23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One refuse to validate. I do n't remember paying anyone credit company since XX/XX/XXXX. They said its XX/XX/XXXX, I know its not correct. 
XXXX I sent a letter to validate
Product: Credit reporting

I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. 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. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00}
Product: Mortgage

I was current when COVID 19 pandemic hit on XX/XX/XXXX and took the forbearance from Shellpoint mortgage. My income was reduced and I am a 100 % XXXX XXXX XXXX XXXX  veteran trying to keep my home Towards the end of the forbearance I called on XX/XX/XXXX and they said my forbearance was extended, I also called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told the same thing They then told me it was never extended and I had to apply for a loan modification even though when I took the COVID forbearance I was reassured my loan would be brough current. Now in XX/XX/XXXX I am facing foreclosure despite attempts to obtain the loan modification to get current to begin making monthly payments. I can afford the monthly payment but just need help to pay the past due as promised
Product: Debt collection

One of your representatives contacted me by phone call on XX/XX/XXXX at XXXX XXXX  XXXX  ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX  ; again on XX/XX/XXXX at XXXX XXXX XXXX ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and identified the debt collector as XXXX on each occasion. The phone numbers used to contact me were XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 

These repeated phone calls are meant to intimidate and harass me. I requested that 500 Fast Cash stop contacting me on XX/XX/XXXX. The reason why is because I would like to research tribal loan enforceability in my state as I plan how to payoff legitimate debts and become debt free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, XXXX, & Experian. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and Experian has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number 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 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 to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX XXXX had a checking account with Bank of America, account number XXXX. The account was opened ITF ( In Trust For ) XXXX XXXX XXXX, my mother. 

On XX/XX/XXXX XXXX XXXX passed away. In XX/XX/XXXX XXXX XXXX completed the required forms from Bank of America to receive the funds ( over {$1000.00} ). She never heard from Bank of America. 

In XX/XX/XXXX XXXX XXXX fell ill, was diagnosed with XXXX, and XXXX XXXX on XX/XX/XXXX. 

As executor and heir, I contacted Bank of America to find out why it had not issued a check for the balance in the checking account. It said additional forms were necessary, which my mother never received. Now that she is passed, I have to obtain the balance of XXXX XXXX 's account, but Bank of America will not release anything unless there are additional forms completed, an estate opened for my mother ( which is not necessary due to the extremely small value of her estate ), and file forms in South Carolina Probate Court - even though both XXXX XXXX and XXXX XXXX lived in Florida. Bank of America continues to withdraw {$12.00} a month from XXXX XXXX 's account as a service fee, despite being away of his passing in XX/XX/XXXX,  reducing the balance owed to my mother ( and now me ). The case number with Bank of America is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting the runaround with Equifax can you please help me resolve the problem I spoke to several supervisors.thank you
Product: Debt collection

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill and not the original application with my signature. The company is also not licensed in my state to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX XXXX XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX XXXX XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX - {$5000.00} XX/XX/XXXX -XXXX XXXXS XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX   XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX XXXX  - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

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. 
Collection Account # : XXXX, Collection Account # : XXXX, and Collection 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. 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 XXXX years. 15 U.S.C. 16815-2 ( 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. I request these accounts be deleted off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with XXXX with a balance of XXXX.
Product: Money transfer, virtual currency, or money service

I have a XXXX balance on my PayPal account and no unresolved issues or business with them. I have tried three times today ( online, and phone ) to cancel my account. Customer service was unwilling/incapable of closing the accounts. 
I want to minimize my online exposure to security threats and PayPal is being uncooperative.
Product: Consumer Loan

This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. 
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.
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. 

Account name : XXXX XXXX XXXX # 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 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 or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a furniture store and use a Pos system. The company I use is Square. I recently had a customer staging his houses and processed the transactions throughout the week. Square red flagged it and sent me a questionnaire. It resulted to deactivating my account and holding my money hostage until 90 business days. Also, no phone contact was provided, everything was done electronically. I need the money to purchase new items as well with pay bills that I have.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. No matter what I dispute, XXXX consistently responds within 24 hours, stating the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take action to ensure XXXX complies with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : CXXXX 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
Product: Debt collection

As stated in my first complaint, this firm is extremely difficult to get a hold of and when you do get a hold of a representative you are faced with dealing with a high level of unprofessionalism and them trying to deny the company approval a lower settlement offer. I call multiple times and was told that this offer did not exist and that I would have to pay the full amount or they would not be dealing with me in trying to help me resolve this matter. 

They did not offer me the opportunity to speak with a manager even though it had been requested twice. They did not acknowledge that I was given a settlement offer by XXXX XXXX. None of these became and option until I had submitted a complaint with CFPB. 

I was faced with people who were telling me that no such records existed and no willingness to verify this with the creditor UNTIL submitting a claim on them for unfair practices. The company should have verified this information, but refused, and then refused to let me speak with a manger regarding my concerns.
Product: Credit card

I've consistently ensured timely payments on this account, never letting them become overdue. Nevertheless, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting Act, the list of accounts below have 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
Product: Checking or savings account

I have been told by Bank America that they can help me with overdraft fees due to my financial circumstances which I have communicated that I am trying to get the account back to a positive balance I just needed help and if they can remove the fees that I was told that would help tremendously. After a death in the family mentally I was unable to work therefore, it resulted in all my bills being piled up and at this time I am currently trying to be current on all of my bills. I do not have other income besides myself. At one point i needed to seek XXXX  outpatient treatment due to the severity of a illness. Im trying my best to pay off all debts. Today iam asking for help that I was told. Im not asking for all fees to be removed. But Im being charged fees when I have communicated my financial hardship and I had to choose between eating or paying back a debt. I will pay this debt I just need help. Im also now being threatened that they will close out the account charge it off and report me to XXXX XXXXs because of financial situation. I have not ever been in this position its very hard.
Product: Debt collection

Started agreement with XXXX. Actually was paying debt in to the account when its a billing error according to the bill it came in the positive and still contacting me to pay debt when I noticed the bill is a interest payment. Also never gotten my permission or consent to sell my credit account to the 3rd party! Here are some U.S.C. to backup my complaint! 


*Regulations : * 1. Truth in Lending Act ( TILA ) - 12 CFR 1026.12-13 - Requires accurate billing and disclosure.

2. Electronic Fund Transfer Act ( EFTA ) - 12 CFR 1005.11-13 - Governs electronic payment errors.

3. Fair Credit Billing Act ( FCBA ) - 12 CFR 1026.13- Protects consumers from unfair billing practices.

*U.S . Codes : * 1. 15 U.S.C. 1601-1667f ( TILA ) - Regulates consumer credit transactions. 
2. 15 U.S.C. 1693-1693r ( EFTA ) - Governs electronic fund transfers.

3. 15 U.S.C. 1666i ( FCBA ) - Addresses billing errors and resolution.

*FCBA Billing Error Resolution : * 1. Written notice to creditor within 60 days 2. Creditor investigates and corrects error 3. Consumer notification of resolution *Penalties : * 1. TILA : Up to {$5000.00} ( individual ), {$2.00} million ( organization ) 2. EFTA : Up to {$1000.00} ( individual ), {$500000.00} ( organization ) 3. FCBA : Up to {$1000.00} ( individual ), {$500000.00} ( organization ) According to these penalties FCRA ( 15 U.S.C. 1681s ) up to {$2.00} for negligent also up to {$7500.00} for willful noncompliance.

FDCPA ( 15 U.S.C. 1692k ) {$1000.00} for each violation GLBA ( 15 U.S.C. 6801 et seq. ) $ XXXX each violation. 

N.Y. Gen. Bus. Law 380 up to {$5000.00} for each violation.

*Credit Reporting Agency ( CRA ) Penalties : * 1. FCRA ( 15 U.S.C. 1681s ) : Up to {$2500.00} for negligent non-compliance ; up to {$7500.00} for willful non-compliance.

2. FTC enforcement actions *Debt Collector Penalties : * 1. FDCPA ( 15 U.S.C. 1692k ) : Up to {$1000.00} for each violation ; up to {$500000.00} for class actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 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

I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureauXXXX, XXXX and or XXXX  credit report/credit inquiries that i did not authorize.