23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We were transffered to Shellpoint Mortgage XX/XX/XXXX from XXXX Bank. In XXXX when we tried to pay full mortgage payment we were told we could not and that we had a loan modification from XXXX Bank. WE DO NOT HAVE A LOAN MODIFICATION FROM XXXX. THEY DENIED IT XX/XX/XXXX. We sent them the paperwork of the denial. We do not want a loan modification. When we tried to pay in XXXX the same thing happened. We were told if we pay the full amount, there would be a {$120.00} fee. I called Shellpoint XXXX and told them the issue. I talked to XXXX XXXX, then XXXX XXXX. XXXX I talked to XXXX XXXX. They all said they would research this issue. XXXX talked to XXXX. Called XXXX. XXXX talked to XXXX XXXX. She told me we do have a loan modification. Said she would talk to XXXX. Called XXXX XXXX. Left messages. XXXX XXXX wants me to write a dispute credit error. XXXX is now looking into this. I called XXXX, XXXX left messages. XX/XX/XXXX was told managers dont know, unique situation. XXXX XXXX ay he'll call this afternoon. I haven't heard anything since. In the meantime we are paying only partial payments and being told we don't have to pay anything till XXXX. I assume this is ruin our credit. I don't understand what the problem is. we do not have a loan modification and need to pay in full the amount due. Cerrtainly in 4 months this problem could be solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Product: Credit card or prepaid card

Hello, I signed up for a Citi XXXX XXXX XXXX credit card in XX/XX/XXXX because they advertised a promotion where if you spend {$3000.00} in the first 3 months and pay it off, you get XXXX miles. They allegedly sent me the card a few time but I didn't receive it until XX/XX/XXXX. Once the card was in my hands I met all of the requirements. A few months ago, I noticed that those points still hadn't hit my account so I tried to rectify this. 

The first Citibank Representative I spoke to ( XX/XX/XXXX ) told me someone would call me back later that day after investigating my situation. No one called back. A few days later, I spent over an hour on the phone - being passed from person to person explaining and re-explaining myself. The final woman I spoke with told me that I am not seeing the points because I technically applied for the credit card 6 months prior to actually receiving it. They told me that I would get an answer in the mail within two weeks. The letter finally came ( issued XX/XX/XXXX ) and I was denied the promotion that they advertised. Giving them one more chance to redeem themselves - I decided to call again today ( XX/XX/XXXX ) and climbed to the top of the latter and spoke to a Supervisor. He told me that they didn't see the " offer '' under my account. It didn't matter what I said. 

I am extremely frustrated because I would not have signed up for this credit card had it not been for this promotion that is literally posted everywhere on the internet. This is a terrible company if they can not follow through with their promotions, deceptions and false advertisement. 

I am planning on canceling my credit card if this is not rectified in a timely manner.
Product: Checking or savings account

On XX/XX/XXXX my rent check was cashed by someone other than the payee. Someone fraudulently endorsed the check it still was cashed. When I became aware of this, I immediately notified my bank Wells Fargo. They closed my account. Then they sent me an affidavit to be completed and notarized. I completed this affidavit at a Wells Fargo branch. The bank, notarized the affidavit and faxed it to the claims department at Wells Fargo. After the affidavit was received, I did not hear from Wells Fargo. The affidavit was received by Wells Fargo on XX/XX/XXXX. I reached out to Wells Fargo several times to understand the status of my claim without notification to me or any communication to me. Wells Fargo closed my claim due to missing information. I only was notified of this when I called to check the status of my claim. The claims department said the investigator would have to call me back. I requested what information that they need and asked next steps, they said they would return my call in XXXX to XXXX business days. I reach out to them a week later, as I had not heard back. The investigator again close my case without even contacting me. The claims department said the investigator has to be the one to contact me. Wells Fargo admitted the investigator did not follow the steps and filed an internal complaint. However I still need to speak with the investigator and the investigators gon na call me supposedly within XXXX business days. I am not heard anything from the investigator. The claims department can no longer help me. I still have not received my funds.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for XXXXXXXX XXXX XXXX  as this information is reported inaccurately on my credit report. After their alleged investigation, they returned stating that they would keep the information on my report without any change, deletion or other remedy. I hereby demand that XXXX, XXXX and Equifax clearly details what their reinvestigation procedure was for this dispute.
Product: Credit reporting or other personal consumer reports

My credit report contains mortgage information for XXXX XXXX XXXX, XXXX ( XXXX ) with derogatory information which is incorrect. XXXX should not be reporting under my personal credit report as the house has been transferred into a trust making the mortgage business relation between the trust ( XXXX XXXX XXXX XXXX XXXX ) and XXXX. See attachments. Effective immediately, remove all derogatory information from XXXX. Also, going forward, do not accept or update my credit report with any information received from XXXX. Close my personal report to XXXX. 

Additionally, Experian and XXXX are not reporting accurately as it relates to XXXX. XXXX does not report for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX L Account # XXXX, has violated my rights. 

XXXX5 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: Checking or savings account

I was contacted by XXXX which is a company that monitors identity, finances and sensitive data theft. I was told an account wqs opened in my name at Golman Sachs. I authorized XXXX as a 3rd party to contact Goldman Sachs. We talked to the Goldman Sachs security department and they closed the account as well as provided information to report the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$30000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349 - Deceptive Acts, Section 380S - Identity Theft and title 15 U.S.C. Section 1632 - Form of Disclosure ( 2 ) Creditor to provide contracts to the Bureau. As defined under title 18 U.S.C. Section 1030 - Access Device. The reporting agency did not follow laws under title 15 U.S.C. 1681S-2 ( a ) - Duty of Furnishers of Information to Provide Accurate Information.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my bankruptcy was discharged with XXXX & XXXX having been notified by the courts. 
I have been in continual communication with XXXX & XXXX and was assured that I was not to make payments until notified by them. Every time I spoke with XXXX & XXXX I requested the mailing address be updated to the property address. The first request was in XX/XX/XXXX this was completed on XX/XX/XXXX. Correct address XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX. 
Since I was never notified the account had been moved from bankruptcy back to a regular account the payments were late. 
I was notified on XX/XX/XXXX, that a fraudulent XXXX & XXXX was put on the account in XXXX and that is why they were unable to call and follow up on the change in status. 
I have been in contact with XXXX & XXXX since XX/XX/XXXX to have my credit report updated and the late payments removed. 
On XX/XX/XXXX XXXX XXXX informed me the credit dispute had been closed without anyone contacting me to verify the information the customer service representative had entered was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureaus, I have submitted multiple FTC reports and police reports requesting the removal of some accounts that were fraudulently open under my Name. You have completely ignored my request after many attempts. You have taken over 30 days to resolve my issues and have also not provided me with an actual investigation other than just saying " we have verified with the data furnisher '' I have been demanding proof and have not received. You are committing a violation which I am protected by the Congress under the Fair credit reporting ACT FCRA. Below I will state my issue one more time! I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3.. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4.. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 5. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6.. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 7. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a message that they were unable to identify me. The questions seem to be trick questions, and difficult to answer unlike the other two credit agencies. I have noted this whenever I try to get my free annual credit report. Trans-union is also the only credit agency where I have found errors in my reports in the past, and it has been difficult to fix them. I think Trans-union does this on purpose and should be investigated for possible collaboration in identity theft.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

I have tried to dispute this through XXXX XXXX. I will attach pictures also, when i tried to fix the date of birthday so I may look into this more then another screen popped up. That picture is uploaded as well. 

XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Request Account Number : XXXX Dear Jefferson Capital Systems, This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease and desist all communication with me regarding the alleged debt associated with the above-referenced account. 

According to the information reflected on my credit report : The account was opened on XX/XX/XXXX, with a current reported balance of {$730.00}. 
The original creditor is listed as XXXX XXXX, and the account is classified as a debt buyer account. 
I do not acknowledge any obligation for this alleged debt and dispute its validity. Additionally, as required under 15 U.S.C. 1692g ( b ), I request that you provide complete and verifiable validation of this debt, if you believe it is valid.

Effective immediately, I demand : That Jefferson Capital Systems cease all communication with me regarding this matter, except as specifically allowed by law. 
That Jefferson Capital Systems refrains from furnishing inaccurate or unverified information about this account to any credit reporting agencies. 
Failure to comply with this cease-and-desist request will leave me no choice but to pursue my rights under the FDCPA and other applicable laws, including but not limited to filing complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX the Federal Trade Commission ( FTC XXXX XXXX and my state attorney generals office. 

Please address any further communication regarding this request in writing to my address above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I noticed 4 total credit inquires when I logged into my XXXXXXXX XXXX  under my view credit score. I have not attempted to open any cards in some time.

Two days ago I received a billing statement from Bank of America ( which I do not have a line of credit through ) stating I had a line of credit for {$11000.00} and that I owed {$3400.00}. The purchase was made from a company called XXXX on XX/XX/2022. 

I contacted Bank of America and made a fraudulent activity claim right away. This was done today. I was provided a claim number and am awaiting the paperwork in the mail to complete the Claim.

I am very concerned as there are 3 other inquires out there which are affecting my credit score.
Product: Debt collection

I had an account in collections with XXXX  XXXX with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XX/XX/XXXX XXXX XXXX has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
Product: Student loan

My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.