23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed that there was a new account on my my XXXX and XXXX  credit reports for ( XXXX ) XXXX XXXX XXXX  as a charge-off. I contacted XXXX on XX/XX/18 @ XXXX and spoke with XXXX who told me that they sold this debt to Rocky Mountain Capital Management. I informed him that this is not my debt and he stated that XXXX no longer has access to the system that has the original documents for this loan and can not verify anything. This sounds like fraud to me! I informed him that This is not mine and to remove this from m y credit reports and to never contact me again and also informed him that In Oregon you have to have a license to do business such as payday loans which XXXX is classified as and they do not have a license in Oregon. You also have to have a license to collect debt which Rocky Mountain Capital Management is also not licensed. I have attached documents showing these companies have no licenses in Oregon. They are also not found in the XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

I filed a report with CFPB after  Americans Credit Financial threatened a lawsuit claiming I was committing fraud by not paying  when they had my card number and were supposed to be taking out monthly payments and failed to do so. They finally ran the card number on file in  XXXX  after repeatedly claiming it was invalid and found that it was valid just like I 'd been telling them. I told them I would be able to pay the entire debt on  XXXX   XXXX  and instructed them to take out the full amount because I was beyond frustrated dealing with the constant level of   XXXX    they were causing by not handling the case professionally. Because I still did n't trust them to actually take the money, or make any kind of record indicating that my card number had been valid the whole time, I filed the first complaint with CFPB. Which brings me to this complaint.  XXXX   XXXX  came and went with no payment or communication. The following business day came and went with no payment or communication. So my husband called on  XXXX   XXXX  because he was off work and told them to take the payment. They said they could n't because it had gone to legal and that was it. So I had to take a break at work to call and tell them they needed to let me pay off my balance. They said it was no longer in their hands and hung up on me. So I called back and said this is the reason I have a problem with your company, you say you 're going to take my payment and do n't. She said it was my fault because I 'd gone and filed complaints against their company and if I wanted to pay off my debt I 'd have to " figure it out '' myself just like I 'd figured out how to " contact the blogs. '' I assume by blog she meant CFPB. I said if you hade done your job I would n't have complained. She said I should have called them. So, was I supposed to trust them to do their job or keep calling to make sure -- because those  XXXX  things to me seem contradictory, and they seemed to expect me to take them at their word every time they said they 'd do something -- like take a payment even though they 'd failed to do that for months. I 'm working multiple jobs to get back on my feet. I already deal with constant  XXXX  and  XXXX  on a daily basis and to add this company to the mix has been  XXXX  for months and I just want the debt paid and this over with. I 'm so beyond my tipping point I ca n't breathe. When they gave me the runaround before agreeing to my final payment last week, I was tempted to sue because of their treatment of my account, and their actions causing the threading voicemail left on my husband 's phone. Not because I do n't want to pay, but because of the insane level of   XXXX   I 've had since we began dealing with them. I called in  XXXX  to address what had happened with my payment and they failed to do what they said. I really do n't want to bother with further action because I do n't have the time, money, or energy to continue dealing with this, but every time I turn around, it 's even more ridiculous.
Product: Debt collection

Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from North Shore Agency ( NSA ). I called this NSA ( North Shore Agency ) disputing the alleged debt, and the representative on the phone did n't care to hear my side and he asked me to pay the amount or they would continue collections and report it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on The XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the state of Michigan AG office, consumer protection agency, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and North Shore Agency to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from North Shore Agency. Thank you for your attention to this matter Respectfully Yours, XXXX XXXX
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  : {$5700.00} XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$6000.00} XXXX XXXX XXXX  : {$150.00}
Product: Mortgage

In addition to a recent rental application, there were two inquiries regarding purchase of land in Virginia and/or a newly built construction home in Tennessee. The land inquiry in Virginia was halted upon asking for a title search and the information attached to the ad will be contested ( in a separate consumer inquiry ) on the basis that the information is inaccurate and/or does not correspond with other historical documents. 

Therefore, this consumer concern addresses the new construction home as a second home purchase in XXXX, TN. In speaking with the Re/Max agent ( s ), this subdivision is pre-qualifying buyers for pre-sale of these newly constructed homes. In consideration of such previous incident ( s ) with the rental, I am submitting to Re/Max additional documentation that may not be supported on my credit report ( s ) because an accurate pre-qualification notice would not be yielded otherwise as seen with the rental application for the XXXX, VA location.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and Account # XXXX XXXX XXXX has 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 a account without my written instructions
Product: Debt collection

ABSOLUTE RECOVERY SENT ME A SUPPOSED TO BE LEASE AS A VALIDATION FROM XXXX XXXX XXXX BUT WHEN I LOOKED AT IT IT LOOKS LIKE MY SIGNATURE WAS FORGE AND I HAVE PROOF TO LET YOU ALL ANALYSIS IT AS WELL THIS NEED TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern while checking my most recent credit report I noticed an account that I did not authorize XXXX XXXX XXXX account XXXX XXXXXXXX has violated my rights. This is a violation of the Fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Dispute letter to all XXXX credit bureaus ( XXXX, Equifax, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX  ( XXXX XXXX Bank, XXXX XXXX Bank ) Equifax ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX Bank XXXX ) Experian ( XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX, ) I received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over XXXX  days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Product: Credit card

Attempted to schedule a payment before cloaure of account to prevent closure. Confirmed with agent on the phone that scheduled payment would be made and preveng closure, agent confirmed. 

Closure to account was made before scheduled payment despite confirmations on call.
Product: Checking or savings account

I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : 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 TransUnion 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 XXXX XXXX XX/XX/XXXX/2019, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( XXXX ) 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 or other personal consumer reports

Its incredibly frustrating to see accounts in pending litigation still showing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done. These inaccuracies are harming my credit and creating unnecessary stress
Product: Credit reporting or other personal consumer reports

XXXX XXXX has agreed to delete this account from my consumer report. However, it is still reporting to my Experian report. I demand that Experian delete this account immediately for it is fraudulent. and the creditor has agreed to delete it. It should not be reporting to my consumer report, for it is hindering my credit. 
XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Comenity Bank - XXXX XXXX Rewards XXXX They failed to properly apply a {$820.00} payment. My bank XXXX XXXX XXXX XXXX XXXX and I have provided the elecontronic transfer thru bill pay. I have repeatedly contacted Comenity they deny saying never had previous calls never received requested information. XXXX has replided 3 times to an address Comenity provided. Still no credit and no refund this has been on going for 5 months see documents. Comenity has no record of the phone calls or the requests or the written documentation. They have no email and no fax #. They are defrauding me of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX equifax, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.
Product: Debt collection

I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report I found that there are accounts reported on my credit report inaccurately. 

XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I CONTACTED THEM AND PAID A SETTLEMENT AMOUNT FOR THE ACCOUNT. NOW THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE CHARGE OFF BEING REPORTED EVERY MONTH AFTER THE ACCOUNT WAS ACTUALLY CHARGED OFF. THIS IS RE-AGING THE ACCOUNT AND CREATING A SITUATION WHERE IT STAYS ON MY REPORT. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. THIS IS INCORRECT. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN CHARGED OFF. MY DEFAULT OCCURRED DURING THE XXXX, A PERIOD THAT I HAD NO CONTROL OVER. I AGREED TO PAY THEM OFF, HOWEVER, THE ACCOUNT DISPLAYS THE FOLLOWING STATEMENT : Account paid in full for less than full balance THE ACCOUNT IS REFLECTING INCORRECT INFORMATION AND THEREFORE I WOULD LIKE IT REMOVED FROM MY REPORT. THE ACCOUNT SHOWS THE BALANCE PAID AND THE HIGHEST BALANCE AS THE SAME AMOUNT, HOWEVER, THE STATEMENT IN THE COMMENTS STATES " ACCOUNT PAID IN FULL FOR LESS THAN FULL BALANCE ''. AGAIN, THE PAYMENT THAT WAS MADE WAS THE HIGHEST CREDIT LIMIT BALANCE. TO RESOLVE THIS ISSUE I WOULD LIKE THE ACCOUNT REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX shows on my Experian credit report as a charge off with a balance. The account has been fraudulently been reported. It reflects a chargeoff reported every month since 2020. Most negative information remains on credit reports for XXXX years from the date of the first missed payment. After this period passes, the information should automatically disappear. If the creditor is re-aging the account by reporting it every month the account will stay on the report forever. THE INFORMATION ON THE REPORT SHOWS XXXX NEGATIVE MONTHS. This is a violation of the Fair Credit Reporting Act. In addition, this account reflects that it was transferred to another lender. If it has been transferred the account should not show a balance. it is being reported fraudulently. The account needs to be removed from the report. XXXX XXXX XXXX  is no longer in business ( see attached ). The only resolution for these actions is to remove the account from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!
Product: Money transfer, virtual currency, or money service

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 proce 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

two student loans are reporting under my name with out my knowledge, i have never applied to nay student loans, these inaccuracies equifax is the only one that is reporting, i have provided police report and all the other necessary documents to equifax and they still were not able to help me out. 
please you are my last hope this inaccurate student loans are screwing my credit and can not apply to buy a car that i need. 
appreciate
Product: Credit card or prepaid card

Hello, Good morning, my name is XXXX XXXX and I have a credit card with navy federal for about 2 years now. In 2021 is all when the fraud started with this card. We have asked the company repeatedly to not share our card number or send it virtual in an email is it can be compromised. Of course they did do this and the card was used in XXXX and XXXX. My husband and I are showing almost XXXX of debt on there for 80 % of charges we did not complete we have tried to look at everything and go purchase by purchase but it is too difficult to identify which purchases we made vs. Fraud. We are seeking at this point a settlement amount and the account closed. This is not fair to us as the customers to have over 10 fraud obstacles. We have been beyond frustrated and exhausted all energy. But with a XXXX XXXX paying off for what others have used we will not be doing that. We have not disputed this or reporting most because as stated above we have no clue what some of these charges are. We have charges for overseas prices. This should be caught in the first place. As stated above we are seeking a payoff amount so this does not go to our credit for our future house but we will not be paying this unless there is an agreed amount.