23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out that this account was showing as 120 days late in XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is inaccurate. After you completed that investigation you are still showing this inaccurate information. Also, XXXX is showing different information for XXXX and XX/XX/XXXX than you are, and all credit reporting agencies should have the same information or it is deemed inaccurate according to the FCRA. I have attached XXXX reporting of this account. These inaccuracies are highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. After I have asked you to fix these 3 times, you still have neglected to correct the mistakes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Mortgage

In XXXX XXXX Ocwen paid my taxes and homeowners insurance when I was not behind on the payments, increasing my payments to an unaffordable payment. I struggled to make my payments and got behind. Ocwen had me apply home modifications to help make my payments affordable, three times, but they knew I would not qualify for a modification as I had a previous modification done in XXXX. My loan is only allowed one modification per the lifetime of the loan. I have been going through this for several months now. Now, they are saying my PITI payment is {$2000.00} with a breakdown of {$950.00} P & I and {$1000.00} of escrow, BUT my annual taxes are {$2800.00} which equates to a monthly amount of {$240.00} and they can not tell what the additional {$810.00} of my PITI payment is. They could not answer if I have forced placed insurance, but I have paid my own policy with XXXX and it has never lapsed. Please help.
Product: Credit reporting or other personal consumer reports

I have disputed my account to experian numerous amount of times at least XXXX disputes pertaining them reporting false information about the allege balance and late payment for CHILD SUPPORT ENFORCEMENT. The first issue I had at hand when I made my first disputes in XXXX & XXXX was that any account that is reported to my credit report shall have began with a crest transaction I never ran my credit or agreed to be on child support. XXXX has already declared this as unconstitutional and labeled as wrong doing. The second issue I had was I had full custody through the courts of my child from the XXXX period and I provided court documents showing this to CHILD SUPPORT ENFORCEMENT & EXPERIAN. CHILD SUPPORT ENFORCEMENT suspended my order and payments in XX/XX/XXXX after I had an incident with the law due to this false reporting. Now in XX/XX/XXXX CHILD SUPPORT ENFORCEMENT still garnished half settlement check I received for XXXX & updates the balance as {$0.00} paid and currently suspended. They sent me proof of this by mail which was apart of my dispute with Experian and I also played a voice recording over the phone for Experian of a representative from CHILD SUPPORT ENFORCEMENT stating that my account was at current. For some reason Experian decided to update my account XXXX to {$0.00} with a potentially negative. Now currently when I log back into my Experian account they put back the false information stating that I owe {$1700.00} and potentially negative. This has effected my ability to receive new credit opportunities this has effected my mental health and I have been falsely arrested due to this ignorance that had my drivers license suspended in the system inaccurately. My next step is going to court and making this a legal matter so I hope you can assist in fixing this issue and restore my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX is the date IC Systems begin reporting on my credit falsely, negatively, and inaccurately. My credit report shows I currently owe an unknown debt of {$570.00}. IC Systems has been updating missing payments every month since XX/XX/XXXX date, and this has caused me not to get approved for certain business loans. I have contacted via telephone to them and they can not provide me the breakdown on the bill as to why I owe this amount. I also contacted XXXX XXXX who sold this collection to IC Systems, and they could not provide me with the final bill showing that I owed them as well. I sent a dispute letter on XX/XX/XXXX to IC systems to get this problem handled and I have not received any communication or letter on this matter. The letter was certified through the mail as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to M & M Credit in regards to this alleged debt. On XX/XX/21 the alleged debt was removed and the balance was decreased to XXXX. Exhibit is attached. 
I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to XXXX FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.
Product: Debt collection

This is a debt from XXXX XXXX... I have made payments on it. They wanted more than I had available. Said they'd take nothing less. Took me to court and sued me. Garnished my taxes. Debt stayed the same. Attempted to garnish my bank account. Bank rejected them stating money from social security. Took my taxes again. Still total debt doesn't change. How am I ever supposed to get it paid down if they refuse nothing less than full payment but won't deduct the money they get from my taxes to go against the total either.
Product: Credit card or prepaid card

On XX/XX/22 I received my order from The XXXX XXXX which costed {$210.00}. The order was for 2 live saltwater fish, which were deceased on arrival. I proceeded to file a claim with the merchant and asked them to just resend the order. They did not respond and instead sent a store credit which can only be used at their website. The two fish that I had originally purchased were no longer in stock and I was stuck with the {$210.00} charge. This is when I proceeded with a billing dispute with my Apple Card ( Goldman Sachs ). I sent them all my email transcripts, pictures of the fish, and email with the store credit. They ruled in favor of the merchant the first time and still did after two appeals and talking to a supervisor. I explained to them that the original product I purchased cant be purchased because its out of stock, it still is today, but they rule in favor of the merchant because they refunded me in the form of a gift card that can only be used at their website. There is nothing stopping this merchant from sending damaged goods and then only offering a refund in the form of store credit to be used with them. I told Goldman Sachs this in the latest appeal and today they ruled in favor of the merchant again. I have looked at XXXX website over and over trying to see if the fish were in stock so I could get this dispute over with but they are never in stock.
Product: Debt collection

XXXX  XXXX XXXX XXXX has sent an inaccurate debt to be collected by GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Creditor opened collection XX/XX/XXXX As of today XX/XX/XXXX amount showing owed on credit report varies between {$840.00} and {$1200.00}.

I had paid my insurance co-pay of {$250.00} at the time of service for a procedure and was told no other amounts would be billed.

I have no income and have been diagnosed with XXXX  due to several sudden hardships that have occurred since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that one of my credit card accounts had been closed due to a bankruptcy filed XX/XX/year>. I am not in bankruptcy. I was directed to contact the credit bureaus which I did and was told by each of them that they show no bankruptcy on my credit report. 

This is a continuous issue with my siblings credit information being merged with mine. Our names and social security numbers are very similar. I have had security alerts, freezes etc added to my social security account to no avail. 

I contacted XXXX XXXX, XXXX, Equifax and XXXX and none of the companies are claiming to be responsible for the error. One of them had to post the bankruptcy because my XXXX credit card account has been closed because of it. 

Please help. The only solution that the credit companies offered was a free credit report.
Product: Credit reporting

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Product: Mortgage

First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding an unsecured loan with Upgrade Inc. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within Upgrade Inc that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact XXXX about this matter, the company that had purchased this collection account. I contacted XXXX, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with XXXX, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from XXXX. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of Upgrade Inc. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with Upgrade Inc., for {$1500.00}, it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX  XXXX  to check my credit and was surprised to see Transunion still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX  XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of Xactus pulled a hard credit check on my credit without my permission twice... once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points {$11000.00} Down payment {$3200.00} from Barclay card Maintenance Fee {$870.00} Financed {$8700.00} At XXXX XXXX we were told we would be able to pay our entire maintenance fee by using the Barclaycard. 
We were told we could take a cruise using XXXX points We were told we could rent a car using XXXX points Owner Orientation in XX/XX/XXXX at XXXX XXXX in XXXX XX/XX/XXXX Sales agent : XXXX XXXX XXXX points purchased Purchase price : {$17000.00} Down payment {$3400.00} Amount financed : {$13000.00} They open XXXX XXXX XXXX and charge about {$4000.00} with 25 % rate. This is used for down payment and selling as points, which is valueless and useless. This is false ads and prey on consumers. We have over XXXX consumers complains with same company that open the account on site without any outside consultation with pressure sales tactics by this XXXX XXXX XXXX with bad practice and ruin my finance and used Barclay Bank Credit Card
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$640.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Jefferson Capital Systems , LLC and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Jefferson Capital Systems , LLC claims I owe within XXXX ( XXXX ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Jefferson Capital Systems , LLC for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Jefferson Capital Systems , LLC claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Jefferson Capital Systems , LLC I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Jefferson Capital Systems , LLC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Jefferson Capital Systems , LLC has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts on My Equifax Credit Report Dear Equifax, I am writing to formally dispute the following accounts appearing on my Equifax credit report, which were fraudulently opened and do not belong to me : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX My personal and financial information was compromised due to the Equifax data breach and XXXX  XXXX XXXX XXXX XXXX data breach . As a result of these breaches, my personal information has been exploited by fraudulent individuals to open unauthorized accounts in my name. 

Additionally, as an active member of the military who frequently travels abroad, I am at a heightened risk of identity theft and unauthorized use of my credit information. These accounts have been falsely attributed to me, and their presence on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 611.

I demand an immediate investigation into these accounts and request that they be permanently deleted from my credit report. Reporting inaccurate and unverifiable accounts violates my consumer rights under the FCRA. 

Please conduct a thorough investigation and provide written confirmation once these fraudulent accounts have been permanently removed from my credit report. Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX