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

I thought I had resolved a disputed debt with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, who had submitted this alleged debt to XXXX  XXXX XXXX back in XXXX XXXX. I also had an attorney substantiate that I did not owe this debt, that it was illegal and in violation of CO. REV. STATUES. and to cease and desist from further reporting and collection of this alleged debt. I heard nothing further back from XXXX XXXX or XXXX, nor did they report this debt to any credit bureaus. Then in XXXX XXXX I got an email from Trans Union that my credit score had changed due to an account in collections reported by XXXX XXXX XXXX for the same alleged debt as above. I immediately disputed this debt with Trans Union, that I did not owe this and that to my knowledge this was resolved that I did not owe this. I also included my attorney 's previous letter that showed that this debt was illegal and in violation of Colorado Law. Trans Union reported on XX/XX/XXXX that they resolved my dispute. I repeatedly tried to see the results on their website but it was not working, it stated due to technical difficulties site not working. I tried for 2 wks and it always stated not working, so I called Trans Union on XX/XX/XXXX. I called and was put on a long hold, transferred and hung up on, I called back several times and was finally given the information they denied my dispute, and I was given the phone number for dispute dept. So I called again on XX/XX/XXXX to Dispute Dept. and after I explained their website was not working and wanted to have more information as to why my dispute was denied, they hung up on me again. Today, XX/XX/XXXX, I tried to add a statement to the illegally reported debt as Trans Union states you can do, but that was not working today as well. I called the Dispute Dept., spoke with " XXXX '', explained my concerns and after I did, he just disappeared and hung up on me again! This is ridiculous!! Trans Union is reporting an illegal debt against me, they also make it impossible to resolve issues as their website is down for weeks at a time with technical difficulties, then if you call they put you on hold for long periods of time, then repeatedly hang up on you. They state you can make statements as to your account but make it unavailable, then they hang up on you when you call for help.
Product: Mortgage

I missed a payment in XX/XX/XXXX with Loan Care. I applied several times for a Loan Modification, but was turned down each time. XXXX XXXX, they contacted me for a loan modification. Loan Care signed me up for their loan modification program. I had to make a payment XX/XX/XXXX, XXXX XXXX, and the XXXX of each month, which I did. I used my debit card, and noted the name of the person to whom I gave the payment, since they would never give me a confirmation number. XXXX XXXX, Loan Care turned my account over to XXXX XXXX XXXX ', which is another division of their company. I continued making my payments with XXXX ' per my agreement with Loan Care . When I completed the loan modification program, I attempted with a couple different companies to refinance my mortgage at a lower rate, which would lower my monthly payments. I learned The XXXX XXXX had reported my XX/XX/XXXX payment as late, and reported my XX/XX/XXXX payment as not being made. Thus no other company would do a refinance for me, and The XXXX XXXX could keep charging me a higher rate. I contacted the XXXX XXXX citing names and dates of my payments. They refused to remove their wrong information from my credit report, stating they could report whatever they wanted because I was in a loan modification program at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has the dispute results and FLAT OUT REFUSES TO FIX THE ISSUE! THEY ALL WORK FROM HOME SO YOU CAN NOT REACH A SUPERVISOR. THEY ARE RUING LIVES. MY FAMILY IS IN DISPAIR. WE ARE SUFFERING EMOTIONAL DISTRESS BECAUSE WE CAN'T MOVE BECAUSE WE KEEP GETTING DENIED BECAUSE THEY WILL NOT REPORT CORRCT INFORMATION! 

TRANSUNION RENTAL SCREENING SOLUTIONS INC I've been denied housing twice. The first home I should have qualified for is now priced too high but I could have rented this home before they took the price up.
Product: Consumer Loan

I am running a payment behind because originally I was told this loan would pay off a loan I have at Heights Finance. When I sent the check to XXXX it did n't pay them off. So now I have two payments. The manager of One Main, said she could n't do anything. With that said even though I have a payment scheduled in thier system they continue to call and threaten legal action. They have called my employer and sent mail there as well. Now they have also sent an employee of thiers in. My boss and I have both told them not to call me at work.
Product: Mortgage

We purchased a home in XXXX, XXXX with XXXX XXXX. Home hazard insurance was paid 1 year in advance with a monthly impound account for future annual premiums. XXXX XXXX  sold our loan to Select Portfolio Servicing ( SPS ) in or about XXXX XX/XX/XXXX. In XXXX we received a letter from SPS stating " we do not have evidence of insurance covering your home '' and that SPS would purchase " forced '' insurance if we did not show proof on insurance. I uploaded a copy of our policy to SPS in XX/XX/XXXX. 

In late XXXX, XXXX I received another letter from SPS title XXXX & XXXX Notice stating " your insurance is expired and we do not have evidence you have obtained new insurance. '' Again I uploaded the atttached to the SPS portal priving evidence of insurance. 
On XX/XX/XXXX I called SPS and was told that " SPS will not accept my insurer carrrier. '' This verbal message is something completely different from any letters they've sent me. 
On XX/XX/XXXX they purchase " forced '' insurance on the home at a cost of {$3500.00} which is going to taken from impound/escrow account. 

SPS has not provided a reasonal explanation in writing and is not justified in taking unauthorized premium from my escrow account.
Product: Debt collection

My old gym, XXXX XXXX XXXX XXXX, did not cancel my membership due to an accounting error on their side in XX/XX/2019, following a XXXX XXXX  due to their negligence. 

I have since been in touch with the gym to fix the issue, but since the gym had preemptively sent out a debtor claim with First Credit Services, FCS, I have had several debtors call me. It's clear they shared my information somehow because I've never owed a dime and now I'm getting phone calls from several different kinds of companies chasing me for these gym funds. 

The gym has confirmed they told FCS to stop contacting me, but now things have gotten worse. I have to block phone numbers multiple times a day.
Product: Debt collection

I C SYSTEM is falsely reporting an account I do not own. I have had the same phone/internet provider since XXXX and would not need an account with the XXXX listed. I have reached out to XXXX and they are now able to provide me with any information on this account. Please provide me proof that of XXXX account being opened XX/XX/XXXX XXXX 

I do not feel comfortable providing my the last 4 of my SS due to information I am reading about IC systems current collection practices
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Product: Credit reporting or other personal consumer reports

update my information XXXX XXXX XXXX case XXXX account number ending XXXX and XXXX XXXX XXXX loan number ; XXXX note amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the 30 and 60-day late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate XXXX and XXXX late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I submitted a letter to XXXX regarding this school claiming I owed money on a balance. I received student loans for the semester a class was dropped before the drop deadline and the school added a balance. Per the school 's own policies and procedures this bill is invalid. I stated this to the school, XXXX, and the collection agency. They refuse to validate the debt I requested this on numerous occasions via email and through mail never responded. According to the law if a company refuses to validate a debt the debt is invalid and has to be removed from your credit report. I stated this to Transunion in my complaint they did nothing to fix the error.
Product: Debt collection

LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$550.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNT ON MY FILE. I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARENOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED, SO I KNOW THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and Portfolio Recovery associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and Portfolio are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy XXXX  XXXX-discharged Reference # XXXX, US DEPT OF EDXXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/XXXX  XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/XXXX  and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, MyFICO and XXXX that I had a high balance on my XXXX. I immediately contacted XXXXXXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on Transunion and XXXX. I lost XXXX points on XXXX and Transunion but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. 
Today XX/XX/XXXX  they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX  and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since XXXX is completely incompetent and has refused to do their job. My fico and XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Product: Debt collection

I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.
Product: Credit reporting or other personal consumer reports

After XXXX XXXX  of being a XXXX customer this bank failed me and my family very badly. Failure to communicate that a account had gone in negative and would be charged off. My wife called after getting a letter stating account was overdrafted on XXXX. The banker told her how much it would be to clear account up but not the date would be a charge off. We paid the balance to correct the negative balance at that point of paying i was told my account was getting charged off XXXX bank said policy is to notify you 30 days late then charge off soon after that. You get the notice on day XXXX plus in the mail then day XXXX XXXX it's charged off. My problem is nobody called saying hey this is courtesy call, your account about to be charged off. My problem is that the bank wasn't clear on the time frame to pay but negatively affected my credit without proper notice. Around day XXXX something no call just a XXXX time letter .I 'm a XXXX  XXXX  customer with no problem before with my account. I believe so more than that letter, I paid account on that day then waiting in the line found on my account was charged off.
Product: Debt collection

A man identifying himself as XXXX XXXX with ARS called and left a voicemail message suggesting he was an attorney and that he was going to move forward with legal action against me for refusal to communicate with him. This was the first time I've ever heard from him. He did not identify himself as a debt collector. He called from ( XXXX ) XXXX. I have also learned that they are calling relatives of mine with whom I have never shared a household and harassing them, as well.
Product: Debt collection

On XX/XX/2022 I took my son to the emergency room. XXXX XXXX 's XXXX is charging me an extra {$180.00} for an unknown reason. I've already called XXXX and they said my son is fully covered, when I've called XXXX directly I'm told that XXXX will also cover it. So I'm confused why it's been pushed to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is illegally reporting inaccurate information to credit reporting agencies on my credit report. This has damaged my credit immensely over the past three years. Capital One has repeatedly furnished inaccurate balances and payments. This is illegal and immoral. Attached is a statement from Capita One with the amount owed and payment due. Please hold them accountable for damaging my credit which has caused harm to my well being as well.
Product: Credit card

The interest rates are ridiculous. I contacted them today and the can not offer any reasonable rates. I can consolidate, but do n't want to damage my credit.
Product: Credit card or prepaid card

I sent a letter dated XXXX requesting to close my account because I can't afford the membership fee because I have been out of work due to XXXX. I also asked Capital One to consider waiving my membership fee, and I would keep the card. 

My account was closed on XXXX XXXX XXXX, and my membership fee was not credited to my account. I called on XXXX and spoke to a representative, and they said they couldn't remove the membership fee. 

Why would Capital One cancel my card AND charge me a membership fee for a card that I can't use or afford? 

On XXXX I sent an email to XXXX XXXX XXXX of Capital One in an attempt to get a fair resolution. 

I received a phone call saying that my fee cant be waived because I missed the timeline.
Product: Debt collection

I received a call from agent XXXX XXXX at XXXX XXXX  on the XXXX of XX/XX/XXXX. He stated that he works for LTD Financial Services Limited Partnership and the call was to collect a debt of {$510.00}. I allowed XXXX XXXX to speak until he was finished and I stated : " I'm not working and can not make any payments at this time ''. XXXX XXXX goes on to say " well your last payment was in XXXX of XXXX, and that's before Covid 19 so  you're not being affected by that ''. I explained that " I didn't say or ask that '' and he said " well its the true and I'll have to make note of it ''. My personal thoughts are never said and I believe the agent had no right to state his. Covid 19 affected my search for employment just as it has done thousands. I'm not using excuses but stating facts and before then he has no idea why I was out of work. I would like for this company to stop contacting and not contact my family and friends. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

A synchrony care credit allegedly was open on XX/XX/XXXX which has an address at XXXX XXXX XXXX XXXX XXXX. 

- Ive been residing in XXXX since XXXX and had never been in XXXX or anywhere in XXXX - I dont have any idea what a care credit is about and not even Synchrony - My billing address has not change since XXXX. Its the only billing address and I have not moved any place of residence - I was surprise to receive all the papers already from collection - I filed a dispute but the company denied it