23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX I am writing in regards to some discrepancies I noticed on some of the accounts on my credit report from Equifax. I have asked Equifax to investigate these accounts and have not received any investigation results or changes. I have sent a letter XX/XX/2022 and another XX/XX/2022 and no response. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  - Originally XXXX  XXXX  Account XXXX XXXX XXXX This inaccurate information on my credit report has been effecting me and would like it removed. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a new home for my family. Please remove the fraudulent accounts from my credit report immediately
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Mortgage

We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.
Product: Credit reporting or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

A collection has been put on my acct from AIdous and Associates have no knowledge of this acct nor did I receive anything for this debt to be validated I have never even been to a XXXX XXXX  this needs to be removed ASAP. I have worked hard to get my credit together after al the isnt thwft and refuse to allow something fraudulent on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Dear Credence resource management, This letter constitutes my formal request for validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Your company has failed to prove this debt belongs to me. I requested on XXXX and XX/XX/year> to provide the following : The amount of the debt : including any breakdown of principal, interest, fees, and other charges. The name of the original creditor : to whom the debt is owed. Proof of the debt : including copies of any contracts, agreements, itemized bill, sale of bill and other documents that establish my legal obligation to pay this debt. 
The name and address of the original creditor : if different from the current creditor. Please note that this is a request for validation, not verification. I dispute the validity of this debt and am requesting proof that I am indeed the party responsible for this debt and that there is a legally binding obligation for me to pay it. Until you provide me with the requested validation. What I revecied was a one page letter with XXXX logo on it with the amount of {$800.00}. and. I contacted a XXXX and requested the same information and itemized bill they said they had no information in regards to my request. Based on your unresponsive action, this request constitutes a valid dispute. Therefore, all reporting shall be moved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing requested a baloon payment in XX/XX/2021 of my HELOC 2nd mortgage without any notice of this action before nor after this date. I was still in Bankruptcy during this time and I was continuing payment on the interest-only monthly payment per agreement on this HELOC. When my BK was discharged in XX/XX/2021, I found out SLS reported a late payment on the same month as a result of the baloon payment requested in XX/XX/2021. I am therefore disputing the late payment charge being reported by SLS to the credit reporting bureaus. This derogatory information should not be appearing on my credit report.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please correct the late payment on XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason. 

inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter for a debt collection of {$440.00} from sequium asset solution representing a company evolve XXXX XXXX I dont even know what this is and I believe this is beyond fraudulent activity
Product: Credit card or prepaid card

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. CAPITAL ONE ***** Opened date : XX/XX/XXXX Balance {$140.00}, CAPITAL ONE BANK USA ***** Opened Date XX/XX/XXXX Balance {$130.00} ) I do not believe I was late on the dates you are reporting ( XX/XX/XXXX ). Please report the payment status positive and update all late from reporting on this account.
Product: Credit card or prepaid card

A fraud charge for {$1500.00} appeared on my account from XX/XX/2022, from a company called XXXX XXXX. 

I did not make this purchase and have never heard of XXXX XXXX. 

I have disputed this charge 5 times now and it has been resolved out of my favor each time. 

XXXX XXXX doesnt appear to even be a real company in XXXX XXXX XXXX where Apple told me the purchase was made ), let alone a company I could purchase anything from. 

I have also asked at least 5 times to see the evidence that Apple/Goldman Sachs used in their investigation and have not received it any of those times.
Product: Student loan

I requested validation for this account on XXXX -- - **Subject : ** Follow-Up on Debt Validation Request and FDCPA Concerns Dear XXXX XXXX, Thank you for getting back to me about the debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your acknowledgment of my dispute and your efforts to contact the creditor for validation. 

However, your response does not fully address the issues I raised in my initial letter, specifically : 1. **Validation Timeline : ** While you have indicated that youve requested validation from the creditor, I request clarification on when you expect to receive and forward the requested documents. The Fair Debt Collection Practices Act ( FDCPA ) requires timely validation to ensure compliance with my consumer rights. 

2. **FDCPA Violations : ** My initial correspondence detailed potential violations of the FDCPA, including : - Adding unauthorized fees to the alleged debt.

- Attempting to collect a debt that I dispute or do not owe.

- Failing to provide the required validation notice within five days of your initial contact. 

Please provide a direct response to these specific concerns, including any steps you have taken to ensure compliance with the FDCPA.

3. **Cease Collection Activities : ** Until the debt is fully validated, I reiterate my demand that all collection activities cease, including further communications with me about this matter. 

4. **XXXX XXXX XXXX : ** I appreciate your confirmation that Transworld Systems has not reported this account to credit reporting agencies. Please confirm that no reporting will occur unless and until the debt is fully validated. 

5. **Next Steps : ** If validation is not provided within 30 days or if it is determined that the debt is not valid, I expect confirmation in writing that this account has been closed and that no further collection activities will take place. 

Please ensure all responses and documentation are sent to my address listed above. If this matter is not resolved satisfactorily, I am prepared to escalate the issue further by filing formal complaints with the FTC, and my state attorney general. 

Thank you for your prompt attention to this matter. I look forward to receiving a clear and comprehensive resolution. 

Sincerely, XXXX XXXX ---
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection item that appears on my credit report from XXXX XXXX XXXX XXXX. I have reviewed the details of this item and found several discrepancies that need to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Account Number Discrepancy : The account number listed on TransUnion is XXXX, while on XXXX it is XXXX. This inconsistency may indicate a reporting error. 

Original Lender Name Discrepancy : The original lender 's name is listed as XXXX XXXX XXXX XXXX XXXX TransUnion and XXXX XXXX XXXX on XXXX. 

Collection Agency Name Discrepancy : The agency name is listed as XXXX XXXX on TransUnion and XXXX XXXX XXXX on XXXX. 

Absence of XXXX on XXXX : There is a considerable amount of information missing on XXXX, including account number, original lender, agency name, and balances. 

Current Balance Discrepancy : The current balance is only reported on XXXX as {$12000.00} and not on TransUnion or XXXX. 

Different Status Listings : The status listed on TransUnion is Unrated or bankruptcy while on XXXX it is Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department. 

I am requesting that you conduct a thorough investigation into these discrepancies and correct or remove the inaccurate information from my credit report. 

I look forward to your prompt attention to this matter. Please update me on the status of this dispute within 30 days as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased 2 products from XXXX and financed the purchase through Affirm. I have been contacting them for several months regarding the loan as they made it two separate loans under each product but each for the cost of the two products. I returned one product and there is a refund for the purchase price of that item on the loan they made for the item. However, they are still charging me on that loan but won't tell me what they are actually charging me for. Because if they would tell me they would see their error. Instead they send me communications making it my responsibility to prove their error. I sent them screenshots of the two loans under the two products as well as screenshots of the purchase and return from XXXX. I don't understand why they get to basically steal from my bank account and they haven't responded to my requests from XX/XX/XXXX to have one loan deleted with my money returned. It took several calls to get a case # from them and that happened when I went to XXXX and an associate spoke with Affirm and told them they wrote the same loan twice and they finally gave me some attention. But they are still deducting they same amount 2x a month.
Product: Credit reporting or other personal consumer reports

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore XXXX XXXX, that my loan was being switched to their servicing company, Rushmore Servicing Corp. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 

This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 

Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. 
Thanks for your assistance. 

The notice from Rushmore Servicing states, " To help you get settled in, there will be no late fees or negative credit reporting during your first 60 days with Rushmore Servicing. ''
Product: Debt collection

I have receiving a hospital bills from the same place but different amount and different collection agency now i received a bill for XXXX i told them i didnt go to the hospital the year and time frame they had on my credit report and i never received a bill because i never went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against on XX/XX/20. From Citibank reply, I learned that my credit report was checked for a credit line increase that I didn't authorize. I have a freeze and fraud alert on all three credit files. This complaint also consist of XXXX, XXXX, and XXXX  releasing my credit reports without consent. 

The following are issues that Citibank needs to answer that were unanswered in the first complaint and prompt additional complaints. 
-- -- - ( 1 ). Why was an unknown email placed on my account without verification? My email address has always been XXXX. 
-- -- - ( 2 ). Why was my account reported to all three credit bureau agencies as delinquent? There were no delinquencies. Through automatic payment from an account that I no longer used, three payments were returned. I replaced the drafted payments, and I was charged return check fees, not late fees. The credit bureaus do not report return checks on accounts. It reports late payments. The account was paid in a timely manner. By law, I am supposed to be given time to pay for any return check payments. 
-- This unfair credit reporting violates the Fair Credit Reporting Act and debt collection. I will file a complaint with my State 's Attorney General Office for an investigation, and I will file a federal lawsuit if necessary to resolve this matter. As a result of Citibank inaccurate reporting my account as late, my credit score was lowered to XXXX. 
-- -- - ( 3 ). Why was my credit line decreased based on other creditors? I've never paid any of my creditors late.

-- My credit score has been negatively effected in terms of a low score of XXXX because Citibank lowered the credit line, which indicates to creditors that I used nearly 100 % of the credit lin, which is inaccurate. This is abusive credit card practice.

-- -- - ( 4 ). In a tape recorded conversation, the representative indicated that Citibank would removed the return check fees due to my hospitalization. 
-- -- - ( 5 ). If Citibank attempted to contact me about the return payments, I would've been unable to answer the calls at my home resident. Beside my home phone number, my account provided a cell phone number. I never received any voicemail messages on my cell phone from Citibank notifying me of return payments, nor did I receive any letters. 
-- -- - ( 6 ). Citibank claimed that emails were sent to me at XXXX. This fraudulent email never belonged to me, and the name alone should've alerted Citibank of an account breach. Most importantly, I was never notified to verify a change in my email address. 
-- -- - ( 7 ). There has been security breaches with Citibank and XXXX. I question how Citibank accessed my credit report files with a freeze and a permanent fraud alert. I have not removed the freeze in over a year. 
-- If Citibank doesn't resolve my issues of concern, and my credit files doesn't report accurate information. I will be hiring an attorney to take legal measures for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to TransUnion and XXXX where it appeared, screenshots and account status, XXXX  has removed the inaccurate reporting however TransUnion replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XXXX XXXX, 2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX  removed this from my account.
Product: Debt collection

My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.
Product: Bank account or service

I AM FROM XXXX, XXXX AND I AM A STUDENT AT THE UNIVERSITY OF ARKANSAS. I PERFORMED WORK FOR AN ORGANIZATION NAMED " STAND STRONG, STAY DRY, BE SAFE '' WHICH WAS FORMED TO OPPOSE A MOVEMENT TO ALLOW LIQUOR SALES IN XXXX COUNTY, XXXX. I RECEIVED A CHECK DRAWN OFF THEIR ACCOUNT AT XXXX XXXX IN THE AMOUNT OF {$1700.00} ON XXXX/XXXX/16 AND DEPOSITED THESE FUNDS VIA MOBILE BANKING THAT SAME DAY TO MY CHASE ACCOUNT ENDING IN XXXX. ON XXXX/XXXX/16 A LETTER WAS GENERATED BY CHASE STATING " WE BLOCKED AND WILL CLOSE YOUR ACCOUNT ENDING IN XXXX '' -- -LATER IN THE LETTER CHASE STATES " AFTER WE VERIFY YOUR FINAL DEPOSITS AND PAYMENTS, WE WILL MAIL YOU A CHECK FOR YOUR REMAINING BALANCE AND A FINAL CLOSURE NOTIFICATION ''. THIS WAS NEVER DONE AS MY ACCOUNT WAS " RESTRICTED '' AND I HAVE NOT BEEN ABLE TO USE THE ACCOUNT SINCE XXXX/XXXX/16. OVER THE NEXT SEVERAL WEEKS I WORKED WITH BRANCH MANAGER XXXX XXXX IN XXXX IN AN ATTEMPT TO GET THE MATTER RESOLVED. ON XX/XX/XXXX SHE INFORMED ME THAT SHE HADE GONE " UP THE CHAIN OF COMMAND '' AS FAR AS SHE COULD GO AND WAS NOT ABLE TO RESOLVE THE ISSUE OF GETTING ME MY MONEY.SHE STATED THIS MATTER HAD BEEN TURNED OVER TO THE EXECUTIVE COMMMITEE LOCATED IN XXXX XXXX WHICH WAS THE RESOLUTION GROUP IN CHARGE OF OPERATIONS ISSUES. THIS MATTER WAS ASSIGNED A CASE # TO BE WORKED BY A PERSON NAMED XXXX. IN DISCUSSIONS WITH THIS GENTLEMAN, WE STATED THAT AS TIME HAD PAST AND THE FUNDS HAD CLEARED XXXX XXXX, THERE SHOULD BE NO ISSUE AS TO THE FUNDS BEING '' GOOD MONEY ''. WE ALSO PROVIDED INFORMATION TO HIM ABOUT THE ENTITY TO PROVE ITS LEGITIMACY. NO PROGRESS WAS MADE WITH THIS REPRESENTATIVE AND HE WOULD NOT GIVE ANY SPECIFIC INFORMATION AS TO WHAT THE PROBLEM WAS OR HOW IT COULD BE RESOLVED. ON XXXX/XXXX/16 HE CALLED TO SAY CHASE WOULD NOT RELEASE THE RESTRICTED FUNDS AND HE WAS CLOSING THE FILE. IN THIS CONVERSATION, ONE FINAL ATTEMPT WAS MADE TO ASK WHAT SPECIFIC INFORMATION DID HE NEED THAT WE COULD PROVIDETHAT WOULD ALLOW THE RESTRICTION TO BE LIFTED AND THE FUNDS BE RELEASED. NO ANSWER WAS RECEIVED IN THIS REGARD..THERE HAS BEEN NO OTHER COMMUNICATION WITH CHASE SINCE XXXX/XXXX/16. I HAVE VISITED WITH SEVERAL BANKING EXPERTS AND AN ATTORNEY WHO TELL ME THAT I HAVE BEEN WRONGED AND CHASE HAS NO RIGHT TO HOLD MY MONEY. ADDITIONALLY, I HAVE A COLLEGE FRIEND WHO ALSO WORKED FOR THIS SAME ORGANIZATION AND EARNED {$150.00}. HE TOOK HIS CHECK HOME WITH HIM ON SPRING BREAK AND DEPOSITED IT TO HIS ACCOUNT AT CHASE IN XXXX, XXXX WITHOUT A PROBLEM. IN CLOSING, I HAVE WORKED IN GOOD FAITH TO BRING RESOLUTION TO THIS MATTER. IN MY OPINION, CHASE HAS NOT! THIS IS A MISHANDLING OF JUSTICE AND I NEED MY MONEY!!! AS THIS IS A SUMARY OF THE BASIC FACTS, PLEASE LET ME KNOW WHAT ADDITIONAL INFORMATION IS NEEDED. MANY THANKS IN ADVANCE FOR YOUR EFFORTS.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM HOMEWARD MORTGAGE. THIS IS A FRAUD LOAN. THIS PERTAIN TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX, APPARENTLY THIS HOWARD AND AMERICAN HOME SERVICING ARE THE SAME COMPANY,