23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was Opened XX/XX/XXXX closed on XX/XX/XXXX ( 1 yrs, 7 mos ) {$300.00} Reported balance Remarks : Charged off as bad debt Profit and loss write-off Company : SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX This account has 18 late payments posted on my report and I had or have no knowledge of it. If you could help me with this matter I would appreciate it. {$300.00} is not worth it to risk my credit score. If I had knowledge of any debt with amazon I would've paid it or disputed immediately. They ( Amazon ) never reached out to me by email or by phone. I only found out about this recently when XXXX XXXX gave me a plan to fix my credit after I inquired about trying to get a VA loan for a house. I logged in XXXX XXXX afterwards and saw the details ( as stated above ). I wish I would've been checking my credit report and not just my credit score as it looks like it has been there for a while. I just had to look a little deeper. Originally I thought my credit score dropped 100 points due to my credit to debt ratio increasing up to 508 % in XXXX. Please help me if you can because my credit score used to be 720+ and now its like XXXX. 

Thanks
Product: Credit reporting

I previously submitted a dispute for identity theft several times, experian fails to provide method of validation per FCRA Section 611. Furthermore, they have blocked me from being able to dispute the items again/dispute items and viewing my credit report and or checking the status of my credit report. 

I am disputing the following items as a result of identity theft and have attached my police report : - XXXX - XXXX XXXX - XXXX XXXX - XXXX I have also attempted to update the # on my fraud alert and have had no success.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPals are XXXX & XXXX XXXX
Product: Vehicle loan or lease

I was issued an auto loan via check, which was stolen before I received it. I reported the theft, filed a police report, and received no benefit from the loan. The bank refuses to relieve me of liability, despite evidence that I never cashed or endorsed the check.
Product: Debt collection

XX/XX/2019, Phoenix Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. 
attached a debt to my credit for medicaid payed bills, amount of {$1900.00}. 
i responded to them to validate the debt, with no reply and hang up phone calls, i took the matter in my own hand and received a Statement of account from XXXX XXXX XXXX XXXX stating i had a {$0.00} balance and sent it to Phoenix Financial. 
Mrs XXXX called on XX/XX/2019 and stated the statement of account did not prove that i had a XXXX  balance .. and that i still owed the balance to them.. " phoenix Financial '' and told me that " the validation of debt was in the mail once again! this has been going on for 3 months & 4 letter 2 faxes to Phoenix with requests to speak to a manager & no calls, No names. no return letters, and a bad mark on my credit, with no legal proof that there is a debt, Thank you XXXX XXXX
Product: Debt collection

This account is included with a amortization of debt. Was court ordered to reaffirm our debt in XXXX of 2018. I have contacted a XXXX XXXX. And was told they would fixed my account payments are being made monthly per our payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board  where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was notified by my credit protection agency that XXXX XXXX XXXX XXXX issued a HARD INQUIRY on my credit history with Equifax. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The XXXX XXXX XXXX asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a XXXX XXXX Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to Equifax requesting the removal of the HARD INQUIRY but they refused!
Product: Mortgage

I needed to refinance my home loan, so I went to my lender but even though I am lower income the bank is not serving my loan request. The neighborhood is located in a mostly poor and underserved area with mostly lowered income buildings. According to  the Community Reinvestment Act, a federal law w as designed to stop discrimination in low income neighborhoods.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
The account that is inaccurate is : XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

I was unable to pay my mortgage ballon payment of XXXX by XXXX to Mr Cooper. They placed me on a six month forbearance plan and told me they could extend it to twelve months if needed. They called me every month for progress and I told them I would need an additional six months. At the end of XXXX they said I would be extended and to call back XXXX XXXX and when I called, they informed me I could not. They referred me to another department that said I could get three months on a pandemic relief plan. I signed up for it on XXXX XXXX and checked on it today and there is no record of it
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Experian 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. 

other credit reporting accounts are XXXX.
Product: Mortgage

Escrow account for years XXXX and XXXX have been paid late by the company, to the point of getting letters from the County Attorney. They have upped my payments and are now charging me double and more for the taxes. My taxes are {$1400.00}. Year XXXX they charging my escrow on the amount of {$2600.00} the penalty that was charged. Escrow was {$380.00} they upped that to {$430.00} plus another {$54.00} adjustment. 
For year XXXX same thing happened taxes weren't paid till XXXX and only after I called due to another letter from the County Attorney, taxes due {$1400.00}. New payments on tax bill for {$2600.00}. 
New adjustments now {$450.00} a lot of my hard earned gone due to no fault of my own. I spoke to escrow manager she said she was taking care of it. When I sent my original payment they actually returned my check because it didn't have the inflated charges in there.
Product: Credit reporting or other personal consumer reports

I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.
Product: Vehicle loan or lease

I recently purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My original SIGNED contract was with the agreement of first payment day 90 days from signed date ( signed XX/XX/XXXX, first payment date XX/XX/XXXX ) as I received the mailed payment letter, they had changed the due date to XX/XX/XXXX. I have tried numerous times reaching out to the finance department to get this fixed and have asked for the signed contract with no response or call back. This company may have forged my signature and/or changed the date of agreed payment date without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about Transunion credit bureau & they retaliated against me by decreasing my score by XXXX points. They have failed to update my current payment history. I have more positive history than negative history yet the only reflect the negative history. My credit usage is not currently 90 % is lower than that according to the other two bureaus XXXX XXXX XXXX. I feel this may also be XXXX discrimination.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute all inaccuracies on my XXXX and my Experian report. They are not allowing me to do so. XXXX is opening and reopening collections account that are over XXXX XXXX XXXX. Experian because I will not pay for that service has put false collections on my report because I complained to you guys. When you try to call they dont answer the phone. XXXX is illegally opening and reopening accounts because I made a complaint. I have been dealing with this for a long time and need some help.
Product: Money transfer, virtual currency, or money service

Money was sent to me under my information and I never received the money. It was the correct name and phone # and email. And when I called the money could not be traced and I lost out on my money because it was said that it was sent to the wrong account.
Product: Credit card or prepaid card

on XX/XX/2022 my account was charged with out my consent for {$45.00}, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX several attempts were made via XXXX XXXX and was unable to even report the the bad charge. On XX/XX/XXXX I received a reference number for this charge, XXXX then these charges without consent showed up : XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$7.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} On XX/XX/2022 I was issued another reference number in efforts to resolve these bad charges, XXXX. 
This reference number included the following two charges without consent that were still pending and not posted : XX/XX/2022 XXXX  XXXX XXXX # {$45.00} XX/XX/2022 XXXX {$35.00} On XX/XX/2022 I spent more than an hour on hold and in direct contact with the company involved, then the call was cut. I need this resolved - money was stolen from my account. I found this site to issue a complaint, and did so.
Product: Mortgage

On XX/XX/XXXX, I requested the cancellation of my PMI and paid for a BPO to be completed on XX/XX/year>. The BPO was arranged based on the understanding that it would provide Freedom with the updated LTV ratio. I was informed that a 20 % LTV was required due to the absence of major renovations to the property. The BPO, completed and sent to my email on XX/XX/XXXX, indicated that my home 's value is {$820000.00}, while my current loan balance is {$650000.00}, resulting in an LTV of 20.72 %. Despite this, I received a letter from Freedom dated XX/XX/XXXX, stating that my PMI cancellation request was denied due to not meeting the required LTV ratio. 

On XX/XX/year>, at XXXXXXXX XXXX, I called Freedom to seek clarification on the denial. After being transferred several times, I spoke with XXXX ( ID number XXXX ), who informed me that the denial was due to a late payment, but she could not provide details on the late payment. I called again around XXXXXXXX XXXX and spoke to another representative who confirmed that there was no late payment on my account. I am unsure why Freedom is not processing my PMI removal and would appreciate your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

ive been in XXXX XXXX since XX/XX/year> all accounts on my report are not my accounts
Product: Credit reporting or other personal consumer reports

XXXX KENTUCKY HOUSING COPORA XXXX XXXX XXXX XXXX, KY XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent KENTUCKY HOUSING CORP you furnished alleged transaction on my XXXX, XXXX and XXXX reports that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 30 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not reply to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 30 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Anything other than deletions and correct updates will result in me seeking monetary damages for each inaccuracy that shows on these credit accounts! 


____XXXX XXXX_______________________ Without Recourse UCC 1-308
Product: Student loan

On XX/XX/XXXX I called and requested that {$100.00} payment received on XX/XX/XXXX be posted towards Principal only for this loan. The agent I spoke with advised me this will be completed with a few days, but as of today it still has not been corrected. 

I would like the {$100.00} payment that is been received monthly to be posted to loan XXXX. I have instructed the sender of the funds to always post these funds to this loan 's Principal balance monthly when my account is current, but this has not been happening and I have been having to make a call to correct this for years. The when this was set up instructions were given to post funds to this loan specifically. 

In addition to this it has been extremely difficult to get a person on the line to assist me. Please assist me with getting the funds posted to the principal balance upon receipt. I had this issue in the past and there seems to be no imitative to help me with my struggles getting this taken care of. Please update my account to have it set up to apply any payments in the amount of {$100.00} to be applied to this loan 's Principal balance. Moving forward I will be documenting how many times I have called and the wait times I have to endure to get a person on the line.