23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been having and on going dispute with capital one from XXXX XXXX XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX capital one once again rebilled me they have been telling me the case is closed for the dispute and capital one even gave me a permanent credit of XXXX but once again took that permanent credit away from me again this is my second complaint I'm making to consumer financial protection bureau capital one are liars and are once again trying to rip me off instead of going after the merchant from XXXX XXXX I already returned my merchandise back to the merchant and capital closed this dispute but some how reopened it and they are trying to get XXXX out of me when they promised me the case was closed in my favor they told me verbally and in a letter my dispute was closed in my favor my case number from capital one is XXXX I also showed capital one proof that I returned the item back to the seller and with proof of tracking to capital one but yet capital one is still coming after me after they closed my case I've also attached the package with tracking number showing I returned the item back to the merchant I was told from the merchant that they had received the item back in there wearhouse and that it would take a month for them to process the refund the merchant I think is and overseas and fraud company I read reviews about full beauty brands and they have one thousand complaints from consumers like myself that all have gotten ripped of from this company one the XXXX XXXX XXXX website I even told capital one about the company and they said no problem we are going to fix it and give you a permanent credit and close your case they did but capital actually lied to me and didn't keep there word and instead rebilled me once again I didn't know they can do that since they considered the case closed in my favor I refuse to pay this bill since they promised me the case was closed this is unfair to me as a consumer I have never been late on any of my credit cards and I'm a good customer I feel I was treated unfairly by capital one
Product: Checking or savings account

I used my Discover debit card for a purchase of an item from a merchant called XXXX XXXX on XX/XX/XXXX in the amount of {$110.00}. 

This merchant ( XXXX XXXX XXXX ) never sent me the item I purchased and was not responsive to my repeated emails requesting a status update. 

So I contacted Discover on XX/XX/XXXX to report that the merchant did not deliver and requested a provisional credit and investigation. However, Discover replied that they were unable to do that under Reg E for my debit card purchase. 

This was disappointing to me because Discover previously gave me a provisional credit for a debit card purchase from a merchant who did not deliver in XXXX of XXXX under Reg Z. 

Furthermore, Discover claimed that they changed their policy and they no longer provide Reg Z provisional credits and investigations for debit card purchases. 

Had I known that my purchase with my Discover debit card was not protected under Reg Z, I never would have made it.
Product: Debt collection

I am trying to obtain the agreement used by GE Money Bank and Paypal back in the year XX/XX/2006. Unable to obtain agreement.1.  Is there a way to obtain this agreement in XX/XX/2006? 2.  What federal statutes apply to them having to keep a copy of the original agreement ?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX  Account Number : XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

On XXXX, XXXX, 2022 I sent in a letter to request removal of a fraud alert listed on my credit file. I have not received an update or confirmation of the removal of the fraud alert.
Product: Debt collection

I was billed by XXXX XXXX of Colorado through a finance collection agency call Professional Finance. I've never received a bill from XXXX XXXX and this was put on my credit report and for collections for two instances of {$170.00} each. This is a clear XXXX violation and I will take action against both of these companies for reporting XXXX information to a third party without my permission.
Product: Debt collection

This company under the name of AARGON Agency is reporting a medical account for the amount of {$3300.00} to my credit report. On XX/XX/2021 I sent a letter to the credit bureau to investigate the account. On XX/XX/2021 the credit bureau replied that AARGON agency verified the account. As the affected consumer I sent a written request to AARGON agency on XX/XX/2021. I asked them to send me the signed medical documents for this debt. I advised I had reached out to my health insurance company to find out if they ever received a claim for this account and they confirmed they did not get a claim. 

AARGON agency has not sent me a response to my written request and it's been a month since I wrote to them.
Product: Debt collection

I have a loan with One Main which is a personal loan. We reached a permanent agreement to repay this loan at a lower interest rate and payment. This was one year ago. Since then, I have not been late to the day. It has been taken out of my bank account. Friday the accounts manager left a threatening phone message, She said I was behind on my payments. This is not true. I have proof. I called back and was told the payment was due on a different date than agreed one year earlier and if I was one day behind, I have to pay more. They are trying to breach the agreement and threaten me. I am XXXX XXXX XXXX, lost my job due to the virus ( XXXX XXXX ), very XXXX and XXXX XXXX XXXX. I have had a XXXX XXXX. They just made fun of me. I was very angry and upset and had to be seen by my doctor. They just want more money. I have completely complied with the agreement and they have taken out the money on the same date for one year. Please stop them from upsetting me. I have done everything they agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have worked for non-profits for over XXXX years, attended colleges that ended in useless degrees. I provided evidence for XXXX multiple times. Oddly, my husband and I attended the same schools with the same degrees. My husband 's loans were fully forgiven last year and mine have not been. Every time I email/call I get the same responses ; " not everyone is the same and we will forward the information. '' I was then placed in forbearance after requesting that I not be. I have been in forbearance since XXXX of XXXX and I call/email every month asking to he removed so I can make payments and I have yet to be removed as of XX/XX/XXXX. I have well over XXXX qualifying months yet, I continually forced into unwanted forbearance. Then spend hours on the phone waiting to speak with an agent/call center representative who can't support. When I email, the email says " looks like you have called, we will consider this matter taken care of '' XX/XX/XXXX and XX/XX/XXXX ( and more dates ) as of XX/XX/XXXX I am STILL in forbearance and have been teaching for over XXXX years and now the last XXXX months don't count for the 120 months needed that they say I don't have. It is almost like a joke. I am so frustrated because no one can answer any questions, no one can remove me from forbearance, no one will recount my months. What do I do?
Product: Debt collection

I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.
Product: Debt collection

I received a text message today from a company telling me I have debt and to follow a suspicious link on the text. It doesn't state what the debt is for or how much. I check my credit report and they reported me to collections for XXXX. I have no idea who this company is or what the debt is in reference to. I have not received any mail, emails, voicemails from them previously and this is the first time I am hearing from them now. the audacity to put a claim of collections on my credit report having not contacted me or provided me a statement about the debt incurred or even the bare minimum needed to confirm the debt is poor practice unless of course they scam folks. Again in a previous complaint I have checked my accounts I pay all my bills on time. The only known debt are 2 credit cards, a mortgage, and my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGE OF DISCRIMINATION This form is affected by the Privacy Act of 1974. See enclosed Privacy Act Statement and other information before completing this form. 
Charge Presented To : FEPA Agency ( ies ) Charge No ( s ) : X EEOC XXXX NEW YORK STATE DIVISION OF HUMAN RIGHTS and EEOC State or local Agency, if any Name ( indicate Mr., Ms., Mrs. ) Home Phone Year of Birth XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act convergent. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX account numberXXXX, XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, have violated my rights 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. 1681c ( a ) ( 5 ) SECTION States no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse item of information, other then records of convictions of crimes which antedates the report by seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Money transfer, virtual currency, or money service

Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. 
XXXX XXXX  XXXX XXXX  says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX  complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. 
On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX  case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. 
XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. 
XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. 
How these companies are allowed to do this when I showed them proof months ago I dont know. 
XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good.
Product: Mortgage

My loan was transferred to Mr. Cooper as of XX/XX/XXXX. I made my XXXX payment to Mr. Cooper on XX/XX/XXXX. When I tried to log in again to view my escrow information, my account was missing my loan information. I called and the Mr. Cooper representative told me that my loan was transferred to XXXX Mortgage. I was not notified of this transfer. Mr. Cooper 's representative said a letter was sent on XX/XX/XXXX ( I did not receive this letter ), but that still does not meet the 15 day federally required notification timeframe, as my loan is with XXXX XXXX as of XX/XX/XXXX.
Product: Mortgage

XXXX has sat vacant since before XXXX XXXX, 2013. It is located a XXXX XXXX coming into the XXXX of XXXX, VA. and the City has been improving XXXX XXXX to be more appealing to people entering the City. Because of this house is sits directly on XXXX XXXX, the City has been contacting the XXXX to do something to make repairs on the house. Because of the condition of the house, there has been an adverse affect on any house that is on the market for sale. The XXXX has always suffered from the reputation of being housing for low income residents and this house condition reinforces the preconceived reputation that our XXXX has.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$2.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account number XXXX. This account was reported as a collections/ charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged-off. I urge your agency to reinvestigate and provide all missing information. Also, please explain why there is a past due balance reporting while the report show a charge-off? Im sure you know that it is violation.
Product: Debt collection

McCarthy, Burgess, & Wolff reached out to me via a letter XX/XX/2021 and then with a phone call stating that I owed a debt of {$3300.00} to XXXX XXXX. I do not have a XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance OwedXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I rented a property from XXXX  XXXX  for XXXX yrs. My lease was coming up for renewal and the property was sold to other company. Advised the new company that we would not renew that we would vacate property due to increase of the rent. ( {$1200.00} to {$2000.00} ) a month. Never signed any paperwork with new owners. They submitted for collection and the collection company ( national credit ) contacted me and I advised that I did not renew or sign any paperwork with the company and I requested that they provide my signature on paperwork and they stated tgey would let the lawyer know and I didn't hear from them again, but they put on my credit report.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by [ Creditor Name ] ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Installment ( Auto Loan ) - Original Creditor : [ Creditor Name ] - Balance : {$16000.00} - Date Opened : XX/XX/year> - Payment Status : Collection/Chargeoff The issues with this account are as follows : 1. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information.

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus.

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly.

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.
Product: Mortgage

The Ditech company keeps sending me a collection notice on property that I have never owned or had loans on this property. They say I have a loan from this company when i do n't.