23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX, ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a MVN from XXXX. XXXX ) original service provider [ XXXX XXXX XXXX ], 2 ) CarrieXXXX [ XXXX  ], XXXX ) current creditor [ XXXX XXXX XXXX XXXX ], XXXX ) Current collection agency [ Phoenix Financial Svcs, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXXXXXX XXXX  ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says Phoenix will handle the dispute. The fourth, Phoenix, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. Phoenix rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?
Product: Debt collection

Im coming forward today today to state how this company have purposely created and formed deceptive forms and reported false and inaccurate information on my consumer report with out proper validation I have listed all the laws Credence have violated I want action behind this as I have been embarrassed by the forms they have furnished and placed on my consumer report
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX  XXXX Account Number XXXX  I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX 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 Equifax 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number : XXXX, a collection account XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX for a fraudulent credit card ) on XX/XX/XXXX under the account number : XXXX, and a credit card collection account XXXX XXXX on XX/XX/XXXX under the account number : XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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, are the result of identity theft and fraud. FTC identity theft report for all of the XXXX mentioned accounts is in the attached document. I have also included a related local police report from XXXX XXXX POLICE DEPARTMENT whereas an individual used a fake ID with my information and their picture to fraudulently open a bank account in person, this is suspected to be the same individual who has stolen my identity with the aforementioned accounts. I have included a copy of my Drivers license and Social Security card to validate my real identity. All of the mentioned information is included in the attached PDF document.
Product: Money transfer, virtual currency, or money service

Greetings, I have been a Robinhood user for the past 3 to 5 years. I initially started using Robinhood during the crypto surge in XXXX and became an avid crypto enthusiast. Over the years, I have used various crypto wallets, including XXXX and XXXX. Recently, Ive been using Robinhood more frequently due to its user-friendly interface. 

On XX/XX/XXXX 2024, I transferred over {$4000.00} worth of Bitcoin from my XXXX wallet to my Robinhood portfolio. During the transaction, I received an email from Robinhood stating that my account had been restricted due to suspicious activity, and I was instructed to call for verification. I immediately called and was on hold for about 45 minutes before speaking to a helpful representative, whose name I cant recall. We spent about an hour on the phone verifying transactions, uploading bank statements, and IDs. She explained that the account was flagged because I logged in using two different devices. I assured her that I had installed the app on both my work phone and personal phone, and there was no suspicious activity.

I expected this to be resolved quickly, but she informed me that it could take 2 to 3 business days for the review to be completed. I also let her know about the pending transaction coming into my Robinhood wallet, and she stated that although I wouldnt be able to withdraw the funds during the review, I could still transfer the funds to a different wallet once they arrived.

When the funds came through a few hours later, I received another email advising me to contact support to initiate a transfer to a different wallet. I did so immediately, but for the past three days, Ive been told I can not access my funds until the account restriction is lifted. This contradicts the email, which clearly stated I could initiate a transfer to another wallet to avoid losing out on funds.

I sincerely hope this message reaches someone who can assist me, as my experience with Robinhood over the past few days has been extremely frustrating. Please reach out to me at your earliest convenience.Thank you for taking the time to read my messageI look forward to hearing from someone soon.
Product: Mortgage

We have had nothing but problems with Nationstar Mortgage. They have inappropriately initiated foreclosure on our property twice, are never reachable by telephone nor do they return calls, e-mails or messages sent via their website. Payments were refused and returned to my bank by Nationstar Mortgage despite the fact that our modification paperwork had been approved, then we are told that something was missing and it is denied without notification to us. It took me filing a complaint with the BBB to get a phone call ( just before the BBB deadline to reply ). The person I spoke with said our modification documents did not have the notary seal on th em ... Yes, they sure did. Said the y would have our documents pulled and review to see if the seal was on them and call me back. Took me several more phone calls and messages over several weeks to get a response and finally I received a voice mail that the documents were pulled and that they did indeed locate the notary seal and that they would see what they could do to " push '' the modification through. I received a call stating  that 4100+ ( n ot the exact amount ) was required to bring us current through  XXXX  and they could then book the modification. I sent in  XXXX  and it appears the payments were all posted as separate monthly mortgage payments made on the same date in  XXXX    XXXX   so it does lead me to believe that th ey may finally  be getting our mortgage modification booked as they said they would. I do not believe we should be responsible for the interest that could have been saved had our payments posted and not been returned/refuse d by Nationstar when  we made them in  XXXX ,  XXXX  and  XXXX    XXXX  . They have also tacked on legal fees that should not be our responsibility. I am a nurse and am a pretty understanding person. I am not a sue happy person, however this company is really doing society wrong. If I could afford a lawyer, I am 99 % confident that I would own my home without any further mortgage payments ... in fact Nationstar would probably end up owing me ( along with many other customers they have ).   Today when I logged on to Nationstar 's website, I noticed that a sample statement which is supposed to explain to customers how to read their statement has an actual property address listed. When I looked up the property address via google, it is currently for sale and given the list price, the payment amounts on Nationstar 's " sample '' statement could certainly be realistic. Given all of the errors Nationstar has made with our account and apparently many other customers based on BBB reviews and google searches, I truly have to believe that this " sample may really contain actual payment/late payment information about the actual property address listed below the amount due.   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Continues to report incorrect information that is damaging to fico score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

XXXX has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.
Product: Student loan

Signed up for Nelnet 's auto-debit service in XXXX following the announcement that student loans were going back into repayment. My first auto debit date was XX/XX/2023, but Nelnet did not pull my payment or process it. As a result I am now " past due '' on a payment. 

Nelnet confirmed that my auto debit was active months ago and, upon checking yesterday, XX/XX/XXXX, their web portal notified me that I " already '' had a payment " scheduled '' for the XXXX. Now today, my next auto debit is in XXXX and I am past due for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with XXXX, Equifax, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Product: Debt collection

Genesis reported invalid debt to credit reporting agency in XX/XX/XXXX. I disputed through credit reporting agency in XX/XX/XXXX. Came back verified. On XX/XX/XXXX I called Genesis and asked what this is. They told me the amount and name of original creditor. I told them they must have a mistake. I then filed a complaint on XXXX website. The email they sent me included a brief summary of amount owed and how to pay along with attached bill and apartment lease. This email did not disclose my right to dispute this debt anywhere in it. The claimed debt that genesis  is saying I owe was in XX/XX/XXXX. From XXXX XX/XX/XXXX. I never received any sort or communication what so ever from genesis  during that period. In XXXX complaint, Genesis even admits that debt validation was sent only after I filed complaint with XXXX  in XX/XX/XXXX. I believe Genesis has improperly reported this claimed debt without meeting their obligations under the FDCPA.
Product: Credit reporting or other personal consumer reports

Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXXXXXX XXXX XXXX attachment is before the reinvestigation** *XXXX XXXX XXXX  attachment is after the reinvestigation**
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$16.00} XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}
Product: Credit card or prepaid card

On XX/XX/2020, I lost my wallet containing a WalMart CapitalOne  credit card. On XX/XX/XXXX, I discovered fraudulent charges on the CC to the following amounts : {$150.00} from XXXX XXXXMerchandise {$130.00} from XXXXMerchandise {$110.00} from XXXX  {$44.00} from XXXX  for a total of {$440.00} in fraudulent charges made all on XX/XX/2020. 

On XX/XX/2020 Capital One gave an Initial Acknowledgement XXXX  Fraud. 
On XX/XX/2020 Capital One acknowledged one payment that had yet to be credited back to me and informed me that they were continuing their investigation. 

On XX/XX/2020, I received a notice that there had been no indication of fraud to my fraudulent charges.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report.

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX XXXX  account XXXX date open XX/XX/XXXX balance {$1000.00}
Product: Debt collection

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with JEFFERSON CAPITAL SYST. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from both XXXX and XXXX showing the aforementioned as reporting this information with a " balance '' of : {$1300.00}. I am asking JEFFERSON CAPITAL SYST to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand JEFFERSON CAPITAL SYST to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received notice of a late payment from Idaho Housing & Fina being posted to my account. Paid a day late due to me being out of the country. 

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 it states, I have a right to privacy. Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.