23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One is reporting an account closed from XX/XX/XXXX as 30 days late on XX/XX/XXXX to restart the debt. Now keep in mind I also have a current account with them as well which I have paid on time. I have never had any direct contact or letter from them on my old account. I have never even received a letter it was closed ; yet they are somehow illegally restarting the clock on this debt by reporting it 30 days late - it has been closed since XXXX. I also have not received any current letters about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, NY,XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XXXX XXXX XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Mortgage

In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}! 

Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also. 
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me. 
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement. 
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies! 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am being chargerd for a credit card that I never opened since at the time it was opened I was XXXX and not able to open a credit card and they wont stop coming after me for the balance due.
Product: Debt collection

While at work in XXXX  XXXX, I slipped on the floor and fell down in the medication room, landed on my left hip and left shoulder on XX/XX/XXXX. My co workers helped me to lift me up from the floor. I was sent to the employee health Department the same day, seen by the attending physician. I was sent for XXXX XXXX, I took therapy until XX/XX/XXXX XXXXXXXX XXXX XXXX has proof that the therapy sessions were approved which they sent me on my phone. I was told my sick leave that I have used during my XXXX XXXX hours will be reimbursed later, but my sick leave was never reimbursed. They made me close the case around XX/XX/XXXX in a rush, later I found out that my sick time will not be reimbursed anymore. In XX/XX/XXXX, I received a bill for {$2000.00} from XXXX XXXX XXXX XXXX. I tried to work with XXXX  and XXXX XXXX XXXX XXXX answered me stating that my case is closed. When they closed my case, I was not aware of this oncoming bill or loosing my earned sick leave. On XX/XX/XXXX, I received this letter from Benuck & Rainey , Inc. debt collector. Mean time I have requested XXXX to open my case which they rejected to open. 

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. I hope and request your honorable office to do justice in this case in a humanitarian basis.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may contravene the Consumer Financial Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I contacted these companies for reporting inaccurate information on my credit report. They have not responded to my letters to them and it has been over 30 days. I also sent affidavits to 2 of the companies and they have not responded.
Product: Debt collection

A law firm by the name of BERNDT & ASSOCIATES P.C. Is trying to collect money for there client  XXXX XXXX. They proceeded by filing a lawsuit against me and we are now in the process of going to trial. My initial concerns was that this law firm has only supplied me with computer generated copies of statements that may or may not be accurate. This law firm represents XXXX XXXX, which is trying to collect money that is not owed to them. During and before the court proceeding this law firm stated they weren't debt collectors but the information sent to me stated this information was from a debt collector. The attorney sent to represent during the proceedings seems to think my wife and did not understand she was representing XXXX XXXX, witch in fact we were fully aware ... XXXX She also stated, after I asked three times, how much did XXXX XXXX pay for this debt, that I did not need to know that. It's my right as a consumer to know all information that I've requested, but this law firm and there client only gave computer generated information they wanted me to have, not all that was initially requested. The other scary thing about this case is that the law firm got our information mixed up with another client and gave me her full name and account number. The sad thing is they can't even handle what they are suppose to. It really concerns me even more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments against consumers and ruin their credit!!!! Unfortunately for them I will fight this to the end, even if I have to counter sue them or take this matter to a higher court.
Product: Credit card or prepaid card

Account was charge twice for bill on credit card Genesis one on XX/XX/XXXX Which was authorized for {$45.00}. The other was XX/XX/XXXX which was unauthorized from {$43.00}.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. so am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for mont but I just remembered I could file a report on here ad I feel they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently. my email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Product: Credit card

CreditKarma.com ( CK ) sometimes promotes credit card offers as follows : " Karma Guarantee : You'll be approved or CK will pay you {$50.00}. '' Yesterday I received such an offer when I logged-in to my CK account. The offer was for a XXXX XXXX XXXX. 

I applied for the XXXX XXXX XXXX on CK 's recommendation and with the understanding that I would received either the credit card from XXXX or {$50.00} from Credit Karma. 

XXXX declined my credit application. So I checked CK 's " Help '' section to find out how to claim my {$50.00}. CK provides no means for me to " claim '' the {$50.00} that they promised. Instead, their website states that they will send me an email with further instructions. 

I have received no email or instructions from CK on how to claim my {$50.00} ( and I have check my spam folder as well as my inbox ). This is the same email address that I use to log-in to CK, so they have my correct email address on XXXX At least twice in the past I've applied for credit cards in response to CK 's {$50.00} offer, and I have never received any payment from them even when the application was declined. At best, this cash reward program seems to be poorly managed. At worst, it resembles a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 XXXX XXXX XXXX. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

The week of XXXX XXXX, XXXX XXXX  obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account ( XXXX ) impacting my credit XXXX XXXX XXXXXXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Mortgage

URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.
Product: Debt collection

I Have Been Constantly Receiving Phone Calls From Rent Recovery Solutions The Last 3 Years, Stating That I Owe Them {$3300.00} Acct # XXXX After researching this company this is a third party collection agency that I have no knowledge of, nor signed any document or contract, the condition of this account is Unknown on XXXX, Closed On XXXX & Been Removed On XXXX. 

I Demand Rent Recovery Solution Account Be Removed/Deleted From My Credit Report Immediately & No Longer Contact Me With The Threats & Abusive Language Of Their Customer Service/Support Team.
Product: Checking or savings account

This is about Wells Fargo I have a checking account with them and Im consistently calling them because they always put overdraft fees on my account even though I have the money to cover it. I Have called them multiple times due to them freezing my account to these overdraft fees since Ive had Wells Fargo checking account but this last time I got fed up with them, I called yesterday XXXX XXXX because I noticed overdraft fees on my account XXXX XXXX XXXX and the dates on there I had money in my account plus I get direct deposit from my job the dates were XX/XX/XXXX on one and XX/XX/XXXX on the other overdraft fee I had just received a payment of XXXX plus my daughter sent me XXXX to my account plus I had XXXX dollars direct deposit in my account right around the times that those overdraft fees were for so why are they charging me overdraft when I had money in my account so I called them and they do not listen to what I am saying plus the took off my overdraft protection without notifying me how can they do this my daughter works at a bank and she told me they can not stop your overdraft protection unless you tell them to or you close your account I never told them I want the overdraft protection off my account im so upset with Wells Fargo they want to do what they want to do and not what the customer wants and thats not right that they can make changes to peoples bank accounts without notifying the customer and these overdraft fees when people have the money to cover it
Product: Consumer Loan

ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.
Product: Credit card or prepaid card

I awoke on Saturday, XX/XX/2020 to discover that someone had used my PayPal Business Debit MasterCard to charge {$550.00} to various merchants. Naturally, I called PayPal to report this and request that my card be deactivated. No one was available to take me call. Certainly I was prepared to wait on hold for an extended period, but I did not expect to be disconnected. After some online and automated telephone research, I managed to close the account. I'm currently contesting the charges as they clear my account. Given the importance of the situation ( and my past 12 years of experience with PayPal ) I feel that it is critical that an ACTUAL PERSON discuss this matter with me. Again, this morning, I attempted to call PayPal. Again, I was told by a computer voice that they had high call volume and couldn't help me. This is absurd. Rather than rely on their website for a resolution, it's imperative that I speak to an actual person. I will also be reporting this situation to the Maryland Attorney General 's Office and the XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold to Seneca Mortgage LLC and my first payment is due on XXXX XXXX. I have no account number, no idea who to contact, or how to make my first payment.