23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TRANSWORLD SYSTEMS INC. is claiming I owe {$44.00} to XXXX. 
The United States of America government is responsible for all debts under the the House Joint Resolution 192 & 18 USC 8 : Obligation or other security of the United States
Product: Credit reporting or other personal consumer reports

For my information that got hacked there was a law sue filed
Product: Debt collection

I have wrote to all Credit Bureau to have this debt with West Lake Financial removed from my credit report. This debt is over seven years and West Lake Financial is reporting it as a new debt and placing it back on my credit after removed. I never agreed to a payment arrangement on this with West Lake Financial because I'm unable to work and the bill is over seven years old. It is a violation of law for a collection agency to report old past-due amounts as if they are new again. If an agency persists in reporting old debts with updated activity dates, I may have a legal case against them. West Lake Financial is reporting a debt that's over seven years on my credit report and hindering my credit score. I would like this removed once again off all credit bureau and not to be replaced again as if I open a new contract with West Lake Financial.
Product: Debt collection

Wakefield associates claiming I owe debt reported on my credit report never heard of company or did business
Product: Credit card

Since my joining date to American Express of XXXX of XXXX with a platinum credit card, I was XXXX XXXX military working and residing in the state of Louisiana. Now per the law of the state of Louisiana, XXXX XXXX service members, as well as XXXX XXXX and XXXX residing in the state of LA, have entitlements to the Louisiana SCRA act. What differs from the federal SCRA act. The federal one lowers interest rates before joining the armed forces to 6 %. The state of Louisiana law requires lenders and credit card companies to give service members the SCRA before joining, AND AFTER JOINING AND BEING IN XXXX XXXX. on XX/XX/XXXX at XXXX hours, I called American Express customer service to fix this problem. I requested to have my account looked over and to see if I was given the SCRA for the state of Louisiana. I was not in fact given such a thing as I noticed my interest payments were very high on my account. They had me into the lending act, which does not give me my 6 % interest rate. The customer service rep. Then told me that it only applies to people before joining and I informed him it did not and that per www.legis.la.gov. RS XXXX. I was still within my rights to a 6 % interest rate. He then sent it up for request. On XX/XX/XXXX, I receive an email denying my request for SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 a company called " XXXX XXXX  ( located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) ran my credit. I did not authorize this inquiry. This inquiry has lowered my XXXX XXXX and I fear that my identity has been stolen.
Product: Credit card

I have a Barclay 's XXXX credit card. Each month my cash back, typically XXXX  XXXX {$90.00}, is transferred to XXXX XXXX which then transfers it to my XXXX  XXXX  XXXX  checking account. Someone apparently changed my checking account info with XXXX last XXXX. From XXXX through XXXX, 2024 I never received any deposits. I finally realized it and changed my checking account back to my account. I tried to resolve this with XXXX and was told to change my password. Then I contacted Barclays again and was told to contact XXXX, which I have done several times with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a CFPB complaint XXXX against FirstPoint Coll Resources INC about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under HIPAA. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from XXXX, stating that a medical collection was now being reported by FirstPoint Coll Resources INC. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.
Product: Mortgage

After giving my Mortgage Company ( Freedom Mortgage ) notice by phone today XX/XX/2023 of an escrow error, Freedom Mortgage is refusing to make any corrections to the error or investigate the error ( per XXXX the supervisor I spoke to ). I initially spoke to an agent by the name of XXXX id # XXXX after making several calls regarding this matter. After explaining to the agent there was an error in the amount of {$230.00} on my escrow account due to an over payment made to my homeowners insurance, the agent seemed confused and not competent in even understanding the issue at hand. I escalated and requested a supervisor and spoke to an agent by the name of XXXX. XXXX blatantly refused to research, request a new escrow analysis, and claimed everything was correct, and there was nothing done wrong. I then attempted to explain to XXXX that two other agents verified there was in fact an error. I also had one of those agents complete a conference call with my insurance company who not only confirmed there was an over payment, but provided a check number for a refund that was issued directly to the mortgage company ( due to overpayment ) and should have been placed in my escrow account. However, XXXX refused to even consider verifying unless he had documents directly from my insurance company ( XXXX XXXX ). He suggested that I should reach out to XXXX XXXX and have those documents sent. Although I explained to him the countless hours I've spent on the phone, the confrence calls that were made, as well as documents that we're faxed. The agent refused to take any action. I'm requesting that this matter is resolved immediately and that the actions of the supervisor XXXX who refused to investigate this matter be addressed. I will also be taken further action if not done so in a timely manner.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$73.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$20.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$1100.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX ) XXXX Balance : {$250.00} ; XXXX  SELF-REPORTED ( Original creditor : XXXX  ) XXXX Balance : {$40.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Mortgage

I received notification from XXXX ( XXXX ) XXXX dated XX/XX/XXXX ( Exhibit # 1 ) that my home was about to go into foreclosure because I had not paid my property taxes since the second half of XX/XX/XXXX. My escrow is included in my house payment. Exhibit # 2 is a copy of my XX/XX/XXXX property taxes. This shows MY account number ; and displays that indeed no taxes have been received since the first half of XX/XX/XXXX. Exhibit # 3 shows that the monthly property taxes have been being paid out of my mortgage from XX/XX/XXXX. The last page of this exhibit shows, however, that my taxes were being paid to the INCORRECT tax account number, as well as the wrong person 's ( notice the name and address ) name and address. Exhibit # 4 shows a letter dated XX/XX/XXXX showing the agreed upon repayment plan amount of {$1200.00} from XX/XX/XXXX-XX/XX/XXXX. I received in the mail today the updated payment plan ( Exhibit # 5 ) for the remaining eight months XX/XX/XXXX-XX/XX/XXXX payment of {$1100.00}. 
I made 22 phone calls and spent two and a half hours in the office with my adviser, plus numerous amounts of research on my own time to get this situation straightened out regarding my mortgage company, Shellpoint Mortgage Servicing to resolve this situation. The final straw for me was when they raised my repayment plan amount from the agreed upon {$1200.00} to {$1300.00} when I called them to make my XX/XX/XXXX payment. The only response I could get, when asked why, is that 'This is what the system is telling us '. Upon, finally reaching the escrow department, they informed me, the payment was being increased because I had to pay the outstanding tax balance, while they waited for the refund ( from the county ). The mortgage company had made the correction in XX/XX/XXXX. It was at this time, ( XX/XX/XXXX ) I contacted my adviser. He spoke with Shellpoint Mortgage and told them we were going to file a suit and report them to CFBP. I had heard nothing yet, by XX/XX/XXXX ; and wanted to get this situation resolved before I made my XX/XX/XXXX payment. Once again, three phone calls got me nowhere, except " We are working on this. '' I reiterated that I would be starting law suit proceedings and referring them to CBFP. Amazingly, later that afternoon, the supervisor called me directly to state that the escrow situation had been cleared up and the remaining eight months of my repayment plan would be {$1100.00}. I received this confirmation in the mail today, and do not plan to accommodate any adjustments they might suggest be needed.
Product: Mortgage

Our mortgage was recently sold to Rushmore Loan Management company. We arranged online bill pay through our bank, XXXX, to send the payments like we always do. On XX/XX/XXXX, XXXX sent the first payment of {$3300.00} and it was received and applied to our mortgage. On XX/XX/XXXX, XXXX sent another payment of {$3300.00}. However, Rushmore is claiming they do not have the money. We sent this payment the same way the previous payment that they processed and cleared with the same account information, etc. They then said that if we didn't pay another payment for XX/XX/XXXX, since they never received the payment, we would be charged late fees. So, we used their online system to send the XX/XX/XXXX payment on XX/XX/XXXX, and then we also paid XX/XX/XXXX with their online system on XX/XX/XXXX. Yet, we still have not received a credit for the missing XX/XX/XXXX payment of {$3300.00} from our bank account. 

Every time we call Rushmore to try to resolve this issue, they never know what is going on and never have any answers. They tell us that they are researching until a certain date, then the next time, we get a new later date. It is extremely frustrating and the company representatives have not been helpful in assisting us to locate our missing {$3300.00}.
Product: Credit reporting or other personal consumer reports

My accounts was never late. I have had exceptional payment history with XXXX XXXX  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.
Product: Debt collection

XX/XX/year> - I called Central States Recovery, LLC to settle my accounts. The representative gave 1 option to settle my account for 80 % of the balance. When I attempted to negotiate by offering 50 %, the representative began to yell, interrupt, and eventually hung up refusing to discuss any further options. 30 mins later the representative called back ( unscheduled call back ), to continue to yell and inform me that she couldn't offer another option. 

XX/XX/year> - I called CSR to attempt to resolve my account with another representative. I was transferred to the same person as the day before, to which I asked to speak to someone else. During the transfer that same representative called me 2 more times which I would've had to hang up to answer. After sitting on hold for a few minutes, I ended the call to attempt to call the person I was being transferred to directly. I instead was transferred to another representative entirely. After attempting and failing to work with her, I called back to attempt to speak with the 2nd representative that I had fail to connect with previously. I again was transferred to the 1st representative who told me to call back at XXXX if I wanted to speak with the 2nd representative. I then requested to speak with a supervisor and she stated that their company does not have supervisors. At XXXX I called back and asked the receptionist if they had supervisors, she advised me that they do. I requested to speak with a supervisor and was then transferred to the 3rd representative again. At this point I requested to file a complaint on the 1st representative over the disregard for the FDCPA for the following. 
1. The harassing callback from the previous day. 
2. Falsified information when I asked to speak with a supervisor and was informed that there was no such position in their office only to have 2 other representatives confirm that there were ( the 3rd representative identified as a supervisor ).

While expressing my complaints the 3rd representative informed me that there was no one in their office that went by the name that the 1st representative gave me ( meaning the 1st representative either falsely identified herself or the 3rd representative was also giving me false information ). This 3rd representative then continued to use misleading tactics to further attempt collection on my account rather then address any further complaints I had.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, Transunion is reporting me as 30 days late in XX/XX/year>, and XXXX is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have unknow inquiries that i did not ortherized or got anything from reporting on my XXXX credit the report the inquiries are I ICUL service corp date XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint on XX/XX/XXXX requesting them to correct my address after several attempts to get this correct. They stated that they updated my information but it is still incorrect. There should only be one address anything else is wrong. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account with DriveTime/Bridgecrest opened XXXX XX/XX/XXXX, a retail installment account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, a utility account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a collection account with I XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a collection account with XXXX Funding opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, and an auto loan account with XXXX XXXX Services opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the Commonwealth of Pennsylvania, However I XXXX, XXXX XXXX XXXX the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records.

15 U.S. Code 1681s-2 ( 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.
Product: Checking or savings account

I was attacked by an ex brother and his friend. During the attack the stole my wallet and cell phone.On XX/XX/XXXX I was XXXX and had my sister call the bank to lock my card they wouldnt let her. On XX/XX/XXXX we called Capital one again to file a dispute after seeing multiple purchases on the account. The bank declined the dispute without asking for any documentation. However I reopened the dispute and sent in my XXXX XXXX letter and a copy of the police report. They made me wait over 3 weeks just to come back with the same decision, stating declined. The charges on the account they said are regular purchases however I provided proof I was XXXX on the dates the purchases were made and a police report proving I was attacked. I am now homeless not being able to have visitation with my kids due to the negligence of Capital one. If they wouldve allowed my sister to lock my account while I was unconscious, having multiple ct scans and mris then none of this fraud wouldve happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX