23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, through their Attorneys Hunt and Henriques, filed a complaint with the XXXX XXXX XXXX for judgment on a credit card debt. I repeatedly informed XXXX XXXX that I was a victim of identity theft. A report was filed with the XXXX XXXX XXXX Sheriff 's Department. The court granted a notice of default in XXXX XXXXXXXX XXXX favor on XX/XX/XXXX. On XX/XX/XXXX, the court granted my motion to reopen the proceedings due to improper service. The court then granted my motion to dismiss, set- aside, and vacate the XX/XX/XXXX default and any writ of possession/execution. XXXX XXXX, through their Attorneys, filed a writ of execution and Levy on XX/XX/XXXX. The writ improperly referenced the default order date of XX/XX/XXXX. XXXX XXXX and their attorneys misrepresented a material fact by alleging a default date that was vacated by the court on XX/XX/XXXX. As a result of their conduct, the sheriff 's department executed a Levy for {$3700.00}, which has been deducted from my Savings account.
Product: Credit reporting or other personal consumer reports

I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal law.
Product: Debt or credit management

I was coerced into paying a high payment. I do not know if XXXX  is going to right person/persons. I do NOT trust this company.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get the report from XXXX and Transunion. 
This is the error I get when I perform the steps to get the Transunion report. 

We are unable to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

I called Transunion multiple times and have been transferred from one department to other like Main number, Consumer interactive, Special handling department and online support team but no luck. 

Here are the numbers I called in the past few days. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion along with other companies XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.
Product: Credit card or prepaid card

JP Morgan Chase defrauds credit card customers with hidden interest rate charges related to zero interest loans. 

Situation : Earlier this year I borrowed a zero percent credit card loan from my JP Morgan Chase Credit Card. Later I found I was being charged interest of 17.49 % p.a. on purchases, but on what amount of purchases? It was not disclosed on the credit card statement. After telephone calls with Chase, I found that the only way to determine the purchase amount was to subtract the zero interest loan balance from the credit card balance as shown on the statement, but the zero interest loan balance was also not shown on the credit card statement. In June I had to speak with a Chase credit card representative to find out the zero interest loan balance.

I spoke with representatives twice. The first explanation of the interest charges was vague, confusing and incorrect. The second was correct. I was told the amount of the loan balance and the method to eliminate the interest charges : sequentially first pay off the minimum amount due ( {$140.00} in my case ), then separately pay off the purchases ( {$220.00} in my case ), calculated as follows : Amount Source Credit Card Balance {$14000.00} Credit Card Statement ( Exhibit 1 ) Less Zero Interest Loan {$14000.00} Chase Representative ( by Phone ) Purchases {$220.00} My Calculation on which 17.49 % Interest is to be Charged Interest Charges {$2.00} Credit Card Statement ( Exhibit 1 ) JP Morgan Chases practices are deceptive and fraudulent, resulting in consumers unknowingly paying punitively high interest charges without knowing how to avoid them. This practice represents another worse in consumer credit card banking, lacking full disclosure and proper transparency.
Product: Credit reporting or other personal consumer reports

My phone which was on payment plan with XXXX XXXX XXXX was damaged. I had been paying for a protection plan for the phone and submit a claim with their insurer. The insurer delivered a new phone and a pre-posted return box. I returned the broken phone. I then cancelled my service with XXXX XXXX XXXX in good standing, paid off the remaining balance on the new phone and ported out my number to XXXX XXXX Three months later, XXXX XXXX XXXX charged my credit card a " non-return fee '' according to their insurance policy. I checked the USPS tracking number and verified that the phone was returned, delivered, and signed for by their returns department. I contacted XXXX XXXX XXXX about this, but they informed me that since I ported out my number they could not locate my account. I disputed the charge with XXXX XXXX, provided all the documentation including showing that my account was paid in full and that the broken phone was returned. XXXX XXXX XXXX rejected the dispute, so I reopened the dispute with XXXX XXXXXXXX. XXXX & XXXX failed to provide proof that the charge was valid, so the charge back and credit to my account stayed. XXXX XXXX XXXX then hired a series of collections companies to attempt to make me pay for the fraudulent charge. Credence Resource Management put a derogatory collections account on my XXXX and XXXX credit reports. I started a dispute with XXXX and provided them with all the evidence proving that the charge was fraudulent and invalod. The outcome of the dispute with XXXX was that Credence Resource Management maintains that the account is past due. They did not offer any contrary evidence supporting the validity of the charge and did not perform an adequate job of investigating and correctly reporting my accounts. This negatively impacts my credit score and obtain credit and financing on favorable terms. The impact to my credit report was going from a score of approximately XXXX down to XXXX.
Product: Credit card or prepaid card

My complaint is with Capitol One. I opened an account in XX/XX/XXXX credit line agreement for {$300.00} with a promise. My first initial payment was {$25.00} with promise to increase my credit limit to {$500.00} after 6 payments. I dispute how my account was handled. I was assigned 3 accounts XXXX, # XXXX and XXXX.because of a computer breech.

I finally received a final bill showing a balance amount not due. I requested an investigation on these accounts before an Attorney XXXX XXXX. He advise me to complete an application for XXXX XXXX before XX/XX/XXXX. I am still receiving bill statement with the incorrect balance amount. Capitol One has not transferred any payments made by myself to the new balance account transfer without explanation from two accounts ending XXXX and XXXX. No current purchases since XX/XX/XXXX. Account closed at the customer request. No consideration to provide me with Consumer protection.
Product: Credit card or prepaid card

On XX/XX/2022 a check in the amount of {$4100.00} was sent to Barclay Bank Delaware in XXXX. At that time, I owed {$4000.00} on the card. The check cleared the bank on XX/XX/2022 and was cashed by Barclay. I placed calls to them on XX/XX/2022, XX/XX/2022 and again on XX/XX/2022. My online credit card account was not showing the amount applied to my account. After multiple departments and wrong information, I was told to send in a copy of the cashed checked with the Barclay endorsement via email. I sent it on XX/XX/2022 attn : XXXX XXXX at XXXX # XXXX to the email XXXX. I have called every Friday since and they keep telling me they have not yet found my cashed payment and continue to charge me late fees and interest charges. They also continue to report me to the credit bureau as a delinquent account. I have called XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 for updates. As of today, XX/XX/2022, the representative said they did not have the email I sent and I should make additional payments. I am begging for help resolving this matter. I have all the correspondence I have sent to them, emails and the cashed check. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are being reported illegally in my credit report. I did not do business with them and I do not know how they got my information.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name : XXXX XXXX, Account Number : XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Mortgage

XX/XX/XXXX Negligent Mortgage Servicing Home Mortgage Account Number XXXX The above refinance loan from the XXXX XXXX XXXX closed in XX/XX/XXXX. In reviewing the closing documents in XX/XX/XXXX, I discovered that US Bank Home Mortgage, the loan service, had failed to record the transfer of the loan with the XXXX DC Recorder of Deeds, and had failed to send me the Deed of Trust and the Certificate of Title Insurance. I spoke with the Closing Agent, XXXX XXXX XXXX, concerning this matter, and he advised me to speak to US Bank Loan Officer XXXX XXXX. I informed XXXX XXXX that US Bank had failed to forward the Deed of Trust and other documents. He promised to forward the Deed of Trust but did not follow through. I subsequently reported this situation to US Bank Customer Service in XX/XX/XXXX. They responded to my complaint by sending me a copy of the Closing Document. Surely US Bank knows that a closing can not occur without the borrower having a copy of the Closing Document. I again wrote to US Bank on XX/XX/XXXX, indicating the above information. The response from the bank was a promise to look into the matter. A careful reading of the banks letter reveals its reticence concerning the Deed of Trust, the Certificate of Title Insurance, and the recording of the transfer of the loan with the DC  Recorder of Deeds. US Banks failure to complete these steps in the loan process violates my interests and contravenes the law. I should be grateful if you would kindly pursue this matter with US Bank.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED HARD INQUIRIES REPORTED TO CREDIT WITHOUT KNOWLEDGE OR CONSENT.
Product: Credit reporting or other personal consumer reports

Im new with this credit thing I dont know how it really works so I dont try doing anything but yesterday my girlfriend wanted to see if I had credit because I never talk about it so she pretended to get on my app and told me that I have have over 15 inquiries in didnt know what that was but she explained and after she explained she found a address on my account and it is my ex-girlfriend address and her number is on there so I tried calling Experian the number kep going to voicemail I just wanted to let them know that none of those enquirers came from me and I wanted to tell them that I was trying to lock my account but for some reason I keep getting a email saying that I unlocked it when I wasnt on it
Product: Credit card

My statement dated XXXX with due date of XXXX balance was {$45.00}. I paid {$45.00} on XX/XX/year>. They then billed me {$2.00} for fees on statement XX/XX/year> with due date of XX/XX/year>. I disputed this and they then charged me with a return check fee of {$30.00}. I provided to them my bank statement and a letter from my bank stating that there was never a return check to them.They then charged my account late fees for the return check fee how ever credited my account the fees that I never should have been charged. I have requested for my account to be closed with them so I do not get any additional false charges. However, I have requested for the return check fee to be removed, and now also the late fees that I never should have received since I never should have had a balance. Now they are saying they can not credit my account because I closed it. I went from having a zero balance of paying in full on XXXX to now having a balance of XXXX when I haven't even used my card. I ask for help with resolving these charges that I never should have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

I called TSI Transworld Systems Inc as they sent me many letters and bills regarding a debt from XXXX XXXX for {$1800.00} which was not mine. 
This debt was not mine and they gave me no information and repeatedly sent me letters which threatened they would go to my workplace regarding the debt.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX XXXX due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX : XXXX XXXX Collection/Charge Off XXXX XXXX  XXXX XX/XX/XXXX {$11000.00} XXXX  XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} Late XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX-XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NOT INCLUDED IN THE DISPUTE XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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. 

XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX  Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).