23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Afni keeps trying to collect {$950.00} from me when I haven't had the phone for years but keep sending me letters in the mail and I keep telling them that I will get a lawyer
Product: Credit reporting or other personal consumer reports

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Have disputed an account that was fraudulent. Have requested debt validation and never received. Have filed an identity theft report over fraudulent account and company still reports verified. Please remove and stop reporting on fraudulent account immediately. This XXXX XXXX XXXX information in credit file is inaccurate and has yet to be deleted.
Product: Mortgage

We are currently trying to sell our home. Because the house is underwater, I contacted Wells Fargo for some type of assistance for ways we can sell the home. The tentative buyers are offering {$130000.00} and the amount owed on the house is {$140000.00}. I was told nothing can be done but a short sale which will take 6 months to complete. If I can not afford the home on this date, how can I afford the home six months from now. I urged them that I had a buyer now and could not afford the difference of what was owed and how much the buyer was willing to pay ( {$10000.00} plus realtor cost ). I also relayed that I can not afford making monthly payments which if I stop I will not be eligible for short sale. Any suggestions are appreciated.
Product: Prepaid card

On XX/XX/XXXX cash app took XXXX from a dispute that they said was denied. According to FDIC they supposed to cover all accounts worth XXXX. But cash app is violating this statute by saying they are going to get another XXXX on XX/XX/XXXX which cash app is stealing money. They have already gotten the XXXX illegally and I want it back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent letter on my behalf to me about the payment errors on my credit report - i seince then since the letter attacthed to my dispute to ALL THREE credit disputes and with more than enough information and evidence - the error has not been corrected
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, I called Capital One customer relationship department to advise, provide and have them correct my date of birth in their files. I also provided them with copies of my Social Security, my MA-STATE driver 's license, and an affidavit proving my identity. I also several times talked with customer service to make sure that was corrected and some say yes and some said was not! I currently have XXXX products with Capital One ( Credit Card-Auto Loan and XXXX Account ), but from the first week of XXXX, I have not been able to have access online to none of my accounts. I have spent over XXXX hours in several calls and talked to supposedly XXXX XXXX, and all kind and type of Management and nothing have been resolved. I have put a " XXXX '' and asked to escalate this issue of online banking but nothing has been done! At this point, I'm being affected because I can't see my checking account transactions or make my car payments or credit card payments. 
I am now afraid that due to this issue, my payments will default, and soon rather than later they will report me to the bureaus and affect my credit score. As of today 's date of this complaint ; I ' am in the process of buying a house but super worried due to the incompetence of the service.
Product: Credit reporting or other personal consumer reports

1. Hunter Warfield Inc is currently furnishing and reporting information to my consumer report. 

2. I have no relationship with this agency and have no idea how they acquired any access to my consumer report or private data. 

3. It appears they are a debt collection agency based out of Florida. 

4. They sent me an email stating " This is an attempt to collect a debt ''. 

5. I do not know how they got my personal email to send me that. 

6. Hunter Warfield Inc. and XXXX XXXX XXXX XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to XXXX, XXXX, XXXX, Hunter Warfield Inc., and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

8. The adverse item being reported has nothing to do with any sort or crime or conviction thereof and is not equitable to the report.
Product: Mortgage

I contacted my mortgage company, NewRez, on XX/XX/XXXX to modify my monthly mortgage payment from a Bi Monthly payment plan to a Monthly payment plan on the 1st of each month. The agent on the phone said that he cancelled my bi monthly plan and assured me that it would not be drafted out of my account on XX/XX/XXXX. He said to go online and set up a recurring payment to autodraft monthly which I immediately did after our call. On XX/XX/XXXX NewRez drafted 2 payments ( the bi monthly plan amount and the monthly plan amount ) out of my account causing it to overdraft, and for my bank to cancel one of the payments. I immediately called Newrez to inform them of their mistake and to make sure my mortgage was paid on time. They assured me it would be reflected as an on time payment. Around XX/XX/XXXX, Newrez tried to assess me a {$30.00} NSF fee for the payment being denied by my bank after their mistake. I again called and they said it would be taken off my account. I logged in today, XX/XX/XXXX, to see that the {$30.00} NSF fee is still on my account and still needs to be removed. After spending hours on the phone with them and multiple people lying to me and saying that everything will be taken care of, I no longer trust that spending another hour on the phone with them will get them to do their job.
Product: Credit reporting or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with a verified status. Please repair the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that Flagship Credit Acceptance has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX. This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to Experian, XXXX, and XXXX and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.
Product: Student loan

Dear CFPB : My name is XXXX XXXX, I attended XXXX in XX/XX/XXXX-XX/XX/XXXX. Graduating in XXXX XXXX. In XX/XX/XXXX I refianced or requested a fixed intrest rate with XXXX XXXX, later Navient became that same company, for a couple of years I did not have strong income and could not repay my loans, I made smaller payments when I could and often requested a forbarence or deferment. At some point I did manage to land a job in banking industry and was able to make some consisitant payments. But unfortuantly, lack of work or under employment made it difficult for us to live and I could not afford to make my payments. The original amount of my loans at my exit interview was {$250000.00} when I consolidated with XXXX XXXX in XX/XX/XXXX it was {$35000.00} now they say I owe {$66000.00}, if I understood that is what they were going to do I would never have done it. I have XXXX, and XXXX XXXX so I have stuggled with my employement it was an achievement to just get the degree. I asked about settling this debt with them due to the fact that my husband has been working so hard, and we now might be able to due that if it was a reasonable amount, these loans are prevent us from qualifing for a home loan. I have n't worked steadly sincnce XX/XX/XXXX and even then it was only XXXX. I contacted them today XX/XX/XXXX and they refused to offer me any reasonable assistance in getting this matter handled please help.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My dispute is with Discover Card. XXXX XXXX XXXX charged me {$7200.00} to handle an IRS issue. I had to sign a form to authorize them to charge my card so they can start working on my matter. {$4000.00} was charged to Discover. XXXX never resolved the problem and left me hanging with the IRS. I had urgent letter from the IRS faxed to XXXX and the case manager never acknowledged two emails, four phone calls so I had to hire another tax attorney for another {$1000.00} to try and resolve the matter. Discover told me to mail my documentation and I did so and they sent me the contract that I authorized XXXX to charge my card that is fine if they did the job they contracted to do. There is a clause that all urgent letters be sent to XXXX immediately and the client ( me ) must respond promptly to their calls. I guess it does not work the other way they never got back to me until the BBB contacted them. Then their quality assurance person told me we can partially refund you if I drop all complaints against them and take down bad reviews. That is " Blackmail '' Discover is not working on my behalf they accepted the non fact that they provided the service which not the truth why would pay another {$1000.00} to tax attorney to take over the handling. I wrote to the CEO of Discover and waiting on response. This is " no brainer '' XXXX did not do what they advertise to do and told me what they would do. I been ripped off.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment Reporting by Capital One To Whom It May Concern, I am writing to file a formal complaint against Capital One regarding inaccurate information on my credit report. Specifically, Capital One has incorrectly reported my car payment as late. Despite my repeated attempts to have this error corrected, Capital One has refused to update my records to accurately reflect that all my payments have been made on time. 
Late payment reported for Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX - XXXX XXXX- XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Actual Payment Status : - All payments made on time Consumer Laws Applicable Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies on my credit report. The relevant sections include : - **15 U.S.C. 1681i ( a ) : ** Requires credit reporting agencies to reinvestigate disputes. - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Obligates furnishers of information ( such as Capital One ) to provide accurate information. - **15 U.S.C. 1681s-2 ( b ) : ** Mandates furnishers to investigate and correct inaccurate information when notified by a credit reporting agency. 
Previous Legal Actions Against Capital One It has come to my attention that there have been similar legal actions taken against Capital One for the same issue. Notably : - **Case : XXXX XXXX Capital One Bank ( USA ), N.A . ** : This lawsuit addressed similar issues of incorrect reporting and failure to correct inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX ; XXXX  XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX : {$4500.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of both identity theft and human trafficking. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), lam submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt XXXX, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following account. XXXX XXXX XXXX XXXX  Credit line secured with account # XXXX opened on XXXX/XXXX/XXXX  and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX BANK SS XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. 
XXXX XXXX XXXX  Auto Loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXX XXXX XXXX  Credit Card with account # Unknown opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX XXXX All of these accounts have been removed off XXXX! The problem is still not fixed with this company after submitting both documentation of human trafficking and identity theft victim this is hindering.
Product: Debt collection

Midland Credit Management Inc - XX/XX/year> - {$1500.00} + XXXX - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report affiliated w/ ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections 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  Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : 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 EQUIFAX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : 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