23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original debt comes from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  and was wrongfully sold to National credit System collection agency. It was sent to collections around XXXX of XXXX. Prior to ending my lease I gave proper notice and made sure all account balances was paid. I wrote down XXXX forwarding addresses, updated email address and my cell phone number for points of contact. I was discussed via email and lease agreement that if charges was for move out were needed that we would get a notice within 14-28 days after move out. Once we moved out our account portals were closed and denied loggings because we was no longer residents. The only viable point of contact would be the methods listed on move out contact paper ( forwarding email, address and cell ) when we turned in keys XXXX of XXXX. 
I was never given the chance to dispute directly with the apartment and was only contacted after it was sent to collections. When I was contacted it was from spam numbers not reflecting to the apartments name/management nor did the numbers have the XXXX XXXX XXXX code. I received a text message in the XXXX  of XXXX  after already being moved into my new apartment stating that a manager was sending my account to collections and there is not room for disputes. That was the only message pertaining to the debt that I received before seeing the collection on my credit. 
My attempts to plea, and stop the charges were continuously denied and met with aggressive, hostile behaviors. I tried to send pictures to compare damages and highlight points in the lease that deemed charges not valid. I explained that when the tailwind company purchases the property in the middle of the lease that i had previously signed from XXXX ; that some wall repairs were already excused. I also tried to negotiate a price and explain that I'm not refusing to pay I just don't think I accrued XXXX worth of damages. Given my roommate was charged XXXX. Damages are supposed to be totaled per individuated leased room and common area props was split. 
I asked the apartment and collection agency to send itemized list of the charges and a description of charges to validate XXXX worth. I never received it. I've been trying contact both parties ( via phone and email ) with the various numbers listed on credit reports.I haven't gotten a response yet. 
I'm wrongfully being charged for a price that does not reflect my residency at XXXX XXXX. I was a superb tenant who always paid on time ( often moths in adavance ), never got complaints, and kept a clean unit. I never got proper notice or the chance to dispute internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing fraudulent inquiries to stay on my credit report. I have informed them about this several times and I sent them my FTC claim through BOTH mail and fax SEVERAL times. Last time I spoke to them they said that they see my letter which was sent with my FTC claim, but not my FTC claim. This can only mean that they are misplacing my private documents which is UNACCEPTABLE. First, I did not give them authorization to have ANY of my alleged personal information in the first place, but they are also misplacing my documents that I have to send them because they are reporting FRAUDULENT things on my credit this is ridiculous. Please rectify this situation immediately.
Product: Prepaid card

On XX/XX/XXXX someone unlawfully requested and received a Direct Express Debit Card ending in XXXX. 
In XXXX of XXXX I was forced to go back to Direct Express ( this is where I receive my monthly social security benefit check ). I received card ending in XXXX. Within XXXX hours of learning that card ending in XXXX was issued XXXX months prior, the card was stolen. I reported this immediately to Direct Express. According to Direct Express '' s mobile app this card is associated with my current card and as recent as XX/XX/XXXX this card shows debit activity. The same thing for another debit card ending in XXXX. That card was reported lost/stolen in XX/XX/XXXX and shows debit/adjusted credit and debit activity as recent as XX/XX/XXXX. The dates correlate to when I have physically changed geographic locations. More concerning is the fact that Social Security shows " multiple payment accounts '' in conjunction to how and where my monthly benefits are direct deposited. I recently submitted a complaint about missing refunds from XXXX that were supposed to be credited back to my direct express debit card but have mysteriously " disappeared ''. I just received two letters from an " advocacy group '' representing themselves as representatives from Direct Express but the letters have the incorrect XXXX  numbers associated with my complaints as well as a New York number when in fact Direct Express is located in XXXX XXXX Texas.
Product: Mortgage

I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.
Product: Debt collection

I paid XXXX XXXX XXXX  in full and closed my credit card account. XXXX XXXX XXXX then sold the paid account to Resurgent capital services. XXXX XXXX XXXX reported to my credit report, I disputed the matter and proved the payments were made and that I closed the account. XXXX XXXX report was found truthful and deleted from credit report. Resurgent capital services has failed to acknowledge the payments made to XXXX  XXXX XXXX and has reported the charges to my credit report. I have tried multiple times to prove that the account they are trying to collect on, was in fact a paid and closed account. I have provided evidence of payments & credit report status stating the account was paid and closed.
Product: Debt collection

XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.
Product: Vehicle loan or lease

The vehicle was sold over a year ago for XXXX, plus it had gap insurance Ive reached out to flagship credit to update this information as well as provide proof this was opened fraudulently by someone with a similar name they refuse to provide me any documentation on the account but have added it to my credit report
Product: Debt collection

I have XXXX collections on my credit report XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I never signed into a contract with any of the 3 collection agency and I don't owe any debt that they are attempting to collect on and also neither of the 3 is Licensed and Bonded to do any business in the state that I am living in so how is they reporting anything on my credit report this is a violation of my rights
Product: Credit reporting or other personal consumer reports

this account is still on my report and being wrongfully updated by XXXX  XXXX and transuioin the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

After I received a copy of my credit report and I have found the following items listed below to be in error. These account are listed with late or missed payments and that is incorrect. The following account were never late and should be listed as PAYS AS AGREED.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, XXXX, and Experian. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against Experian and XXXX XXXX for failing to remove an inaccurate bankruptcy entry from my credit report, despite submitting an FTC report that clearly identifies the error. 

XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B ( 15 U.S.C. 1681c-2 ), a credit reporting agency must remove a bankruptcy filing from a consumer 's credit report if the bankruptcy information can not be verified or is not accurate. Both Experian and XXXX XXXX have repeatedly verified the bankruptcy entry, despite my providing evidence, including an FTC report, that the bankruptcy should not be listed. Additionally, the court has confirmed it does not verify bankruptcy information directly with credit bureaus, further supporting my claim of inaccurate reporting. 

Despite my efforts, both agencies have refused to remove the inaccurate bankruptcy from my credit report. I am requesting that the CFPB intervene to ensure compliance with the law and rectify this ongoing issue. 

Thank you for your attention to this matter.
Product: Mortgage

Closed on my home and taxes were paid at closing. BSI Financial paid the taxes out escrow and I called to advise them to refund is needed. Called on XXXX XXXX, XXXX XXXX ; XXXX. I was told account will need to investigate and call me back with the finding XXXX hrs. Well is been over XXXX hours as Wednesday XX/XX/2022 and it Friday XX/XX/2022 no call or email.
Product: Credit card or prepaid card

Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To : ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Deletion of Fraudulent Accounts - XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems File ID ( if applicable ) : [ Insert ID or SSN if preferred ] To Whom It May Concern, I am writing to formally dispute the continued reporting and alleged " verification '' of two fraudulent accounts in my ChexSystems file associated with XXXX XXXX XXXX XXXX XXXX XXXX. I previously submitted a comprehensive identity theft report over three months ago, which included the following : - A copy of my government-issued photo ID - A written statement detailing the identity theft - An official police report ( attached again here ) - An FTC Identity Theft Affidavit - Proof of my current address and SSN Despite this, ChexSystems has failed to block and delete the fraudulent accounts as mandated under 15 U.S.C. 1681c-2. These accounts were wrongfully " verified '' without a reasonable reinvestigation as required under 15 U.S.C. 1681i. Moreover, this continued reporting is causing ongoing harm : I am being denied services from other financial institutions solely due to ChexSystems ' inaccurate reporting. This is not just a matter of reporting errors ; Additionally, I am requesting clarification on how these accounts were allegedly verified. The documentation I received during the ChexSystems dispute came from a XXXX XXXX XXXXbranded document assumed to be a banking statement and did not originate from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This raises serious concerns about the validity of the verification process and whether the proper data furnishers were even contacted. XXXX  XXXX XXXX has acknowledged my CFPB complaint and is using all of the contact information I provided to CHEXSTEMS AND THE CFPB to not ONLY update their systems but also, they have been attempting to contact Me by phone and email as well. ChexSystems continues to report incorrect information, indicating that ChexSystems ' data is influencing current decision-making processes, despite my documented identity theft and the legal requirement to block this information. Per 15 U.S.C. 1681b, ChexSystems is unlawfully providing access to my consumer information without a permissible purpose, given that the fraudulent accounts should have been blocked under 15 U.S.C. 1681c-2.

I am demanding the following immediate actions : 1. Complete deletion of the XXXX XXXX XXXX XXXX XXXX XXXX accounts from my file. 
2. Written confirmation of removal within 5 business days.

3. Cease and desist all further reporting of these accounts.

4. A current copy of my updated consumer file.

5. A full explanation of how these accounts were verified, including which financial institution provided verification and on what basis. 

This is my final notice before pursuing further action through the FTC and possible legal claims under 15U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been contacted since XXXX for a debt from XXXX XXXX XXXX incurred at the end of 2022. I have disputed the bill multiple times, and have sent XXXX letters requesting that they stop all collection calls and written notices to me regarding this debt, and to refer any further actions to my attorney. Since I have sent the letters requesting they stop contacting me, I have received XXXX letters and XXXX phone calls about the debt. They have not addressed my dispute reasons, and refuse to stop contacting me, as required by federal collection guidelines.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXX XXXX - DATE XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Please refer to Case # XXXX. I received a response about the {$1000.00} bonus. It stated that I met the terms and conditions of the bonus and that the {$1000.00} bonus would be paid by XX/XX/XXXX. It still has not been paid. I attached Citibank 's response dated XX/XX/XXXX that I would get the {$1000.00} bonus by XX/XX/XXXX. Please escalate this.
Product: Debt collection

An account for JARED-GALLERIA/XXXX  still appearing on my credit report. But i talk to someone to pay the complete balance and it would be removed in positive and its still showing negative. The account was paid in full already
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with Equifax.