to not validate/accurately verify debt disputed per formal XXXX XXXXXXXX XXXX. 

Tried calling the company to handle matter but they threatened to take me to court verbally and have me detained, and wages garnished. I called to discuss this and all they did was beraid me/threaten me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of complaints : This complaint is being filed with the CFPB to request that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion block the fraudulent and inaccurate information on my credit report within 4 business days of receiving this complaint. The fraudulent accounts and inquiries on my report include a collections account from XXXX XXXX XXXX ( # # # # # # XXXX, {$260.00} ), multiple inquiries from XXXX  XXXX XXXX  XXXX  ( XXXX/2023, XXXX/2023, and XXXX/2023XX/XX/XXXX ), and accounts reported by XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), as well as a loan from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). These accounts and inquiries were not initiated by me and are the result of identity theft and fraud. I do not recognize any of these accounts, collections, or hard inquiries, and I did not open or authorize them. These fraudulent entries have resulted in unauthorized hard inquiries and collections showing on my credit report. I have attached a list of the disputed hard inquiries, as well as a copy of my consumer FICO credit report from Equifax showing the fraudulent items. I request that all of these fraudulent items be blocked from my credit report as required under the FCRA. As proof of identity theft, I have also included a copy of the FTC Identity Theft Criminal Complaint ( XXXX ), confirming that these accounts and inquiries are the result of fraud.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate consumer disputes with creditors Experian conducted " sham investigations '' instead of properly reviewing disputes Experian did not take sufficient steps to process disputes and notify consumers. 
On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for failing to properly investigate consumer disputes. The lawsuit alleges that Experian 's actions violated the Fair Credit Reporting Act ( FCRA ) and resulted in incorrect information on consumers ' credit reports. 

I never had any late payments and accounts were fraudulently opened. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX are all identity theft accounts. 
I have uploaded my passport, SS card, police report, FTC report and Experian never properly investigated these accounts. 
My account with XXXX XXXX  has never been late.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Its my understanding that TransUnion will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX  Account Number XXXX Reported on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/21 to XXXX, TransUnion, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, TransUnion, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a consumer report is a violation, according to the FCRA. 
XXXX XXXX XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries remain on my consumer report despite documented identity theft. These fraudulent entries violate federal law and have directly impacted my financial standing. I have filed reports with the FTC ( documentation attached ) confirming my victim status.
Product: Mortgage

The Santander Bank has repeatedly lied over the years to me about their practices. I recently asked to remove my escrow as my payment increased almost {$100.00} for the first time in 24 years. I was told to wait to make the payment as they were going to stop the escrow and instead of paying {$670.00} the payment would be {$370.00}. They told me to send in {$95.00} to wipe the Escrow out. I had sent in the money and did not make the payment. I called on Friday, XX/XX/XXXX and was on the phone with collections and the escrow department, talked with at least 5 different people and was told 5 different stories. After hours on the phone and complete frustration, I got nowhere. I called again Monday, XX/XX/XXXX, and also got nowhere. I talked to 2 different Supervisors and got two different answers again. The took my financial records and told me that I would eligible for a repayment plan. She said the payment would be almost {$1200.00} a month for three months. I asked is that all you can do for me since this is your fault and she got snippy with me and said, go borrow the money from your friends or a loan company or a 401 K.At that point I was at the point of tears and I hung up. XXXX XX/XX/XXXX I got another letter from the bank telling me to send in another {$95.00} and they will wipe the escrow out. I am two payments behind now because in XXXX XXXX, the did the same thing and I have never caught up. They are horrible, no one knows what they are talking about and two letters telling me to send in money and they know it can't be done, please help, it's now affecting my husbands credit score. This is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I hired XXXX XXXX, XXXX to handle both my personal and business tax returns for the XXXX tax year. We agreed upon a total fee of {$1400.00} for both returns, which I paid in full. Several months after the services were completed and my business with the firm was concluded, I unexpectedly received an invoice for an additional {$670.00} related to my personal tax return. 

I was never notified of this charge in advance or provided with any documentation outlining the additional fee. I reached out to XXXX XXXX to request proof that I had been notified of or agreed to this fee, but the firm has failed to provide any such documentation. In email correspondence dated XX/XX/XXXX, a representative of XXXX XXXX acknowledged that I had not been given prior notice of this charge. 

Despite this, XXXX XXXX escalated the matter to Bureau of Accounts Control ( BAC ), a debt collection agency, without resolving the dispute or providing the requested proof. I believe this escalation to collections without proper documentation or agreement constitutes improper debt collection practices, as I do not owe the {$670.00} in question.