23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

No amount owed due to rat infestation, released from lease. 
All monies reported to be returned.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. 

The company is CAPITAL ONE  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Pay pal has been allowing unauthorized charges on my card and I follow protocol and report them. But they never don't refund me anymore nor stop these charges. So I keep my money in savings till I need to use it. Or I transfer it to my other credit card to pay bills. Which there was no problems last month. Till I tried to transfer money to other card this month and they blocked me from doing so and froze my card. When I called them they said they are allowed to do this. And I told them it's my money and they can't stop me from using it or transferring it. And then they put a 72 hour hold on my card where I can't access my money. Which is government social security XXXX and my only income. When I called again they had no reason for doing this and said they couldn't remove it. Which I told them I knew was nor right. And them not allowing me access to my money was not legal. But I don't know what to do. I need this money. I'm almost out of food and need to pay my rent. I want to transfer the money out after I withdraw my rent money. And then when it's at XXXX balance close account and set up direct deposit in other card for next month. But can't do that till I can have full access to my money again. What can I do?? This can't be legal what they are doing. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The account status is unverified and incomplete XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The following status is Incorrect and unverifiable XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit card

Dear American Express Leadership Team, I hope this message finds you well. I am writing to respectfully request a review of the late fee and interest charges totaling {$270.00} that were assessed on my XXXX XXXX XXXX ending in XXXX. 

As a long-time American Express customer with an excellent history across multiple accounts, I value the relationship Ive built with your institution. I had enrolled in autopay for this account to ensure timely payments. However, due to a technical issue, the autopay feature did not activate as intended. Compounding this issue, I was away on an extended business trip in XXXX for two months, which limited my ability to monitor the account as closely as I normally would. 

In the current challenging economic environment, where managing cash flow has become increasingly critical, this unexpected and substantial charge has created additional financial strain. As reported by recent data, many individuals and businesses are grappling with tightening budgets and rising costs. A gesture of goodwill by waiving these charges would not only demonstrate American Expresss commitment to long-standing cardmembers but also align with your reputation for customer-first service during times of need. 

I trust that you will find my request reasonable given my history with American Express and the genuine circumstances surrounding this incident. I am confident that a resolution in this matter will further strengthen my loyalty and appreciation for your organization. 

Thank you for your time and understanding. I look forward to your favorable response. 

Sincerely, XXXX XXXX
Product: Debt collection

Upon reviewing the information provided to me, I have identified several discrepancies and concerns regarding the debt in question. It is imperative that these concerns are addressed and clarified to ensure a fair and accurate assessment of my financial obligations.Firstly, I request that you provide me with detailed documentation verifying thedebtor'slegitimacy, including the original creditor 's name, the account number, and a complete payment history. This information is essential for me to evaluate the accuracy and validity of the debt in question.Additionally, I exercise my right to request a complete accounting of the alleged amount owed, including any interest, fees, or other charges that have been added to the debt. It is crucial that I am provided with a comprehensive breakdown of all charges associated with the debt, allowing me to evaluate their accuracy and legitimacy.Furthermore, I would like to bring to your attention that I dispute any responsibility for this debt based on the following grounds : Lack of Validity : I have no recollection or knowledge of entering into any contractual agreement with the original creditor for the alleged debt. Therefore, I request that you provide documented proof of the contract 's existence and my consent to it. Based on my understanding of the applicable state laws, the statute of limitations for pursuing legal action on this type of debt may have expired. I request that you verify the statute of limitations and provide evidence that this debt is not time-barred making this false
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I'm disputing fraudulent accounts on my credit report due to identity theft. The creditors, XXXX XXXX Bank and XXXX XXXX XXXX, agreed to remove them because of their fraudulent nature. Please take immediate action to remove these accounts, as failure to do so puts me at risk, and I'll take legal action if necessary.
Product: Credit card or prepaid card

I reported fraud to the credit card company and they refused to honor it because they said I was paying my bill on time and that was reason not to honor it.
Product: Credit card or prepaid card

This is with reference to the Barclays XXXXXXXX XXXX XXXX credit card offer, offer mentions depositing XXXX miles 4-6 weeks after the requirements are met. 
I met all the requirements on XX/XX/2022 and since I didn't see the XXXX bonus miles in my account, so I called Barclays customer representative on the XXXX of XXXX, 2022. After approximately ~ 1 hour of waiting, I was told that I have met all the requirements and I should see the miles within 5-10 days. I inquired again on XX/XX/XXXX and I was given the similar response with the case ID # XXXX. 

On XX/XX/2022 I inquired directly with XXXX XXXX XXXX XXXX customer service and I was informed that the miles have not been deposited. 

On XX/XX/2022 I used the XXXX  handle of Barclays requesting to look into the bonus miles as it has been more than 4-6 weeks since XXXX of XXXX. I was told that to allow them another 30 days to complete the case.
Product: Student loan

My complaint is with XXXX  and fedloan servicing. I was told that I had to make monthly payments of about XXXX dollars a month and when I couldn't pay they continually told me to go into forbearance. I asked about public service loan forgiveness- I work in healthcare. No one attempted to help me. This was XXXX On my own I did get started on the public service loan forgiveness. Flash forward to now. XXXX They have a bunch of payments that are said not to count I think 17. This is because they pushed forbearance. When actually they could have told me to just pay the payment late and it would count. So, they keep pushing my forgiveness date back.
Product: Debt collection

Southwest credit Collectors ( https : //www.swcconsumer.com/ ) has repeatedly called me even multiple time per day, and has called others associated with me identifying themselves as a debt collector. I have spoken with the several times and identified myself, but they would not identify the entity that I own money nor would they tell me the amount. After multiple attempot by me to get this information from them I told them to no longer contact me via phone or any other means. Yet they continue to call me and have expanded their phone calls to my relatives and associates. I again told them not to contact me except by filing a court case today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent registered letter to XXXX  XXXX XXXX  regarding incorrect information on our credit report : 1. On XX/XX/XXXX, XXXX  XXXX XXXX  knowingly provided false information to credit reporting agencies, stating that we owed {$3700.00} that was past due and under collection. This information is completely false, as Bank of Hawaii forgave 40 % of our outstanding balance and closed our account prior to providing this false information. 
2. On XX/XX/XXXX, we accepted XXXX  XXXX XXXX  offer to settle our account for less than the full amount, submitting payment of {$6200.00}, 60 % of the account balance of {$10000.00}, leaving a forgiven amount of {$4100.00}, 40 %. 
3. On XX/XX/XXXX, XXXX  XXXX XXXX  acknowledged our payment of {$6200.00} and the forgiven amount of {$4100.00} in letter dated XX/XX/XXXX, by XXXX XXXX. 
4. On XX/XX/XXXX, submitted dispute to Experian, # XXXX, which was processed with the result XXXX  XXXX XXXX  removing the false {$3700.00} past due information. 
5. On XX/XX/XXXX, XXXX  XXXX XXXX  submitted another false statement in correcting the original false statement of {$3700.00} past due. XXXX  XXXX  XXXX  states under status of our XXXX  XXXX XXXX  account, " paid in settlement, {$9900.00} written off ''. This is not true and correct, the total amount of the account was {$10000.00}, we paid {$6200.00}, the true and correct amount written off is {$4100.00}. 
XXXX. On XX/XX/XXXX, we submitted dispute to Experian and submitted dispute email to XXXX XXXX  XXXX  regarding the incorrect information on our credit report, {$9900.00} written off. 
7. Experian reported under dispute # XXXX, that XXXX  XXXX XXXX  will not correct the {$9900.00} written off, as they state it is correct. 
8. We are submitting this complaint to correct false information provided by XXXX  XXXX  XXXX  on our credit report : " paid in settlement, {$9900.00} written off ''. The correct amount that was written off per XXXX  XXXX XXXX  settlement offer is, {$4100.00}. 
9. Additionally, we request an explanation from XXXX  XXXX  XXXX  as to why and how this information is being provided to credit reporting agencies that is negative and not true. XXXX  XXXX  XXXX  is a regulated bank, that daily provides accurate information to its customers and regulators, and if incorrect information should be provided, they will immediately correct and resolve. 
10. We are recovering from bankruptcy and have made every effort to make good on our past debts by requesting dismissal of our bankruptcy so to begin to pay off our accounts for less than owed. We paid all our bills and obligations on time and were never late or overdue until our lives came crashing down with family, medical and loss of employment. Out of 12 creditors, only XXXX XXXX XXXX  has undertaken this negative attack on our credit reports, providing false information and refusing to truthfully correct to what they know and have the information to support.
Product: Credit reporting or other personal consumer reports

XXXX violates FCRA regulations by reporting the same adverse account TWICE : THERE ARE SAME ACCOUNTS REPORTED NEGATIVELY ( XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX are the same account ). Not only that that same account has inaccuracies since they display different data, which XXXX " SUPPOSEDLY '' investigated and then re-investigated, which looks like very DISHONEST, AND DECEPTIVE PRACTICE by private company which XXXX is and with which I have NO CONTRACT WITH, AND WITH WHICH I REVOKE ANY CONSENT- ORAL, WRITTEN, IMPLIED OR OTHERWISE AS OF NOW TO REPORT ANY OF THOSE TWO ACCOUNT ON MY BEHALF. Additionally LVNV FUNDING LLC is a charge off account, but XXXX DECEPTIVELY continued to report it as a charge off every month and in this manner updating it monthly. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX DID NOT INVESTIGATE AND RE-INVESTIGATE THE ACCOUNT. Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX 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 Collection Account : XXXX {$3200.00} XX/XX/XXXX XXXX {$3000.00} XXXX XXXX, XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXXXXXX XXXX XXXX {$710.00} XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported 6 late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my attached in depth explanation of my complaint against XXXX XXXX XXXX fraudulently collecting debt I don't owe, falsely representing the XXXX ( where I briefly lived ) as the creditor when they emailed me asking me for a copy of this letter because I have only ever had a {$0.00} balance and 2 years later still do, and then NCS breaching all of my rights and immediately reporting delinquent for the past 2 months 1 day after a one page letter with an unexplained balance, calling from a spoofed # with my area code when they are in GA, threatening me, then 2 letters on the same date with different logos and letterhead one stating aware of dispute and a fake invoice, the second letter from XXXX XXXX ( spoofing threatener ) stating I will be sued. The XXXX  has not reached out to them to stop this and that is affecting my credit and ability to get housing - and enabling a crime in their name knowingly ... so I don't understand why they would ignore this when for 2 years I have no balance and they said they would take it of it so I don't sue them ( THEY SAID THAT ), but then haven't returned my call to take the necessary steps and make NCS stop dead in their tracks and remove everything from my credit reports- all 3 ASAP.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX service connected VA veteran and i am having a issue with XXXX and EQUIFAX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to XXXXXXXX XXXX XXXX XXXXXXXX # XXXX for a ambulance service taken me to the VA XXXX for XXXX XXXX  and XXXX risks when i was homeless. All my medical bills are paid thru the Dept. of Veteran Affairs from being XXXX XXXX  service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA Loan for my house. Attached is my VA benefit letter, credit report, id and proof of residency. thank you
Product: Credit reporting

Equifax After chapter XXXX in 2014 there is XXXX credit card account XXXX CREDIT CARD still listed as open. As a result this is bringing my credit score down.
Product: Credit card

There is a late payment on my account that should not be there I made all payments through app on time and this one shows up late Ive never missed a payment on my life and American Express will not remove it after multiple times contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern A few weeks ago I received a call from someone claiming to be a debt collector asking me to pay {$54.00} and I should give her my credit card information so she can take the payment from me. I told her that I have no debt of {$54.00} from XXXXl because I never received a letter from them with my account number on it to be sure that this is a legit information. I XXXX a XXXX XXXX and my phone number is listed over the internet I received phone calls from all over the world from scammers so Im always extra careful. She called me a 2nd time and I respectfully asked her to not call me again like I always do with the scammers. 
Last week I saw my credit report and my score dropped drastically I found out that there is a new collection account on my report. 
I took a loan of $ XXXX and paid all my debts to repair my credit and I was doing pretty good. 
I called the collection company and asked them if they ever sent me a letter with an account number showing any legitimacy and they said that they did. I asked them the address they sent it to and they gave me an old address that I moved out from 7 years ago. 
I told her that the address is wrong and that they should start over the process and send me a letter to my current address and give a chance to pay for the debt if I owe it. The lady said that they will not start over the process and I must pay the {$54.00} and they will mark the collection as paid on my credit. This is more than unfair because I was never given a chance to handle this the right way and I will never give them my credit card information over the phone just like that not knowing if they are telling the truth.