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

1.I have never had an account with this company CAPITAL ONE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CAPITAL ONE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining
to the U.S. Code 1692 and 1681.
Product: Debt collection

I called XXXX on XX/XX/XXXX in the afternoon to close my account and in the recorded line you can hear the agent confirm my account was closed in good standing. My monthly bill was about {$85.00} I am not sure how I owe {$230.00} after that phone call. Please request to listen to this call and you will get all the proof you need to dissolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Credit card

I contacted Venmo about a {$6.00} charge, the representative did nothing about it, and I told them that I called XXXX and spoke to a representative about this charge of {$6.00}. The representative from XXXX said that they could not locate the charge on their end and gave authorization to Venmo to remove the transaction on their end. The representative from XXXX sent me an email to send to Venmo which I did. I still haven't been reimbursed for XXXX. I am get charged twice now. I've made several complaints on here and nothing seems to be done and Venmo still is allowing these charges to go through. Can this be expedited to a manager so they can review why Venmo hasn't removed it and continues to allow these charges. I want my money back along with any fees or interest I had to pay because of this.
Product: Debt collection

Received letter in regards to an alleged debt from 1996. Original debt supposedly came from XXXX XXXXXXXX XXXX, possibly also known as XXXX. I never had any business dealings with this company.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent money to someone via Paypal that I found through a public forum group who posted that they have extra, legitimate tickets to an event. He proceeded to tell me they were legitimate and for me to send the money via " Friends '' option through Paypal for his " easy confirmation. '' A day later I still do not receive the ticket and realize he'd ask for a " Friends '' money transfer so that I will not be able to dispute this transaction as fraud or suspicious activity. I have record of our conversation on XXXX where his profile name is different from the Paypal name and evidence of him scamming me. People like this shouldn't be allowed to use Paypal. I contacted Paypal about it and I have no reply or even acknowledgement of the situation. I've only lost {$30.00} but my issue is that people like this are avid users of Paypal and are getting away with fraudulent activity. I have record of people posting on the same public forum that he has been posting to event groups about " legitimate tickets '' for a while. How can Paypal let this slide and keep him on their platform to continue scamming people? It's despicable. Turns out he clearly made this XXXX just to scam people, as I went back to screenshot our convo and he's deleted the account so that his replies don't show up. You can tell however, from the contents of my replies what the conversation was about. I even have a picture of the time of receipt/confirmation of payment via Paypal that I sent to him as proof of my " purchase. '' I proceed to ask him when he'll send my ticket and he fails to respond.
Product: Debt collection

When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. Account was then placed on my credit report.
Product: Credit reporting or other personal consumer reports

On Wednesday XX/XX/2024 and again XXXX  XX/XX/2024. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure
Product: Debt collection

I lived in the a XXXX XXXX XXXX  with some room mates from end of XX/XX/XXXX- XX/XX/XXXX. I was signed off of the lease on XX/XX/XXXX. A few months after I moved out the remaining people living there were evicted and even though I was not living there or legally responsible for the apartment There is an open collections account from IQ international for {$4600.00}. I have already filed a dispute with XXXX  and XXXX. XXXX  has removed the account from their report however, XXXX  is saying the information is correct even though I have the document showing I was signed off of the lease on XX/XX/XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

I have written to Portfolio ( two accounts XXXX and XXXX ) ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt and that I was late leading to a chargeoff.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting FRAUD AND defamation Of my character! XXXX XXXX is reporting FRAUD AND defamation Of my character! TRANSWORLD INC is reporting Fraud I never had a XXXX  account! 

must correct or delete inaccurate, incomplete, or unverifiable information. If a CRA fails to maintain accurate information, consumers can file a class action lawsuit. CRAs must follow proper procedures when investigating a complaint about an error on your credit report. CRAs can violate their obligations to report accurate credit information if they mix your file with someone else 's file. A credit report may show a creditor or lender that doesn't exist or with whom you have had no financial dealings. Rejected disputes despite providing clear evidence
Product: Debt collection

Asset Acceptance, unbeknownst to me, sued me and won a judgment by default against me this week on a debt that is 9 years old. I no longer reside at the address they have on file, which is partially incorrect as the address they disclosed lists my address as an XXXX even though it is a residence. I was not properly informed by this company of them attempting to collect a time-barred debt and only found out today when I received a notice from the county clerks office sighting an involuntary lien document recorded against me this month. This company once again is violating the FDCPA law by sueing debtors on time-barred debts and winning judgements by default against these debtors due to lack of proper notice. 

The claimant/creditor is ASSET ACCEPTANCE LLC XXXX MI. XXXX TELEPHONE- XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute several fraudulent accounts and credit inquiries that remain on my Equifax credit report due to identity theft. Despite my repeated efforts to resolve these inaccuracies, including filing disputes with Equifax and the Consumer Financial Protection Bureau ( CFPB ), these fraudulent accounts continue to impact my credit standing. 

Background I have been a victim of identity theft since XXXX and have filed multiple police reports over the years to document this ongoing issue. Most recently, on XX/XX/XXXX, I discovered yet again that multiple accounts had been fraudulently opened in my name and several unauthorized inquiries had been made. In response, I took the following steps : XXXX. Filed a police report On XX/XX/XXXX, I filed a police report with the XXXX Police Department XXXX officially documenting the identity theft. 
XXXX. Submitted an Identity Theft Report On XX/XX/XXXX, I completed and submitted an Identity Theft Affidavit. 
XXXX. Reported the fraud to Equifax I contacted Equifax to dispute the fraudulent accounts and inquiries, providing a copy of my police report, Identity Theft Affidavit, and supporting documentation. 
XXXX. Placed a fraud alert on my credit file I requested that a fraud alert be placed on my credit reports with all major credit bureaus. 

Despite providing substantial evidence proving that I am a victim of identity theft, Equifax has failed to remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX Additionally, I escalated this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. However, these fraudulent accounts remain on my Equifax report, further exacerbating the hardship caused by this identity theft. 

Requested Action I am formally demanding that Equifax : 1. Immediately remove the fraudulent accounts listed above from my credit report. 
XXXX. Provide written confirmation that these accounts have been removed. 
XXXX. Ensure that no further fraudulent activity linked to my identity appears on my credit report. 

I am attaching copies of all relevant documentation, including my police report, Identity Theft Affidavit, prior dispute correspondence, and my CFPB complaint. I expect a response and resolution to this matter within the timeframe required under the Fair Credit Reporting Act ( FCRA ). 

Failure to properly investigate and remove these fraudulent accounts may result in further legal action. Please acknowledge receipt of this dispute and provide an update on the resolution process as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

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

I did not authorize this credit pull
Product: Debt collection

They called over 80 times within one hour while I was at work. Amount owed was XXXX. I paid it off now. They called so much I couldn't even use my phone until i answered it.
Product: Debt collection

I received text message from XXXX at # XXXX XXXX is a debt collector. We've partnered with CKS Prime Investments , LLC to resolve your XXXX XXXX balance. Log into our secure website XXXX for details. Reply STOP to stop. 

I am not familiar with XXXX XXXX and sent STOP response. XX/XX/year> I received another message and responded again. 

I had previously received but deleted and do not have the dates. 

As you see there is not an actual phone number for me to contact requesting my number be removed.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with pocketfund in XX/XX/XXXX. I made a payment of {$180.00} in XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing me.
Product: Mortgage

From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Record on XXXX XXXX File Dear CFPB, I am writing to formally dispute an incorrect late payment record on my XXXX credit report. The record inaccurately reflects a 60-day late payment reported by [ XXXXSELFLNDR ] for the account ending in [ XXXX ]. This is an error, as I have consistently made on-time payments for this account. 

I have already contacted both XXXX and XXXXSELFLNDR to resolve this issue but have not received an adequate response. I am requesting your assistance in investigating and correcting this error. 

Attached, I have provided the following documentation to support my claim : A copy of my XXXX credit report highlighting the error Payment history or account statements confirming timely payments This incorrect reporting has negatively affected my credit score, and I kindly ask for your prompt attention to resolve this matter.