23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so. 

The company is claiming that I owe them {$1900.00}, which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. 

Please be advised that under Section 611 ( 5 ( a of the FCRA- you are required to. " promptly delete all information which can not be verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine. please review them Identity Theft XXXX Account Number : XXXX This is not mine. 

. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

I received the lease end bill from BMW via certified mail. There is a {$250.00} charge for what i believe is a missing second key. This was on the initial inspection because I didnt have the spare key with me at the inspection prior to returning the vehicle. Upon returning the vehicle at the BMW dealership, i returned both keys and have a receipt which i assume was forward to BMW financial services. 

I called the " End of Term Specialists '' as detailed in the letter i received certified mail on two occasions only to be put on " perma-hold ''. I was never able to speak to anyone. I then called a woman named XXXX at BMW whose number I retained from my last CFPB complaint which she finally did resolve ( she admitted BMW was at fault and resolved the matter only because of the complaint ). 

XXXX could'nt get me to the appropriate department but promised that she would get them to return my call. No calls from anyone. I believe this is a common practice at BMW financial services and nothing is being done to prevent this.
Product: Credit reporting or other personal consumer reports

I was recently aware that my information was stolen there are many balances in my credit cards that are not mine report all this charges to the credit card company but yet not resolution and is affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED ARC ( ABSOLUTE RESOLUTIONS CORPORATION ) TO VALIDATE THE DEBT OF ACCOUNT XXXX, IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX ACCOUNT ENDING IN XXXX. HOWEVER, ARC STILL HAS NOT SENT ME ANY DOCUMENTS VALIDATING THE DEBT. IT HAS BEEN MORE THAN 30 DAYS. I WOULD LIKE THE DEROGATORY MARKS OF COLLECTION FROM ARC DELETED FROM ALL MY CREDIT REPORTS FOR ALL CREDIT REPORTING AGENCIES INCLUDING XXXX, XXXX, AND XXXX. I ALSO WANT ARC TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, I AM RESPONDING TO YOUR CONTACT ABOUT COLLECTING A DEBT. YOU CONTACTED ME BY MAIL, ON XX/XX/2021 AND IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX  ACCOUNT ENDING IN XXXX. 

IF YOU HAVE GOOD REASON TO BELIEVE THAT I AM RESPONSIBLE FOR THIS DEBT, MAIL ME THE DOCUMENTS THAT MAKE YOU BELIEVE THAT. STOP ALL OTHER COMMUNICATION WITH ME AND WITH THIS ADDRESS, AND RECORD THAT I DISPUTE HAVING ANY OBLIGATION FOR THIS DEBT. IF YOU STOP YOUR COLLECTION OF THIS DEBT, AND FORWARD OR RETURN IT TO ANOTHER COMPANY, PLEASE INDICATE TO THEM THAT IT IS DISPUTED. IF YOU REPORT IT TO A CREDIT BUREAU ( OR HAVE ALREADY DONE SO ), ALSO REPORT THAT THE DEBT IS DISPUTED. 

THANK YOU FOR YOUR COOPERATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXX/CREDITOR : XXXX XXXX XXXX specifically the account titled XXXX XXXXXXXX, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to XXXX XXXX continues to attempt to collect on an invalid debt. 

XXXX through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, XXXX violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f. 

Through all the above-mentioned conduct, XXXX  is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the 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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a pre approved offer through XXXX XXXX to apply for Discover Card. These offers were pre marched based on credit history and score. Based on these factors, I more than qualified. 

I received the letter stating I was denied based on factors which doesnt apply to my reports. I have active accounts, my score is over 700 at the time of the letter. Another reason shows bankruptcy which was dismissed over three years ago and had nothing to do with credit card accounts. The bankruptcy was filed to obtain my vehicle back after it was illegally seized during covid when these collection actions were suspended. This is noted in my report
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. There actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

MY MORTGAGE WAS ARBITRARILY MODIFIED OR CHANGED FROM A 30 YR TO A 40 YR MORTGAGE. I NEVER AUTHORIZED NOR CONSENTED TO THE MODIFICATION. IN ADDITION, I WAS NEVER LATE IN MY PAYMENT, BUT THE MORTGAGE COMPANY REPORTED ME LATE ON ONE PAYMENT WHICH ADVERSELY AFFECTED CREDIT. I BECAME AWARE OF THE MODIFICATION IN XXXX 2016 WHEN I WAS ATTEMPTING TO REFINANCE THE MORTGAGE. ALL EFFORTS TO HAVE THE MORTGAGE ADDRESS BOTH THE UNAUTHORIZED MODIFICATION AND DEROGATORY CREDIT REPORT HAVE FALLEN ON DEAF EARS. NOTE THAT I DID NOT ATTACHED THE FULL MORTGAGE NOTE BECAUSE IT WAS TOO LARGE. I WILL BE GLAD TO OVERNIGHT IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed Santander auto loan account is reporting a late payment in XXXX of 2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being XXXXt and many XXXX. Please advise, thank you and XXXX bless. 
Santander Account # XXXX ....
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Capital one platinum card debt was charged off but company still keeps sending me letters to pay debt request a 1099c but was ignored charge off amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized and was done by that creditor without permission! Please, you need remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Debt collection

This company has taken to multiple calls on my work cell phone. They used to call from a different number, but now they are switching to another number to try and scam money out of me.
Product: Student loan

XXXX XXXX claims I have been 100 + late on payments but I have been in school the entire time. I got my XXXX XXXX now I'm getting my XXXX. When in school your loan can be deferred and it shows on my credit mine wasn't and still isn't in deferment.
Product: Credit card

Applied for credit XX/XX/XXXX with Capital OneReceived creditNoticed fraudulent charges on statementContacted Capital One, filled out fraudulent charge paperwork30 days later, noticed same fraudulent charges remain on statementContacted Capital One again, had fraudulent charge paperwork faxed to me, filled it out again and faxed it back. Paperwork was received and I was told Capital One will investigate. 
60 days later, fraudulent charges still remain on statement. 
Contacted Capital One once more and was asked if I filed a police report ( this is something that should have been told to me from the beginning ). 
As of today, ( XX/XX/XXXX ), fraudulent charges still remain on account, which is in collections and has destroyed my credit, disabling me from purchasing a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inaccurate, must remove ( never had this accXXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXXXXXX Inaccurate, must remove ( never had this acct.XXXX XXXX XXXX Inaccurate, must remove ( never had this acctXXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this ACCT. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX  and was forced to skip my mortgage payments during the pandemic. I have been hospitalized and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make 3 trial payments in XXXX, XXXX, and XXXX of XXXX. I even made 4th payment on XXXX of XXXX. 

I made these 4 payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus.

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested.

My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

G-d bless you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
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 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

On my XXXX credit report, I requested a collections account be removed a few months ago and they did it. The collections account was purchased in 2016 by XXXX XXXX, XXXX in the amount of {$8600.00}. The collections was posted to my XXXX credit report in 2016. About a month later the collections company post the same collections account that was on my XXXX credit report to my Experian credit report. Up until this time it was never on my Experian credit report. I disputed with Experian that the collections should not be on my credit report due to California. The collections account is over 4 years old and according to California law that falls under TIME BARRED. I would like it to be removed. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX Cap one na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 2 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX