23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One called my relative on XXXX/XXXX/2016 at XXXX and disclosed to them that I allegedly owe {$900.00} to their institution. 

This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, my information has been compromised in the Equifax data breach along with a few others. I have reach out to this company multiple times in attempt to get this account removed. I have submitted an FTC report multiple times and still have not seen a change. I need this account that was not authorized and that does not belong to me to be removed as it is impacting my credit worthiness, and my chances of obtaining a mortgage
Product: Credit card or prepaid card

Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : XXXX XXXXXXXX Past Due : {$1300.00} Most Recent Payment : XXXX
Product: Credit card

On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX BANK on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$XXXX} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. Experian and XXXX are in clear violation of the law under 15 USC1681B. The account in question is XXXX XXXX XXXX XXXX { {$200.00} }, which reflects as paid with the original creditor. 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 : 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Due to the company 's inaccurate reporting, I have been denied continuously for credit cards, and apartments. I have suffered from XXXX  XXXX, due to the increased housing market and several denials of providing shelter for my family. 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: Debt collection

XX/XX/XXXX received a letter from National Credit Systems indicating we owed {$1400.00} on apartment rent from XXXX XXXX XXXX Apartments. We moved from XXXX XXXX XXXX in XX/XX/XXXX. 

XX/XX/XXXX went to XXXX XXXX XXXX management and they confirmed WE HAVE NO OUTSTANDING DEBT. They printed out our full payment history. Management also indicated they did not use National Credit Systems as their debt collector. 

XX/XX/XXXX mailed payment history and return slip to National Credit Systems disputing debt. 

This debt collector has since indicated we have not supplied suitable evidence and has continued to pursue myself and fianc. They are threatening to report us to the credit bureau.
Product: Prepaid card

Well, i have been with Paypal for some years now. However, i have being charged for things i did not authorized. nevertheless, i was scammed with paypal and they seems not to do anything when i brought the issue to them. They are charging me bills for paypal credit and somehow sellers account that i never had or used. Therefore, i want my funds be refunded because when i tried to contact them again, my whole account changed to XXXX meaning that i can not use my account along with the money in it because i dont understand or speak XXXX. 

XXXX on the other hand, is a fraudulent organization that tries to reap everyone of their money. I traded in some books i bought from XXXX for gredit to my account. However, i was charged separately and keeping the gift card i earned and tried to sell it back to me and charged me for everything i bought with my gift card. 

My name is XXXX XXXX, my email is XXXXXXXXXXXX or cell : XXXX. XXXX to hear from you guys soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquire which is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$9000.00} Account : ( Addressed situation to company. Company insisted they file a dispute to credit bureau : XXXX upon my behalf ) Party Owed : XXXX XXXX XXXX Amount : {$890.00} ACCOUNT : DID NOT DISCLOSE ACCOUNT NUMBER Party Owed : XXXX XXXX XXXX Amount : {$590.00} ACCOUNT : UNABLE TO OBTAIN BECAUSE OF PHONE SCREENING AND RESULTS IN PHONE CALL MANIPULATION TO PARTNERS PHONE NUMBERS WHOSE BUSINESS ALIKE I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Product: Student loan

I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.
Product: Credit card

XX/XX/2023, IN *XXXX XXXX XXXX Other Services XXXX XXXX XXXX XXXX {$250.00} Charged {$250.00} for GUARANTEED appointment setting yet FAILED to set even XXXX single appointment. 

XXXX XXXX XXXX never delivered the service that was sold and promised. 

XXXX XXXX XXXX stated that it could not provide a refund as it paid an undisclosed 3rd party to perform the promised service for them and they were fleeced by the 3rd party.

However, I did not pay the 3rd party, I paid XXXX XXXX XXXX. The 3rd party did not promise and GUARANTEE the service to me, XXXX XXXX XXXX did. 

As the paid for service was NEVER received, the fraudulent charge was disputed with Capital One. While the Fraudulently charged {$250.00} was temporarily credited by Capital One, the charge we posted back against the account today by Capital One WITH NO NOTICE BY PHONE, BY MAIL OR BY E-MAIL. 

When I phoned Capital One today, both their automated recording and their representative stated that the call was being recorded. However, when I stated that I would also record the call, the Capital One representative refused to discuss why Capital One re-billed the FRAUDULENT CHARGE or put the call through to a supervisor. What kind of one-way practice is this other than a blatant refusal to provide customer service or common decency? It's simply a way to conceal incompetence and a blatant failure to protect consumers from fraud per XXXX policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.
Product: Credit card

I have spoken to First National Bank of Omaha MULTIPLE times via phone and they have not fulfilled my request to send me the original credit card application, credit agreement, and credit card disclosures. I was initially told that I was an authorized user on my mom 's credit card, but FNBO states that I am actually a joint account holder. My mom tried to have me removed from her credit card and they denied her request. I have no information from FNBO which proves that I am a joint account holder and they continue to deny my request. I am entitled to receive the original credit card application, credit agreement, and credit card disclosures. FNBO refuses to send me these items and continues to reply to my requests by sending me a form letter which states that I have contacted them and for what reason. I believe FNBO is in violation of the truth in lending act by denying my right to the items requested. In addition, FNBO refuses to contact my attorney as she sent a letter of representation several weeks ago. FNBO is not functioning in a manner which reflects integrity or honesty.
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic issues, including failing to send consumer-provided evidence to vendors, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These failures align with my experience, where XXXX has failed to correct or remove disputed items despite evidence I provided. This inaction has caused ongoing damage to my credit rating. I request immediate corrective action to remove or modify the disputed accounts, as XXXXXXXX XXXX actions violate federal law and my rights as a consumer. PLEASE DELETE ACCOUNT XXXX XXXX with account number XXXX
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA XXXX XXXX of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 


THE XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly
Product: Mortgage

In XX/XX/XXXX all I did was change our home property insurance company from XXXX to XXXX XXXX. with that change, It was a {$3100.00} decrease in escrow, that decreased the payment by {$230.00} monthly, mortgage payment was {$3100.00} new payment now {$2800.00} this change was done prior to the XX/XX/XXXX escrow analysis, I informed XXXX {$2100.00} {$440.00} {$440.00} that clearly showed the error, payment changed to {$3000.00} it should of been {$2100.00} {$210.00} {$440.00} was the escrow change amount, {$2800.00}. 
when an analysis was done in XXXX the previous hazard monthly insurance amount was used {$440.00} versus the new monthly hazard insurance amount {$210.00} which caused this massive error that we have been going through for a year and half, instead, Rushmore has given multiple payment and shortage amounts, XXXX XX/XX/XXXX, escrow analysis and they have even went back to XX/XX/XXXX, this was just wrote in XXXX XXXX response, first time of me ever hearing this on XX/XX/XXXX and said wrong payment was paid, even though the payment cleared account in XX/XX/XXXX. when a letter was even sent in XXXX to use the amount paid, {$2900.00}. that payment has now been put in suspense saying it should of been {$3100.00} and used the prior year annual property insurance amount versus the new. {$5000.00} is XXXX new one for XXXX {$5200.00}. 
They added in shortage amount of {$240.00} and annual of {$2900.00} and Ive asked numerous times if the escrow decreased by {$3100.00} in XX/XX/XXXX how did shortage of {$2900.00} become in XX/XX/XXXX 3 months later? 
instead of them acknowledging the error. They have torn the account apart. They have rejected payments. They have already cleared the account before Rushmore Servicing took over and XX/XX/XXXX for XXXX, XXXX and XX/XX/XXXX {$2800.00} was paid and cleared accounts, they have said XXXX has not been paid, so they rejected XXXX payment, but not XXXX and XXXX for the same amount. I paid XXXX and XXXX payments at {$2800.00} those were rejected, XXXX was paid for XXXX that payment was put in suspense XX/XX/XXXX. It has been a total disaster and they should not be allowed to foreclose on a homeowner property on their multiple multiple errors. I have asked for documentation to show where I have made and they just continue to use prior information to try to make their case valid and it should only be done off of FACTS not off of the homeowner who doesnt want home foreclosed when they have not done anything but try to get the error corrected. 

its a XXXX  XXXX  monthly mortgage difference and there wrongfully trying to foreclose on our home of 16 years on the errror that couldve been corrected as soon as I informed them of my concern
Product: Debt collection

I have no knowledge of said debt, nor have I received any notifications to pay said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, Transunion and XXXX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

Debt belongs to XXXX and American Express brought this issue in front of the same court on XX/XX/XXXX and this case subsequently was closed after 4 years of constant harassment. Debt belongs to XXXX statute of limitation on the debt has expired but the harassment has continued. 
1- It has been 10 years since original debt and Statute of limitation on this debt has been expired. In Nevada, the statutes of limitation NRS 11.190 for credit card debts are generally 4 years from the time of first non payment. 
2- Notice of appearance was sent to a wrong address and late to ensure that I, XXXX XXXX , will not receive the notice. 
3- Original complain in XXXX was not brought in a timely manner, As the Supreme Court confirmed in the case of Rotkiske v. Klemm , 140 S.Ct. 355 ( 2019 ), discussed below, absent the application of an equitable doctrine, lawsuits arising under the FDCPA must be brought within one year from the date on which the violation occurs. ( 15 U.S.C. 1692k ( d ) ).

4- FDCPA Statute of Limitations was established so harassment such as this are not open ended and fear, phone calls, threats and abusive behavior stops, 5- This case has been initiated and subsequently was closed after years of such behavior as explained above. Any further harassment should cease and desist immediately.

a new complaint was started by American Express about the same issue on XX/XX/XXXX almost 11 years after it was reported.
Product: Mortgage

My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting multiple accounts for XXXX XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692
Product: Credit reporting or other personal consumer reports

Summary of Complaint : I am filing this complaint against XXXX XXXX for the continued reporting of false, misleading, and mathematically impossible late payment information on my XXXX credit report. The account in question is an open auto loan that shows multiple late payments across non-consecutive and consecutive months, with no verification provided upon prior disputes. 

Below is the full list of reported late payments, which I dispute in their entirety : 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 days late Inaccurate and Illogical Reporting : The late payments reported for XXXX through XX/XX/XXXX are not only inaccurate but mathematically and legally impossible. An account can not be recorded as 30 days late in four consecutive months. If an account is not brought current after being 30 days late in XXXX, then : XXXX should reflect 60 days late XXXX should reflect 90 days late XXXX should reflect 120 days late Repeatedly labeling each month as " 30 days late '' is false, misleading, and factually invalid. 

This is a material inaccuracy that violates : 15 U.S.C. 1681e ( b ) Duty to report with maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to correct or delete any unverifiable or inaccurate information upon dispute FTC v. TRW , Inc., 784 F. Supp. 361 ( N.D. Tex. 1991 ) Even technically correct information can be misleading and actionable Sepulvado v. CSC Credit Servs., 158 F.3d 890 ( 5th Cir. 1998 ) Misleading entries that harm a consumers credit standing violate the FCRA Furthermore, I never received documentation from XXXX XXXX to validate : That I was ever 30+ days delinquent in any of the above months That any payments were missed That any notice of delinquency was issued to me Violations Cited : FCRA 1681e ( b ) : Inaccurate and misleading data must not be furnished FCRA 1681i : Failure to investigate and correct disputed information FCRA 1681s-2 ( b ) : Failure to conduct reasonable investigation as a furnisher CFPB Reporting Guidelines ( 2022-05 ) : Data that lacks contextual accuracy is inherently misleading New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ) : Reporting false credit information is a deceptive business practice