23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. 
Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. 

I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 
DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I purchased theater tickets from a look alike website. When I called the theater to ask about the performance I was told that I had no tickets purchased. I immediately called Chase to report a fraud claim. After they reviewed my claim I was told that I didn't follow the website 's return policy so the charge was valid. 

I requested they reconsider and was told there was no billing error and that the charge was valid. My claim was never about a billing error. I was charged for a product that was never delivered by a fraudulent website. 

Chase has decided to hand over my money to the fraudsters without even looking at the 'real ' complaint. It seems that they don't take fraud seriously and don't care if it costs their customers. I am no longer a Chase customer.
Product: Debt collection

Company attempted to file judgement for a debt resulting from identity theft. I file a response & explained this was identity theft and they keep filing to collect from me.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the mentioned accounts are not accurate in terms of reporting.
Product: Credit card or prepaid card

I hold two credit cards with Capital One. One card ends in XXXX and the other ends in XXXX. On XX/XX/2020, my bank transferred to Capital One a payment of {$800.00} towards the balance of the card ending in XXXX. The payment was misapplied and credited towards the card in XXXX. This caused a series of events to include ; 1 ) 47 point drop of my XXXX score, 2 ) late past due fees 3 ) additional interest charges to exceed {$100.00}. 
4 ) Multiple calls to Capital One met with polite condescending answers and no reversal of their actions toward the misapplied payment being placed in the correct account that was due payment and removal of the penalty charges. 

This has negatively impacted my credit score by 47 points and affected my ability to refinance my home especially now with COVID. Further, the due date of payment assigned- the eighth of each month, will ALWAYS make my payments at Capital One late because my bank takes a day or two to transfer the funds. I told a Capital One rep of that problem and their response was OPEN A CAPITAL ONE bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters informing XXXX XXXXXXXX XXXX that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : XXXX XXXX XXXX  ( XXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) 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. 

Lets look at has reasonable cause to believe that the information is inaccurate. 

I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 

While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 

This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.
Product: Mortgage

After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. 

U.S. Bank has been giving runaround and putting me further and further behind for over one year. They have not honestly reviewed my loan for modification. As it looks like, they have no intention for reviewing my loan for modification. I am at a huge risk of losing my home due to their negligence in solving this problem. Please help me. 

I am asking U.S. Bank to provide me with the complete NPV data they used for their latest review. Failing to provide a non-technical explanation is a violation of treasury guidelines. 

Once again, they are asking me to appeal the decision by XX/XX/2017. However, they are not providing any information to appeal with. How am I able to file an appeal when there is no information provided?
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against RentDebt Automated Collections , LLC, located at XXXX XXXX XXXX, XXXX, TN XXXX. 

**Summary of the Complaint : ** XXXX. **Unauthorized Debt Collection : ** I have never conducted business with RentDebt Automated Collections , LLC XXXX Recently, I discovered that this company is attempting to collect an alleged debt in the amount of {$3000.00} for account # XXXX. I am unaware of how my personal information, including my Social Security number, was accessed or shared with this company. 

2. **Violation of Consumer Rights : ** RentDebt Automated Collections , LLC has reported this alleged debt on my credit report without providing adequate validation or verification of the debt. This action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. Specifically : - **15 USC 1681b** : Limits the access to consumer reports to those with a permissible purpose. I did not provide authorization or consent for RentDebt Automated Collections , LLC to access or use my credit report.

- **15 USC 1681c** : Mandates that only accurate and verifiable information be reported on consumer credit reports. RentDebt Automated Collections , LLC has not provided proof of the debt, making their reporting potentially inaccurate and unverifiable.

- **15 USC 1681i** : Provides consumers the right to dispute inaccurate or incomplete information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation. I have not received satisfactory validation from RentDebt Automated Collections , LLC despite my requests.

3. **Identity Theft and Fraud : ** The unauthorized reporting and collection efforts by RentDebt Automated Collections , LLC appear to be fraudulent and indicative of identity theft. This situation raises serious concerns about the security of my personal information and the integrity of my credit profile.

**Resolution Requested : ** I am requesting that the CFPB investigate this matter and take appropriate actions to ensure the following : - Immediate removal of the unauthorized account from my credit report.

- Correction of any inaccuracies or negative impacts resulting from this fraudulent reporting.

- An update to my credit profile to reflect that this account is not valid and that I did not authorize RentDebt Automated Collections , LLC to access or report my information.

I have also requested validation of this debt from RentDebt Automated Collections , LLC but have not yet received a satisfactory response. I am concerned about further unauthorized activities and seek your assistance in resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your response and assistance in protecting my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX have continue to report false information to Equifax XXXX XXXX XXXX XXXX which has affected my credit score tremendously causing my score to drop & hinder my ability to apply for by reporting false information, This account is paid up & on auto pay in good standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause
Product: Credit reporting or other personal consumer reports

I have been trying to dispute items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear XXXX  FTC Report Number : XXXX Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX  - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX - Account Number # XXXX  I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX   Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit
Product: Mortgage

NATIONSTAR IS ENGAGED IN SYSTEMATIC ILLEGAL ACTIVITY AND CONSUMER FRAUD. THEY HAVE CONFIRMED THIS LOAN WAS FRAUDULENT, THEY HAVE CONFIRMED ESCROW FRAUD HAS OCCURRED, AND INSTEAD OF HELPING, THEY ADDED THEIR OWN FRAUD WHICH WAS UPLOADED FOR PERMANENT PUBLIC RECORD AND FOR MY RETRIEVAL FOR THE LAWSUIT WE WILL BE FILING AGAINST INDIVIDUALS AND CORP ... .. WE HAVE CONFIRMED LOAN DISCLOSURE /ORIGINATION FRAUD, A COPY IS PROVIDED ) .WE HAVE CONFIRMED LOAN SERVICING/ ESCROW FRAUD. ( A  COPY IS PROIVIDED ). BOTH COPIES CAME FROM NATIONSTAR ... .THEY ARE FULLY AWARE AND VERY VERY COMFORTABLE WITH CRIME AND FRAUD ... .IN ADDITION, WHILE WE TRIED TO RESOLVE THIS, WE REQUESTED PMI INSURANCE/FEES BE REMOVED, ALSO OUR LEGAL RIGHT, AND THEY HAVE REFUSED TO DO THIS FOR WELL OVER A YEAR, COLLECTING PRINCIPAL WITHOUT PROPER CREDIT. WE ARE WELL OVER 50 % EQUITY AND STILL PAYTING PMI TO THESE DISHONEST SCUMBAGS. IN ADDITION, BECAUSE I UPLOADED EVIDENCE TO CFPB, THEY HAVE BLOCKED OUR EMAIL ADDRESS AND WE ARE BEING DISCRIMNATED AGAINST, UNABLE TO ASK ANY QUESTIONS VIA EMAIL, YET ANOTHER FORM OF ABUSE, PREDATORY LENDING AND FRAUD IN ADDITION TO VIOLATING BOTH OUR CONSUMER AND CIVIL RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

I am writing to dispute and request the removal of late dates and negative status associated with the following accounts on my credit report. XXXX and XXXX have already acknowledged and corrected this error, and I am perplexed as to why your bureau has not done the same. I recently communicated with the respective banks/creditors regarding these accounts, and they have acknowledged their error in reporting late dates and negative status. Moreover, as a goodwill gesture, they have agreed to my request for removal. XXXX and XXXX promptly updated their records in compliance with the Fair Credit Reporting Act ( FCRA ). I am frustrated and confused as to why your bureau has not followed suit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$510.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts and inquires on my credit report. Please remove all of the listed fraudulent accounts and inquiries from my credit report as it is hurting my ability to obtain credit. 


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