23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already submitted a complaint and the company called Direct Recovery ignored the complaint and keep harassing my sick mother. They have ignored the first complaint submitted to you and now I expect you to take action. They have broken the law when you told them to stop. The phone call was made today XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX XXXX, Opportunity Financial ], account is reporting closed with Experian and XXXX bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Money transfer, virtual currency, or money service

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.. We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. Crypto.com throughout all of this never once wared me against submitting sending the funds, eventhough they had the resources to view and see that the account i was sending funds to was clearly red flagged.
Product: Debt collection

This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.
Product: Debt collection

i do not recognize the account " XXXX XXXX '' represented by Portfolio Recovery. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX today. Discrepancies are date opened XX/XX/XXXX, date of last payment I never made XX/XX/XXXX. Date of first delinquency XX/XX/XXXX and date reported XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.
Product: Debt collection

i have not had any communications to collect on this debt and it is negatively affecting my credit score. I have no idea how to contact this agency and get this credit card paid. I have the means to pay and its not a large sum but I want it of my credit report nd I cant do that if I do n't know where to send a payment to. its ridiculous that an agency can just collect an account without any notification to the person whose name it is in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly listed my status as a late payment - XXXX XXXX - letter from them included herein - has Crrected this error. 
all other credit reporting agencies have Corrected their reports but Transunion wont correct theirs and it hurts my credit
Product: Consumer Loan

XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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 XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Chase Bank, I am writing to request an investigation into several concerns. 

1. I opened this account as a secondary debit/checking account. I am concerned that I am being charged a monthly fee, despite meeting the requirements for a free account. I had to pause work direct deposits for my second part-time job, because I am dealing with some issues of identity fraud. First of which involves inquiries made for a Chase credit card that I did not make. 
2. I was charged an overdraft fee when I called Chase and confirmed that by depositing the cash to cover the fee that I would not be charged. 
3. My roommate has been sending her rent to this account on XXXX, so that I keep the minimum deposit requirements. Please refund the monthly fee and explain why this was charged. 

XXXX regards, XXXX XXXX XXXX, XXXX.
Product: Prepaid card

I have the Rushcard. I 'm sure you are aware to the current issues. I was unable to use my card for transactions since they updated their system over 12 days ago. I was unable to pay for my mail order medication so I was without for 5 days. I was unable to pay an emergency room co-pay because I could n't use my card. I was forced to go the the emergency room because I was unable to get my medicine because I could not use my Rushcard. I called Rushcard was on hold for over an to only be told we do n't know when our system will be working. Then today I received a email from Rushcard telling me they can not locate my account. This is unacceptable
Product: Credit card

Double statement balance payment was made on XX/XX/XXXX. Bank of America said they refunded the XXXX payment on XX/XX/XXXX but payment was never received by our bank. They acknowledged clerical error in refund transaction but have refused to apply 2nd payment credit to credit card balance. Have requested trace number for transaction but they will not provide it. I Simply want money we paid to be applied to our credit card balance.
Product: Debt collection

On XX/XX/2020, I received and email from XXXX credit monitoring systems stating that Commonwealth financial had placed a collection on my credit report. The debt pertains to and old medical collection that was never verified, and later removed from my credit report. This company has bought this debt from another agency and are trying to collect on it. This company also did not send me any written notice/bill before they placed it on my credit report, which is a direct violation, therefore causing a significant point drop in my credit score. The balance they have listed is for {$1300.00}. Also, this debt is past the allotted time frame in regard to the Statue of Limitations laws pertaining to medical debt. I can also verify that XXXX XXXX XXXX tried to collect on this debt as well, and after further investigation, the debt was never verified, and removed from their system, and I have the proof to support this. However, this fraudulent debt placed by CommonWealth Financial has not been verified by previous collectors, and needs to be removed from my credit report, within a timely manner. 

I would like this company to be recognized as one to place fraudulent collections on consumers credit reports, and a company who does not follow the guidelines of the CFPB.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/2019, a comment " Account information disputed by consumer, meets FCRA requirements '' was added to our mortgage. Subsequently it lowered our score by double digits just as we were looking to finance the purchase of a new automobile. No account information was ever disputed. We had asked that they provide the correct address to our insurance agent because the previous one was not valid and led to the premium not being paid on time from escrow. ( see attachment " Untitled.jpg '' ) This issue began after the account was transferred to the servicer and the company failed to notify us that they did not have the policy information. A three-way call between the mortgagee, servicer and agent was necessary ensure the servicer provided the correct information then paid the claim out of escrow. 

We went through this bizarre issue just last year last year when another comment lowered our score as the property was designated as " Affected by natural disaster '' when no such insurance claim or official government designation was made. ( see attachment " Untitled 001.jpg )
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : EXPERIAN Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am filing this complaint against Capital One Financial Corporation ( Capital One ) for fraudulent and deceptive practices regarding alleged credit card accounts, which violate federal laws including the Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act ( FCRA ). The actions of both entities have caused me financial harm, emotional distress, and reputational damage. 

1. Fraudulent Origination of Alleged Debt Capital One have failed to provide evidence of any lawful consideration extended during the origination of the alleged credit card accounts. Specifically : No disclosure was provided under TILA regarding the true nature of the transaction, which relied on the monetization of my promissory note or signature. 

There is no evidence that either institution suffered a financial loss or extended actual funds to support the alleged credit. 

The failure to disclose these critical details constitutes a violation of 15 U.S.C. 1601 et seq.. 

2. Unlawful Sale or Assignment of Debt Capital One has purportedly sold or transferred an alleged debt to a third-party debt collector despite : Reporting the debt as a charge-off and loss on their financial statements. 

Lacking proof of any financial loss, making such a sale fraudulent and deceptive. 

Violating 15 U.S.C. 1692e by misrepresenting the character, amount, and legal status of the debt. 

3. Misrepresentation and Deceptive Practices Capital One have engaged in deceptive practices by : Attempting to collect on debts that are invalid and unenforceable under contract law due to the lack of equal consideration. 

Misrepresenting the validity of the alleged debts to credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( FCRA ). 

Failing to provide proper verification or validation of the alleged debts upon request, as required under 15 U.S.C. 1692g. 

4. Negative Credit Reporting Both institutions have reported inaccurate and unverifiable information to credit reporting agencies regarding the alleged debts, causing harm to my credit reputation. This constitutes : A direct violation of FCRA. 

Defamation and reputational damage, as the reported debts are not legally enforceable. 

5. Emotional Distress and Financial Harm The actions of Capital One have caused : Severe emotional distress due to harassment and deceptive practices. 

Financial harm, including lost opportunities due to negative credit reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US 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

N accordance with the fair credit Reporting act XXXX  account XXXX, XXXX account # XXXX XXXX XXXX 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 sates a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit reporting

An auto loan with XXXX XXXX XXXX which is correctly shown on my Credit Report as paid in full in 2005 is carried on my Credit Report as an open account. That makes no sense so I would like it deleted from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from XXXX  and Transunion. They should update this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  XXXX XXXX and Experian us laugh did not report my right score all my credit report after youre still loans was erase
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

I attended the University XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX in XXXX. Its headquarters is based at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. In XXXX, I returned to the XXXX and started my 5th semester in XXXX for 5 months and then proceeded to study for my step1 board exams. in XXXX, I started my rotations at the University XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After completion, we the XXXX were informed by the bank which sourced our loans then, that we would no longer be allowed to receive further loans due to fraud by the school. My loans were transferred to XXXX. 

We the XXXX contacted the school, and kept getting unanswered questions, until the owner disappeared for some years. I personally visited the island in XXXX and found the school fully closed, gates locked and grass unkept. I have not heard from anyone since XXXX, and was unable to complete XXXX XXXX 

I recently tried to report this via consumer affairs but was only told that the school is as opened. I do not know where to turn to or how to even begin to figure this out, but I am seeking the right source for this school to be investigated. I am left with an excess of XXXX loans with nothing to show for it. Please assist me with this or guide me to the correct source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!
Product: Credit reporting or other personal consumer reports

I sent a letter to southwest credit system ( XXXX ) still havent received any response back