23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the month of XX/XX/2022 several call have been made to XXXX of my relative. The calls have been aggressive treats of civil suit in an different state. I have recented similar calls on my old phone I just lost last year. Now I have an gov free phone due to me finance issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact XXXX XXXX XXXX about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. 

I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. 

The amount settled was XXXX. XXXX settled for a lesser amount and sent me a XXXX for XXXX. 

When I spoke with XXXX, they were aware the account was paid.
Product: Credit reporting or other personal consumer reports

I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate.and according to the fcra 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.these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXare not complete and accurate. One more thing according to15usc 1681s-2 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.please delete these accounts.
Product: Credit reporting or other personal consumer reports

there has been hacks into Equifax XXXX XXXX and XXXX systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Money transfer, virtual currency, or money service

I am filing 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 own 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 card or prepaid card

On XX/XX/XXXX I was charged {$99.00} for a membership that was not supposed to be charged to my card until having attended a class at the XXXX XXXX XXXX, however the card was still charged, furthermore upon the company attempting to recharge my card for {$99.00} the merchant had to be blocked and my card removed from a subscription charge that I had not actually initiated, upon blocking the merchant with my bank Chime, and providing emails exchanged with the business, they sided with the merchant whom has impractical policies in place, stating that the XXXX is the only personnel whom had authority to cancel the subscription, however the XXXX did not respond to a phone call or email until XX/XX/XXXX/23 and proceeded to act justified in the stolen funds obtained on XX/XX/XXXXXXXX2023. My bank found no fault in this, when again the business intentionally derailed my request to cancel the fraudualent charges.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

After a mortgage company checked my credit, experian dropped my score by XXXX points. They have done this twice in XXXX years and it caused me to not get approved for the home loan. They also will not remove outdated information. This XXXX point drop has also gotten me denied for credit cards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Complaint of Unauthorized Access to Credit Report and Identity Theft Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding unauthorized access to my credit report, which constitutes a clear case of identity theft. 

Recently, I discovered that Experian accessed my credit report without my written consent for employment purposes. This unauthorized action is not only a violation of my rights but also a severe breach of trust, as I never granted permission for my information to be accessed or misused in this manner. 

Furthermore, I have noticed that my XXXXXXXX XXXX XXXX account, which are in good standing and shows no late payments. I discovered inaccurate information, showing a debt of {$17.00}, balance which is inaccurate. I've supplied Experian with supporting documents showing my account has been paid down to {$0.00} and the available balance shows {$200.00}. This inaccuracy has a negative impact on my credit history and it's alarming and unjustifiable. 

I urge the CFPB and FTC to investigate this matter thoroughly. I demand that Experian update this accurate information ASAP to complete my request. 

Please find attached the necessary documentation supporting my claims. I appreciate your prompt attention to this serious matter, and I look forward to your response. 

Sincerely,
Product: Debt collection

XXXX of XXXX, I contacted XXXX services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the XXXX XXXX  XXXX upon evidence of this agreement with XXXX XXXXXXXX XXXX 
When I explained my intention to a the XXXX representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the XXXX representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, despite my status as a homeless, unemployed XXXX Veteran. 

XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX  months. During this time, XXXX has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( XXXX  ), unfortunately XXXX XXXX XXXX started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than XXXX XXXX  of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. 

XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your XXXX will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.
Product: Debt collection

My Complaint is against Spring Oaks Capital. This Institution has violated my consumer rights reporting claims that I owe them a debt of over XXXX $ that I do not owe them. I never received any communication from them before they placed derogatory information on my credit profile including no notification of my right to dispute the debt. Which is a violation of my consumer rights. They have slandered my credit report with erroneous information that has rendered me unable to be approved for new credit. I've sent written requests in XX/XX/2022, and XX/XX/2022 directly to the institution requesting that they send me validation of the debt or cease all reporting and collection attempts ( see attachment ). They have not responded in the allotted timeframe of 30 days which is another violation of the FCDPA. Yet still reporting this information monthly on my consumer profile. I went further and requested that XXXX Credit Bureau complete an investigation of completely verifying this account that they have also allowed to remain on my credit profile ( see attachment ). The results came back verified with-in a few days. With no explanation of the method of verification, and happily marked my ongoing dispute as resolved ( see attachment of credit report ). XXXX has failed to conduct a full and thorough investigation which is again another violation of my consumer rights as defined by the FCRA. Additionally, I have filed a complaint against them with the Federal Trade Commission ( see attachment ) for the negligence of both parties to operate by Federal statutes and guidelines. 
I want this erroneous and unverified information removed from my credit profile Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX on XX/XX/2020 from XXXX  verified the acct as being accurate but the communication I received on XX/XX/2020, from a direct dispute with XXXX XXXX XXXX XXXX provided a different alleged amount due, a different address and company name from what is being reported on my credit report. This subterfuge being portrayed can not be verified or validated. It is hurting my ability to obtain credit and financial wellbeing.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are reporting inaccurate, illegal late payments XX/XX/XXXX XXXX showing late XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXXCapital One Walmart XXXX Showing late XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

Shellpoint Mortgage incorrectly and grievously submitted to all the credit bureaus that I was late paying my mortgage payments in XXXX and XXXX of XXXX  as a result substantially lowering my credit score. Shellpoint Mortgage reported that I was late on my mortgage payments in XXXX and XXXX of XXXX. I have called 2x and was told that they would remedy the situation, because it was their fault. The did this with XXXX but not with XXXX or XXXX. I submitted a dispute with XXXX and XXXX told me when they spoke to Shellpoint they told them that my dispute was incorrect and that I was late with my mortgage even though I was told by Shellpoint that they knew they made the mistake and that they would rectify it. I don't appreciate being lied to by Shellpoint when they said they would take care of this credit reporting mess, I don't appreciate having to take time in my busy day to have to call them 3x to try to get this sorted. And I really don't like that they hosed over my credit score due to there negligence and are not fixing their mistake. 

I was unaware that there was an increase in my home owners insurance and a change in my escrow, changing my mortgage payment amount. Shellpoint claims that they sent out a updated escrow analysis in XXXX of XXXX. Attached is a document that Shellpoint sent me today that proves that they sent the XX/XX/2024 document - notification of the change to my monthly payment to the WRONG address ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) instead of the XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX address where the property is located. Because of this error I did not know that the amount of the monthly mortgage payment had changed until I spoke them in late XXXX. This attached pdf also states that Shellpoint did receive the {$1500.00} payments for XXXX and XXXX on-time but they chose not to deposit those payment until much later. 

I can not and should not be responsible for Shellpoint 's errors, and with no knowledge of the new mortgage amount or control as to if or when they are depositing the mortgage payments I made ( on-time ) and therefore should not be penalized by Shellpoint 's claim that my mortgage payments were not made on time that has been reported to the credit bureaus. 

Also attached is my online bank transaction log showing the mortgage payment in question sent to Shellpoint on-time, and a statement showing how long it took for Shellpoint to actually deposits those same payments.
Product: Credit reporting or other personal consumer reports

It's been over XXXX  days since i sent the letters to the credit burau I waited more then XXXX days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from Equifax and XXXX but still show on XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Depot was my mortgage provider. I had my payments set up on auto pay through my bank. Loan Depot informed me that I did not make my XX/XX/2022 payment, however, the funds were showing they were removed from my account. I was is in constant contact with Loan Depot including sending them multiple emails documenting the removal of funds. Apparently they failed to cash the check and the funds were restored to my account. I sent them the payment that day through an automated draft directly from my account. Loan depot then proceeded to report a late mortgage payment to my credit report. I have never missed a mortgage payment in my life. I rarely spoke to the same person twice and the customer service was horrible.
Product: Credit reporting or other personal consumer reports

There was a data breach and my information and account were compromised.I informed Capital One of this problem
Product: Credit reporting or other personal consumer reports

Transunion, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion in action violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and JEFFERSON CAPITAL SYSTEMS , LLC were contacted and instructed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant regarding an alleged XXXX XXXX debt. 

The claim by JEFFERSON CAPITAL SYSTEMS , LLC. was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete XXXX XXXX  Format compliance of reporting. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified XXXX XXXX XXXX reporting. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEMS , LLC are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.
Product: Credit card

I recently made a payment on XX/XX/XXXX. Prior to that I made two payments. One in XXXX and had a problem with insufficient funds. Second payment I got the account number wrong so it bounced back. I agree to these payments. Lastly I was told by XXXX XXXX I made a payment from a XXXX  account which is not mines. I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last 3 months. I have am had a XXXX XXXX episode which kept me out of normal day to day life for 4 months. I am trying to get myself back together now and made a payment only for my account to be closed. I need access to credit all of this has destroyed my life. I need assistance with this.
Product: Student loan

I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS. 

This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true! 

AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...
Product: Credit reporting or other personal consumer reports

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. 
The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.