23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$180.00} Open balance XXXXXXXX XXXX XXXXXXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent FTC letters ( Around XX/XX/XXXX ) with notice to furnish proof of the debt as well as to cease collection of the debt and to delete any derogatory marks on credit reports as per identity theft guidelines under the FCRA. The company has failed to remove the derogatory marks from the credit reports as well as failed to cease collection. Upon calling them this past week they claimed to have validated the debt and sent multiple letters. I have had no issues receiving letters from them before, however, the debt validation letters and any info as to what they are doing regarding the fraud were not received. 

Phone representative was aggressive and dismissive, claiming the postal service failed to deliver the letters and gave no intention of resending the letters. My FTC ID theft complaint letters were received on XX/XX/XXXX by Convergent Outsourcing and they only a few business days later reported the collections to all the credit bureaus. It appears no action was taken to respond to the ID theft claim, no investigation, no attempt to right the situation, and a complete disregard for FCRA regulation that collections be ceased and that reporting also be ceased to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED.
Product: Mortgage

I just received Mr. Cooper correspondence that our modification was rejected base on a call that we rejected the modification. This is not what happen. This was not the purpose of our complaints, the purpose was to recognize our loan modification did not take into account any of the circumstances that exist. Such as income, post-bankruptcy, and our resident is located in an area that suffered a disaster of epic proportions. We were also told if we rejected the modification this should be in writing. There is not any evidence that we rejected this modification, but disagreed with the terms and request explanation over and over again. Explanations were given through CFPB, after complaints were submitted, questions were answered and the interest rate was explained after communicating our concerns through a third party housing counselor. I am not certain why would Mr. Cooper " pull '' calls to support we rejected the modification. Did Mr. Cooper received a rejection in writing from homeowners? Why not read the complaints? Why not use the rejection letter we were told to send in? There is not a rejection letter that exists. Maybe that is the reason the person from Nation Star called suddenly to rudely say to me there will not be any negotiation ; and " I will accept or reject ''. Was this a strategy of Nation Star? This act seems to be deliberate and we would like to ask for an explanation. We are attempting to seek legal recourse in response to a Nation Star representative caused us financial harm. Afterwards Mr. Cooper is now requesting both XXXX and XXXX payments in order to complete the modification. The modification was base on completing the trials payments and in the midst of requesting help and explanations before we sign and execute documents NO ONE at Nation Star offered to assist with the wording, by the time and third party explain this modification from the first page to the last page it was already XXXX. The modification was then rejected by the notes of a representative and we called and spoke to someone about what happened, and we never rejected but did COMPLAIN, now its XXXX. We are being asked to pay {$2500.00} right now to move the modification forward.
Product: Mortgage

The servicing company hold money and does not apply monthly payments until it wants and has charged more than XXXX in fees for services. They say no lates so these fees are excessive. I do not know why XXXX XXXX XXXX sold loan to them. But this is very bad service. See documentation for information
Product: Debt collection

This debt is not mine, I have never received services from this company.
Product: Mortgage

I have been paying my mortgage timely since inception and haven't had issues until it was sold by XXXX. The new mortgage company refuses to timely post payments made which is grossly affecting my credit and ability to secure new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I,, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # 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, credit repair services, or other personal consumer reports

I have disputed this many times, now it's getting to the point of mental harrassment. The following company XXXX XXXX XXXX XXXX, I do not, nor have I ever had a contract with. No Contract. According to the FCRA law, if you gon na report information via a consumer and it's been disputed then you as the reporting agencies shall provided that consumer with physical documentation. Again, I have no contract with the above company ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX with XXXX and Equifax for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.
Product: Money transfer, virtual currency, or money service

You stated that because I received a direct deposit on a specific date for {$1200.00} which is my very first transaction and on that same day I made a purchase for the same amount it's why the system Limited my account access. I understand that this system has ways to detect risk to protect its users as well as the Venmo company but in this particular situation it seems like the only one that is being protected is Venmo. Even from you explaining everything that the user policy and agreement says there was nothing I did to violate any terms which I can clearly see that you can't even explain so I'm not just asking for Access back to my account I don't even want the account anymore especially because this service seems to be a scam itself so I was basically just telling you what the issue was on top of your user agreement that you solely stand on which I never violated but just to save the going back and forth you missed my request for you to just return the funds back to the sender which is my school it seems as if you were just so focused on holding my funds for 180 days to look for something that's not there. And when I asked to you about what was lost prevention and will they be trying to keep my funds you chose not to respond so I'm going to ask you again explain what's loss prevention and will you be trying to keep my funds or will they be released to me after 180 days?
Product: Debt collection

On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Certegy declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
Product: Student loan

XX/XX/XXXX, XX/XX/XXXX Sallie Mae are calling people outside of who I listed on my loan, giving out personal information regarding my loan
Product: Checking or savings account

In XXXX and XXXX I was back and forth due to school campus closing, I remember my whole wallet being taken by an ex friend of mine I reported all my things stolen and had to get new everything. I have went into bank of American showed my Identification and everything and one person told me to pay a fee in order to reopen my account one which card was stolen I had the wallet case so my stuff was on the back of my phone and my code was my birthday this girl did me so wrong stole my things and now I am suffering for it thats not fair to me
Product: Credit reporting or other personal consumer reports

Due to covid hrs cut, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, no settlement, XXXX XXXX XXXX, car stolen in XXXX XXXX XXXX CHARGED OFF MY DEBT! 
They thought thecar would be totaledCheck all this with XXXX XXXX XXXX in XXXX, WY. I paid my bills!! Sold my modular to survive and Experian knows it! 
NOW, I am just hit with a terrible credit score. 
None of this was my fault! 
XXXX XXXX XXXX
Product: Credit card

Name : XXXX XXXX XXXX : XXXX Card number ending : XXXX XXXX XXXX I applied for a Chase credit card based on their advertised offer of 0 % APR for 15 months and a 3 % balance transfer fee. This offer was the main reason I chose to apply. My credit score, as shown on the Chase app, is XXXX, and I have a perfect payment history. I've never missed a payment on any credit card in my life, with consistent amounts and responsible credit usage. 

I was approved for a credit limit of {$11000.00}, which was great, but after approval, I found out that I wasnt given the 0 % APR for 15 months or the balance transfer offer as promised. Instead, they assigned me an APR of 27 %, and there was no balance transfer option available. This is not what was advertised, and it's very disappointing, especially since my credit score and history meet the criteria for such offers.

I spoke with a customer service agent and a supervisor, and neither of them could give me a clear explanation as to why I didnt receive the promised terms. They mentioned they werent sure if it was a system error but, unfortunately, there was nothing they could do on their end to fix it. This has left me frustrated, as I applied for the card expecting the advertised benefits. 

Dates : Applied for the card and was approved on XX/XX/year>. 

Credit limit approved : {$11000.00}. 

Im requesting that Chase honor the original terms that were advertised at the time of my application.
Product: Bank account or service

On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my XXXX XXXX and Experian credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.
Product: Student loan

I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.
Product: Money transfer, virtual currency, or money service

I am writing to formally address the recent closure of my Cash App account, associated with my social security. To my surprise, I received a notification that my account was closed, but no explanation or reasoning for this action was provided. My identity was verified long before. Being a loyal customer I have reviewed the Cash App Terms of Service and am unaware of any violations or activities that would warrant this closure. I kindly request a detailed explanation regarding the decision to close my account and any supporting evidence that led to this action.

Additionally, I would like to inquire about the following : The status of any funds that may have been in the account at the time of closure.

Steps to resolve this issue, including whether it is possible to reinstate my account.

Documentation or records related to my account that I may need to review.

As a loyal user of Cash App, I am deeply concerned about the lack of transparency in this matter. 
Thank you for your time and attention to this matter. I look forward to your response.
Product: Debt collection

Hunter Warfield is attempting to double collect on a debt for XXXX XXXX XXXX, and they have also added {$1000.00} to both claims. This is not a typo, it has been listed on my credit report under XXXX different reference numbers. Now, as of today, they have increased one of claims, further decreasing my credit score. This is all happening as XXXX XXXX XXXX is challenging all of the misinformation and derogatory items that are listed on my credit reports. Hunter Warfield has made relentless calls to my phone as well as my family members. I have become XXXX  as a result of the death of my child who was XXXX XXXX. My sole income was from XXXX and the state for his care, which was immediately stopped the day after he died. I immediately told XXXX XXXX of XXXX XXXX apartments that my income abruptly stopped and I needed to move. My XXXX and I lived at that complex for XXXX years. I briefly lived with family and got a part time job a few months after my XXXX died. Ive lost nearly everything I own. Now Im XXXX, living in a hotel that costs my entire paycheck, while now working full time. No one will rent to me at all because I have Hunter Warfield double listed on my credit reports seeking over {$8000.00} in total for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> I am filing this FTC affidavit to report some fraudulent accounts appearing on my consumer FICO credit report this I don't recognize as reported and which are results of identity theft and fraudulent. These fraudulent accounts consist of the following XXXX XXXXXXXX {$10000.00} XXXX XXXX {$4500.00} XXXX XXXX {$170.00} XXXX XXXX {$210.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

Bank of America, XXXX XXXX, Florida has placed false information on my credit report that has prevented me from getting a home equity loan from XXXX. They show unpaid credit card bills for charges I've never made on cards I do not have. They also show charges as unpaid that I paid in person at the bank. 
When I called the president 's office in Texas, the secretary simply hangs up on me. When a male friend called on my behalf the woman answering the call ignores his conversation and launches into a chat about her children ... anything unrelated. 
When I call the Bank of America number supplied on my XXXX Report, one person tells me they'll take care of it, that it's fraud, when I call back another demands I pay the charges I didn't make. 
I spoke to my niece in NJ and she tells me about a similar experience. I think Bank of America should be investigated and major changes made. My attorney suggested I try first to work things out with the bank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by TransUnion and XXXX but is listed as " {$4700.00} '' by XXXX, leading XXXX discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by TransUnion and XXXX, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XXXX '' by TransUnion but " XXXX '' by XXXX, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, XXXX and XXXX report delinquencies of " 120 days late '' in XXXX and XXXX XXXX, while TransUnion does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXX XXXX XXXX XXXX XXXX. '' TransUnion provides no comments at all.