23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a credit card debt that Credit Control , LLC collected on previously and they continue to harass me with the same debt but a different account number with their organization. I wrote to them back in XXXX and explained the situation and didn't hear anything more from them until today. Again, now it is a different account number with their organization, trying to collect on the debt I finished paying on in XXXX. 

My original Credit Control account number was XXXX, the second collection letter said it was XXXX and now the third one is their  account number XXXX.
Product: Mortgage

Reporting later payment since this company ( Nationstar, then Mr. Cooper ) purchase loan to the 3 Credit Bureaus
Product: Mortgage

Good Evening, On XX/XX/XXXX, I entered into a loan modification with US Bank in order to stop foreclosure proceedings. My original loan was {$30000.00}, which was singed on XX/XX/XXXX. 

In XX/XX/XXXX, I called for a payoff and it stated that around {$78000.00} was due. 

I spoke with a representative on XX/XX/XXXX and she stated that all unpaid mortgage payments and interest that caused the loan to default are added into the fees due in the loan modification total. 

In the loan modification documents, I see that {$40000.00} was added for capitalization. 

I have sent two emails, which have remained unanswered, requesting an itemized breakdown of all fees-attorneys, back fees, capitalization, etc. 

When I signed the modification, I assumed the {$78000.00} would be the total due if I kept the loan out for 30 years. 

Is there anyway to look into this as possibly being predatory lending? 


Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of XXXX ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.
Product: Debt collection

I have sent Americollect numerous letters asking for a validation of my signature demonstrating that they have a contract with me. They continually send me letters stating this is " what I asked for '', but it's just the same as always. No proof of my signature with them. Just some random letters and then they keep sending me my medical diagnosis and tests which I have had in the past. I clearly did not ask them to send that to me nor did I give permission for anyone else to send it to them. 
They do not have a signed financial consent from me therefore, I would like this removed from my credit report.
Product: Debt collection

I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.
Product: Mortgage

This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service & unfair practices which violate the consumer financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I received a letter in the mail ( date XX/XX/2021 ) from XXXX XXXX XXXX XXXX ( XXXX ), saying that I owed a debt to PayPal and they are collecting on that debt. 

I do not owe any money to PayPal. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching XXXX a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, report number ending in XXXX as of today, XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( " FCRA '' ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts : XXXX XXXX ; Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX, Account XXXX, and both XXXX XXXX XXXX, XXXX XXXX with balance showing {$4400.00} and the other balance showing {$0.00}, are not complete and are not accurate. I filed a previous complaint to reinvestigate these inaccuracies and incompleteness on XX/XX/year>, however upon receiving the reinvestigation results, nothing was correctly modified or updated. Per the Internal Revenue Service ( " IRS '' ), Charge-off accounts are not to be reported on any consumer reports, as they are tax credits to the furnisher once charged-off and are deemed taxable income. I demanded a thorough and transparent description of the reinvestigation and XXXX did not provide it to me which is a violation of 15 USC 1681 ( i ) ( 7 ) and 15 USC 1681 ( i ) ( 5 ). Furthermore, any late payment ( s ) being reported must be correctly updated to paid ; on-time. The inaccurate and incomplete reporting of any late payment ( s ) is a violation of 15 USC 1666b and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I demand immediate corrective action regarding this grave matter of concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a company, and now a victim of the recent hack, has claimed that I am affected by the recent data breach. While I feel they are handling this fairly well, I do feel violated that a company I do n't even know, nor previously came into contact with is reporting that they have breached my credit card information. Please pursue this, as I 'm sure this violates my privacy and unlawfully uses my credit information for business profits.
Product: Debt collection

Refused to remove inaccurate information from my credit reports. 
Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt.
Product: Debt collection

The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA. 

The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the XXXX XXXXXXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State. 

He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX  : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account Discover : # XXXX Account XXXX and XXXX : # XXXX Account XXXX XXXX XXXX : # XXXX Also the inquiries listed below were not authorized : XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights.

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. 

I appreciate you dealing with this situation,
Product: Credit card

I signed up for the bread rewards American express credit card based on the {$200.00} offer. if I spend {$1000.00} in 90 days I would get {$200.00} cash back reward. I signed up on XX/XX/XXXX of XXXX. I spent {$1000.00} by XXXX of XXXX  I paid off my credit card in full and have been waiting for my reward of {$200.00} ever since. I contacted them at least 3 times since completion and they keep giving me a different payout date estimate. I just want what I was offered at sign up. I forfilled my end its time for them to fill their end. They have the worst customer service ive ever experienced. On of the agent even tried to say I didn't meet requirements. I then proved I did and he told me I'd get it next billing period that was over a month ago. I dread tried to contact them because their phone service will hang up on you constantly forcing you to keep calling back and going through their automated nightmare of a set up. On top of all that most of their agents have such deep accents I don't understand them most of the time and they seem not to really understand my issue when I call them.
Product: Consumer Loan

The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.
Product: Credit reporting

I have recently been informed that there is negative information reported by XXXX, XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Past Due 150 Days account closed. I am unaware of Past Due 150 Days Closed with this company. I contacted this company via certified mail asking for validation of the debt without a response over 45 days. 
Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Payday loan, title loan, or personal loan

I received a call from a lady who claimed to be a representative with Ace Cash Express. She asked me for my social security number over the phone to pull up my account. I do not have an account with Ace Cash Express. And I believe this caller was attempting to steal my identity and SSN. She may have done this with other innocent people. The phone number is ( XXXX ) XXXX. The lady said her name was XXXX. I received the call at XXXX XXXX on XX/XX/2021. She left a message on my phone, which I will attempt to upload.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXXThis 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$1700.00}. 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 XXXX  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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.