23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a consumer and home owner. I've been receiving letters everyday ( except the weekend ) since XX/XX/2022 from several different attorneys, debt collectors, home foreclosure advertisements stating that my home is in the process of being foreclosed by XXXX. Because I haven't received any prior information or knowledge of this taking place, this is a violation of the FDCPA in so many ways : 1. I wasn't given any options or a way to settle the alleged debt ( that was never verified that I owed ) that was claimed I owed. 2. Without prior knowledge that a foreclosure was in the works, XXXX has taken matters into their own hands and moved towards the process to foreclose my home and have it listed in auction. 3. They falsified documents to make it look like I owed a third party lender ( which whom I never signed a contract with to even state or agreed I owed ) and never paid. 4. They've shared my private information to these sellers, credit bureaus and agencies, and legal advocates which I did not give my consent for. 5. Coercion - I was told that if I didn't pay the house in full within six months from the date I was given the notice of my home being foreclosed, that I would lose my home unless I pay a fee to claim and file bankruptcy. XXXX. Defamation of character. Right now I'm facing foreclosure even though my home has been paid.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is an invalid debt due to invalid Lien on Property and debt is paid. XXXX XXXX XXXX transferred this debt while Complaint was filed with the Inspector General here in Georgia and documents showing that XXXX had flied an Fraudulent title removing XXXX XXXX from XXXX illegally and placing themselves in First Lien Position then transferring the Fraudulent debt to LoanCare ( XXXX while still in Court. Forensic Audit as well as XXXX HUD ( XXXX XXXX , Director ) verified that this is an Invalid Lien and ask XXXX not to file Foreclosure Proceedings. XXXX then transferred this fraudulent debt to LoanCare Servicing to pursue an illegal debt and pursuing a wrongful foreclosure while this case is in Litigation with the Courts. I never signed any agreement with XXXX nor LoanCare. Documents upon request
Product: Credit card or prepaid card

I informed Capital One Bank I have been a victim of identity theft for over 20 years. I have sent Capital One Bank numerous identification documentation for verification of my identity and home address. Capital One Bank just close my secured Capital One Platinum MasterCard : XXXX due to identity theft issues again. Capital One Bank should not have close my account because I did apply for the Capital One Platinum MasterCard account. The was my credit card account and was not opened because of identity theft or a complaint made to the three major credit bureaus. I did open the platinum MasterCard account and want my account reactivated and back open because it was my account I applied for and opened. There was no fraud or identity theft issues made on my account.
Product: Debt collection

I trust this letter finds you well. I am writing to address the late payments reported on my credit file linked to my XXXX  XXXX XXXX account ( Account Number : XXXX ), specifically for XX/XX/scrub>XXXX  2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX  TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted letters identifying the errors on my credit report in hope of resolving the errors. I have provided ample information to identify myself. I have discussed the errors over the phone with the major credit bureaus. I have shown them in numerous instances where the information is erroneous. Please see attached letters. 

On XX/XX/2024 I submitted another letter to the FCRA section 611 ( 15 u.s.c. 1681 ( 1 ) and the accepted standard of XX/XX/XXXX data field reporting. challenging the erroneous data in hope of making sure my credit is in good standing. Please see attached letters corresponding with dates. 


On XX/XX/2024 I voiced my concerns regarding the validity and accuracy about recent preliminary inquiry of the accounts reported on my credit report. About 30 days ago and did not get any response.
Product: Checking or savings account

On XX/XX/year> I opened a account with Citibank. The teller informed me I would receive my debit card in a week, XXXX weeks went past. I went to deposit my second payroll cheand to find out why I haven't received my debit card. A week went by and I then was informed my account would be closed because of fraud. I asked would my fund be returned to me and I was told yes, that a check would be mail to me. I received a statement in XXXX for the amount of {$1200.00}. I received a check in the amount of {$6.00}. When I went to the bank to find out what was going on I was then told my check couldn't be verified and to check with my employer. My employer informed my the check was deposited and cashed. I was by the bank that they couldn't provide me any information to why the account was closed and to verify the checks I deposited.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer service and unfair practices which violate the consumer financial protection act.cash app failed to take time and a effective measure to prevent and adress fraud in thier platform leaving me and my account vulnerable and unprotected.thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements stated by law.this has caused many inconveniences for me including financial loss.i seek redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported me 30d late when I was not. My XXXX report indicates the delinquency on the month of XX/XX/XXXX reporting which indicates that the XX/XX/XXXX payment was delinquent ( due to 1 month in arrears reporting ). I made my payment, which was drafted from my bank account on XX/XX/XXXX. I attempted to dispute the delinquency of both XX/XX/XXXX and XX/XX/2018. The company sent me a generic letter advising that they were reporting accurately. THE LETTER GAVE ZERO DETAILS. what month did they research. What was the date of payment receipt? Date of phone pay? I reiterate that I was told by the representative whom confirmed with their manager that I would not be reported delinquent on either my XX/XX/XXXX or XX/XX/XXXX payment ( not sure now that the report is saying XX/XX/XXXX late ) There is recording of my conversation and my multiple reassurances that there wouldn't be any negative reporting when I spoke to them in XX/XX/XXXX. I also believe that they took an alternative ( manager approved exception ) payment method of credit card as opposed to their standard check/bank account transaction. 

Responsible Servicing- inaccurate information provided multiple times which caused me financial harm FCRA- previous response did not address specific items disputed, credit report was not suppressed for 60d after the dispute, & request for the CBR research department to remove the XB dispute notation not fulfilled ( on recorded call when I initiated the CBR dispute )
Product: Bank account or service

I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.
Product: Credit reporting or other personal consumer reports

On several occasions, I have written to XXXX XXXX XXXX XXXX XXXX XXXX to verify an alleged debt. I have yet to receive a response. They are displaying this on my credit bureau report. This is not my account. They have it linked to an address I have never lived at. 


XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX .....
Product: Debt collection

insured by the XXXX  at time of us this bill, I am on ssi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Debt collection

I bought a home XXXX XXXX XXXX XXXX XXXX Illinois. I was flooded and destroyed. Pipes were broken and the home was vandalized. Police was notified by XXXX a day after the flooding happened because the neighborhood told me water was coming into their house from mines days before. A faulty XXXX  system was to blame obviously. Why should I have to pay for that?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXXXXXX XXXX XXXX {$620.00}.
Product: Debt collection

I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ). Please provide the following information : 1. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated. 2. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt. 3. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.
Product: Credit reporting

I am filing a complaint with Experian. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from Experian. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.
Product: Debt collection

A few months ago this random company showed up on my credit report saying I owed money. I have no loans and have never heard of them. They suddenly send me fliers asking that I pay them. I attempted to reach out numerous times for verification and they just send more requests for money. I attempted to dispute on credit report but they fought it without providing me proof.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the original loan with XXXX, an online company. 

XXXX has gone out of business and sold their loans to Systems & Services Technologies ( SST ) as of XX/XX/scrub>XXXX XXXX 

My loan balance transferred to SST was {$8300.00}, at 20.24 % interest, amortized over 5 years with monthly payments due of {$220.00}. The information and statements provided by SST do not break down how much of each payment is going to interest and how much to the principal. 

On XX/XX/year> I made my first payment to SST. I paid {$300.00}, {$75.00} over the required payment.

Instead of applying the additional {$75.00} to my principal, SST took it as extra interest, applying just {$72.00} to my principal and {$220.00} to interest. 

I spent an hour on the phone ( mostly on hold ) with SST customer service on XX/XX/year>. The agent kept trying to tell me the opposite had occurred, that {$72.00} went to interest and the rest to principal. I pointed out that this was not correct, which was easily confirmed by comparing the ending balance to the beginning balance. I was finally told someone from billing would email me and I should call back if I didn't hear anything. 

I called SST back today, XX/XX/year>, because I hadn't heard anything. After extended time on hold, the agent relayed the explanation she was given, something about interest accruing between my last payment to XXXX on XX/XX/year> and my first payment to SST on XX/XX/year> accounting for the extra amount applied to interest. I advised the agent this was absolutely incorrect, and that the only acceptable resolution of this mistake is for the extra payment to be applied to the principal, this month and every month that I pay over the {$220.00} due. 

The agent put me on hold again, then came back with a story about " upper management '' reviewing and resolving the issue, and that this would take another 2 or 3 days. I asked if they were just putting me off again, and if I was going to find myself making this phone call over and over without the situation ever being resolved, and the agent agreed that this was what was going to happen.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. This account was already PAID. I am no longer indebted to this company or its practices. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 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
Product: Credit reporting or other personal consumer reports

This is the filling of my complaint to XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.
Product: Debt collection

Firstly, National Credit Systems Inc. reported a collection of {$5500.00} to my XXXX account. I totally don't know this collection, it doesn't belong me. I disputed in XXXX and called National Credit Systems Inc. for this issue. National Credit Systems Inc. asked my information including SSN and address, and said that I don't need to do anything except ignore this wrong information. But several weeks later, I received a letter from National Credit Systems Inc.. They asked me to pay this collection. I called them again and they said that the collection is not mine, and this letter send to me by mistake. However, National Credit Systems Inc. reported this collection again to XXXX, XXXX and XXXX after the call. I need to dispute again and again to delete this collection. I suspect that they defrauded my personal information and updated it to the collection. it caused me to fail in the XXXX   dispute. Their behavior damaged my credit, directly causing two extra hard pull, failure to apply apartment and credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 as part of my auto insurance packet I received insurance Scoring and Fair Credit Reporting Act Notice stating that I can contact LexisNexis to obtain free copy of consumer report. 

I filled out request on XXXX within week of receiving insurance packet. On XX/XX/2021 I received notice from LexisNexis via mail stating that " LexisNexis ... was unable to locate a file sufficiently matching your data ''. 
Assigned Case # XXXX On XX/XX/2021 I contacted LexisNexis via email ( XXXX ) providing copy of the - LexisNexis notice - XXXX XXXX XXXX and Fair Credit Reporting Act Notice with information that should help locate my record On XX/XX/2021 I received email communication from LexisNexis with request for copy of my Driver 's License ( Case # XXXX [ Incident : XXXX ] ). 

I have submitted copy of my DL on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX : XXXX ] [ XXXX : XXXX ] ). 

On XX/XX/2021, I asked LexisNexis to update me on the status of my request ( email sent to XXXX ). 

On XX/XX/2021, I asked LexisNexis again to update me on the status of my request ( email sent to XXXX ). 

As of XX/XX/2021, I have not received any response.
Product: Student loan

On XXXX/XXXX/24, I made a payment in the amount of {$340.00}. {$250.00} was credited toward the principal amount, and {$95.00} was credited toward interest. Upon payment on XX/XX/year>24, the interest held on my account was {$0.00}. 

On XX/XX/year>24, I received Exhibit A which indicated that forbearance was set to end on XX/XX/year>24 and that would {$200.00} deducted from my account on XX/XX/year>24. I received no prior notification that my account was placed into forbearance and this amount was not deducted. 

On XX/XX/year>24, I received Exhibit B which indicated that my account was placed into forbearance and that the interest rate would be set to 0 %. 

Exhibit C dated XX/XX/scrub>/24 shows that the unpaid interest held on account was {$9.00} and that {$200.00} would be deducted from my account on XXXX/XXXX/24. 

On XX/XX/scrub>/24, I received Exhibit D which indicated that {$200.00} would be deducted from my account on XX/XX/year>24. This amount was not deducted. 

On XX/XX/year>24, I received Exhibit E which indicated unpaid interest held on the account to be {$100.00} and that {$200.00} would be deducted from my account on XX/XX/year>24. This shows that interest continued to accrue even though Advantage indicated that my account was in forbearance during this time and the amount was not deducted from my account. As of XX/XX/year>24, I have received no additional statements from Aidvantage. 

On XX/XX/year>24, I received Exhibit F, which indicated that forbearance was set to end on XXXX/XXXX/24 and that {$200.00} would be deducted from my account on XX/XX/scrub>/24. This amount was not deducted. 

On XX/XX/scrub>/24, I received Exhibit G which indicated {$190.00} of unpaid interest held on my account. On XX/XX/scrub>/24, I received Exhibit H which indicated that my account was placed into forbearance and that interest rates were set to 0 %. 

On XX/XX/year>24, I received Exhibit I which indicated that the 0 % interest rate reduction was completed on XX/XX/year>24. 

As of XX/XX/scrub>/24, according to Aidvantage, the unpaid interest held on my account is {$190.00}. I have spoken to Aidvantage numerous times regarding the incorrect accrual of interest during the forbearance, and I have requested the amount be corrected on numerous occasions with no success. Currently, my loans are shown to be in Administrative Forbearance until XXXX/XXXX/24.
Product: Credit card or prepaid card

On my monthly XXXX credit report it keeps showing a JPMCB credit card account. I have no such account! Currently it shows a balance of {$16000.00} and a credit limit of {$38000.00} on the card. I have tried calling the Chase number listed on the report but because I can't give them a card account number and refuse to give them my SS # they refuse to help. I have made this call more than once. Because of purchase activity on this card my credit rating fluctuates monthly. The information on my report reads as follows : Company JPMCB Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account balance {$16000.00} Credit limit {$38000.00} I do have one credit card through XXXX XXXX XXXX XXXX but it has no connection with JPMCB.