23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

If it was a charge off, why I didnt get a 1099c so I could report it as income. Its still a balance on my report. They are committing fraud. If its not removed from my credit report, Im going to file charges and let the IRS know whats going on with this company.
Product: Debt collection

A debt collector named Portfolio Recovery has been calling me repeatedly EVERY DAY several times a day. I have tried blocking their number, but then they just call over and over from new numbers. In the last 7 days, they have called me over XXXX times.
Product: Debt collection

Phantom Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was contacted XX/XX/2020 @ XXXX MST from XXXX I was told my debt was {$4800.00} and that I would owe {$6400.00} after a judgment was granted against me and my wages would be garnished and negative information would be entered against my credit report. 
I was told I could get a settlement amount or make payment arrangements before this went to court and accrued legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance Experian has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and Experian deletes them. I have also reported this to the creditors. Experian takes months to update accounts creditors are reporting monthly
Product: Consumer Loan

I got several calls from Wells Fargo regarding a late payment - my payment was not late they received and they took the payment and applied it to my principal - I have the cancelled check - they then proceeded to say I was 31 days late and did I not know how to manage money - the women named XXXX was rude and abrasive - the issue was resolved but I was called the next day and treated the same way- IT WAS THERE ERROR and they were still calling me - I would never want anyone to be treated this way.
Product: Debt collection

Frost Arnett has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan ( PHH ) had been in a covid forbearance program and then went to a loan modification agreement in XX/XX/2022. On XX/XX/2022 the mortgage company reported the loan as more than 12 months past due and the amount past due of over {$36000.00}. The loan was never late or had a past due amount. This incorrect reporting and information has destroyed our credit and made life impossible. I have made numerous calls to the mortgage company to complain about this incorrect credit bureau reporting and written several letters to no avail. Is there anything that you can do to help us resolve this terrible and unjustified error in reporting?
Product: Credit reporting or other personal consumer reports

RE : DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT XXXX XXXX XXXX ACCOUNT UNDER FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of the fraudulent XXXX XXXX XXXX account reported on my credit file. This account was opened without my authorization, and I have provided all the necessary documentation proving that I am a victim of identity theft. Despite submitting the required documents, including : FTC Identity Theft Affidavit LAPD Police Report Copy of my ID, Social Security Card, and utility bill You have refused to block the fraudulent account as required under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations Committed by Equifax XXXX. FCRA 605B Failure to Block Fraudulent Information Equifax is legally required to block fraudulent accounts resulting from identity theft within four ( 4 ) business days. By failing to do so, you are in violation of FCRA 605B.

2. FCRA 611 ( a ) Failure to Conduct a Reasonable Investigation Equifax is obligated to conduct a reasonable investigation into disputes within 30 days. If XXXX XXXX XXXX failed to verify the loan as belonging to me, the account must be removed. You are in violation of FCRA 611 ( a ) by not properly investigating.

3. FCRA 607 ( b ) Failure to Ensure Maximum Accuracy Equifax has an obligation to ensure the maximum possible accuracy of the information it reports. Reporting a fraudulent account is a violation of FCRA 607 ( b ). 

4. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information If XXXX XXXX XXXX furnished inaccurate data, you are required to remove it. You must report only accurate information under FCRA 623 ( a ).

DEMAND FOR IMMEDIATE ACTION Due to these violations, I demand that you take the following actions within five ( 5 ) business days of receiving this letter : 1. Immediately delete the fraudulent XXXX XXXX XXXX account from my credit report. 

XXXX. Provide written confirmation that this account has been permanently removed. 

XXXX. Cease all future reporting of any fraudulent or unverifiable debts under my name. 

If these demands are not met, I will proceed with the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Pursue legal action under FCRA 616 and 617, seeking statutory damages of {$1000.00} per violation and punitive damages. 

Please treat this matter with urgency and resolve it immediately. I expect a written response confirming the removal of this fraudulent account. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I graduated from College in XX/XX/2012. After graduation I was unable to find a job in my field ; but I was making minimum payments on my loans while I was in college. But I was working as XXXX for a XXXX and about 6 months after graduation ; I was contacted by Sallie Mae or XXXX. The representative asked me number of questions about my to income to set up a appropriate payment plan for me. I was told my monthly payment would be close to {$500.00} a month. I said alright. A few days later I was contacted again and told to set up a payment plan again. The first person never told me that she was actually only setting up a payment plan for federal loans. This particular customer service rep continue to tell me that I need to set up a plan very aggressively over the phone. Confused I kept stating I have already set up a payment plan for my student loans ; after about 10 minute the rep finally reveals that oh I am calling about your private loans and you have to pay again close to {$500.00} a month. Making only {$XXXX} a month after taxes more than a {$1000.00} were going towards my student loans and they would n't understand that I was making bare minimum. I had other expenses. Granted I lived at home with my mother ; but I have been suffering from a XXXX for more than 8 yrs ; so I stated I have monthly medical bills. I had to pay more than {$5000.00} for XXXX and {$3000.00} hospital bill and other monthly copays. Soon thereafter I lost my job due to my illness ; so I was being contacted by collection agencies telling me that they were going to start garnishing my mother 's income and confiscate my car. So I had to pay on my credit cards and I told the rep of collection agency ; that I have been very sick and have XXXX. But she did not care and continue to threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I don't recognize
Product: Credit reporting

There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my report
Product: Money transfer, virtual currency, or money service

Im filling a complaint I against cash app ( Block Inc. ) due to in adequate customer service and unfair practices, which valleys the consumer financial protection Act ( CFPA ). Specifically cash app bill to take timely ineffective measures to prevent and address fraud on the platform leaving my account and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions. Has caused significant inconvenience, and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for months and is still reporting inaccurate on my consumer report. Please see attached.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX XXXX Late Dates : XX/XX/20
Product: Mortgage

During Covid when I was laid off I went into a forbearance period. After I was back to work I filled out all the paper work to have my loan modified. They received it in XX/XX/2021. Then I needed to resubmit a paper. I did so and now nothing is updating on their site. I can't get through to talk to anyone. They never reply to any emails that have been sent. I have an extension to a loss mitigation representative for my account but there is no where to put the extension in when you call. They were supposed to take an autopsy and it has not been withdrawn. When I call they act like I have done something wrong and are extremely rude. I do not want to lose my home due to not being able to make a payment and have my modification taken care of. Horrible customer service at all avenues.
Product: Credit card

I made a payment to Capital One ( Pottery Barn ) of {$9100.00} from my XXXX XXXX Bank online portal on XX/XX/2023 before the payment was due. 

I received notice on XX/XX/2023 that I was charged a late fee of {$29.00} and interest charges of {$230.00}. 

I called customer service to inquiry about my payment, as my bank had sent out a check for payment on XX/XX/XXXX. The customer service representative indicated that they still had not received payment. So, I asked if they would waive the late fee and interest charges and I would process an ACH payment immediately for the {$9100.00}. The customer representative said she could waive the {$29.00} but couldn't waive the interest. I asked to escalate to a supervisor and the call was terminated. 

I processed an ACH payment on XX/XX/XXXX for {$9100.00}. 

I cancelled the check from XXXX XXXX Bank. 

On XX/XX/2023 XXXX received the check from XXXX XXXX Bank that I had cancelled. 

I have requested to be refunded for interest charges. I paid my bill on time ( for goods that will not be delivered until the end of XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Application was denied. Never received letter as to why it was denied. No contact info changes. XXXX could not tell me why for denial.
Product: Debt collection

I been received multiples calls and even my husband received this phone calls asking to speak to me. When I return the phone call because they left a voicemail in regards of a civil complaint. They state of the phone call been recorded and made me confirmed my name, my last 4 digits of my social. And my address.They said I owe {$3000.00} from capital one. I responded saying that I dont have an account with that company for a very long time. They responded by saying that it was an account from 2006. That I need to pay it back or if anything we could have settle down by paying {$1000.00} or else I will be disputing this charges in court. When checking my credit I dont have any account capital one or owe that company no money. I even check with an operator to check my credit just make sure I dont owe anything and they confirmed there is no account under my information. This the number that I was told to call back XXXX
Product: Credit reporting, credit repair services, 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:XXXXXXXX  Account name : XXXX Account number:XXXX has violated my rights. Or 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: Mortgage

In XX/XX/XXXX, I successfully completed a chapter XXXX and was XXXX. After XXXX years of stalling and going round and round with Wells Fargo XXXX late in XX/XX/XXXX, there was finally a workout plan which I accepted. I asked for full disclosure of all obligations that I would incur. Some were provided. Again in XX/XX/XXXX, I repeatedly asked for full disclosure of any and all obligations that would incur as well as a full detail of all forgiveness amounts. What was provided was not what I or my tax adviser requested. Related : Case number : XXXX Now I have received a XXXX showing " other income '' in the amount of {$1300.00}. 
I called. I was told it was a refund of late charges assessed prior to my entering bankruptcy ( in XX/XX/XXXX ) that had been credited to my account -- and never disclosed. 

So now, I have a tax liability that I was n't expecting for income that I do n't know anything about because this was never disclosed. 

First, I asked for a detailed accounting of all amounts that might or would be forgiven in the workout. That detailed accounting was NEVER provided. And now I have 'surprise ' income that I did n't actually receive and was never disclosed. 

Second, 'surprising ' this XXXX year old XXXX with what may turn out to become a problem with my taxes is wrong. 

Third, the representative I spoke with at first wanted to explain what a XXXX was and wanted me to read the teeny-weeny-tiny print on the form. I ca n't. It 's too small for my old eyes even with my bifocals. She also mentioned something about the amount showing on my statement. I do n't know if that 's true or not -- the XXXX point maybe XXXX point print size ( teeny tiny ) on those statements requires I use a magnifying glass to read. Wells Fargo should have sent a proper notification letter, not buried this 'surprise ' in small print XXXX or XXXX point size and waited until AFTER the end of the year to dump this on me. 

Other than filing this complaint to alert the public to their ongoing sneaky practices, there is n't much that can be done about the XXXX. It 's already been sent. The IRS will expect me to pay taxes on it. 

The disclosures and teeny-tiny-fine print are another matter. They are supposed to have clear, readable type and plain language on the forms, statements, and to clearly disclose what the amounts are. They do n't. 

I should not have to ask someone else to read my statements or buy a magnifying glass because the print is deliberately too small for a person with normal vision let alone someone who has to wear custom reading glasses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing cars from XXXX XXXX XXXX XXXX XXXX for the past 29 years my most current lease expired XX/XX/2020. I wanted to get another lease through XXXX  XXXXXXXX for another XXXX, the car i wanted was not available at the south store whom I been getting leases from the past 12 years so i called the north store and a very anxious typical salesman named XXXX XXXX at XXXX XXXX XXXX XXXX  said he will get me the car and work on the deal with XXXX as he had many friends att XXXX  and my creit was not good he me t he asked me to fill out credit app even though i told him the south store had already done so but he insisted they had not gotten a credit app, this was all done over the phone i never met this man and he insisted he needed to run the credit app because the other store had not.

What he did was when XXXX  said no he went off and ran my credit 3  times with XXXX XXXX and XXXX kept on saying NO so what he did without my consent was he sent my credit app to XXXX XXXX, XXXX XXXX  and some other company XXXX plus he submitted the app 3 times to XXXX. I NEVER said i wanted to buy a car to run my credit from someone else but he was so desperate to make a sale he was trying on his own to get me anywhere without my knowledge and consent and i am very angry because my credit score dropped 16 points because of his actions. I have submitted disputes with all credit bureaus and they will not remove those inquires they say that only XXXX XXXX XXXX can remove them and that is not right i am still without a car trying to raise my score back and it has been over a month since this happened which has caused me lots of problems as i desperately need a care, i take care of my XXXX year old mom who is very ill and i can not even get a car but more than that the nerve of this salesman to go ahead and submit my credit app which was meant ONLY FOR A XXXX XXXX lease to all of those other places i was very specific when i was doing online the application NOT TO send to anyone else as I know how that goes with gritty sales people and he assured me he told me he will only send it to XXXX, obviously he did not. Please, i need these inquires unauthorized without my consent or knowledge they must remove from my credit those inquires we consumers have to deal with this and the credit bureaus take from granted anyone 's inquire without the customer knowledge i have never purchased a car i have been leasing cars for 40 years and i don't know where this man got that, he will get me approved to buy a car. please help me please. thank you