23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original lender XXXX XXXX- XXXX XXXX had closed the account on XX/XX/XXXX. Then sometime around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, on XX/XX/XXXX XXXX posted Account was 30 days past due then on XX/XX/XXXX he put the account in collections which posted a derogatory comment on my credit report. Ive stated multiple times I never had any contract or binding document with XXXX XXXX XXXX. I have no recollection of this account. XXXX XXXX continues to add derogatory events to my credit report violating The Fair Credit Reporting Act. The US Federal Government Legislation enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. FCRA provides protection against the misuse and misreporting of an individuals credit information. XXXX XXXX XXXX has made false reports against my credit report causing serious damage to my credit portfolio.
Product: Debt collection

Starting in XXXX I had TrueAccord start calling me about unpaid debt for XXXX and Friday XXXX I told them I had no unpaid debt. I went online to run credit on XXXX, XXXX, and XXXX and saw that this was collections for XXXX. The 3 collections included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$390.00} and XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$870.00}. These were all companies that I have no recognition of or what the unpaid bills were for. When I logged onto the credit agencies, I also noticed that for previous addresses listed there were 4 TX addresses that I have NEVER lived at or no anyone who does live at these addresses. I filed disputes with XXXX, XXXX, and XXXX that my identity was stolen, and these are fraudulent charges that I do not owe. On Monday XX/XX/XXXX I filed a Police report for identity theft with the XXXX Police Department - Report # is XXXX. XXXX XXXX XXXX XXXX ) sent me a link to attach all screen shots from the 3 credit agencies showing the fraudulent collections as well as the TX addresses . On Tuesday XX/XX/XXXX I contacted TrueAccord ( spoke with XXXX ID # XXXX ) and notified them that the debt they were trying to collect from me was fraudulent and they started a dispute, again for identity theft - # XXXX.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts ; XXXXXXXX XXXX XXXX XXXX US DEPT ED 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like these account remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES XXXX ( Bank ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting

I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated
Product: Student loan

I filed a previous complaint ( XXXX ). Mohela is still refusing to process this forgiveness or respond to inquiries in a substantive way. Mohela responded to CFPB acknowledging my forgiveness, but still has not executed the forgiveness. They continue to be non-responsive or provide non-substantive responses. I do not believe they have any intention of processing this forgiveness.
Product: Mortgage

HSBC is refusing to accept Qualified Written Requests ( " QWR '' ) under Section 6 of RESPA. 

HSBC sent me a notice that it had transferred the administration of my loan to XXXX, and that any QWR was to be mailed to an address of XXXX. A copy of the notice is attached. 

I wrote HSBC a QWR in XXXX XXXX. I mailed it and faxed it. I also filed a complaint with the CFPB. My XXXX tax payments were in arrears, although I had paid for them through my escrow account. 

I received a letter back from HSBC in XXXX XXXX, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( XXXX XXXX XXXX ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my issues from CFPB, but said they would " not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached. 

I sent HSBC another QWR in XXXX XXXX, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the XXXX XXXX XXXX address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached. 

Yet, I received a response letter from HSBC in XXXX XXXX, AGAIN stating that they had not gotten it at the proper address and that they would therefore " not consider it to be a QWR as defined in Section XXXX of RESPA. '' A copy of HSBC 's letter is attached. 

I want to know that my letters from XXXX XXXX and XXXX XXXX are each QWR 's. I want confirmation that the XXXX XXXX letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status. 

Thank you.
Product: Credit card

I am filing a complaint against Capital One regarding their handling of disputed charges with a merchant in XXXX. Despite clear evidence of merchant misconduct, Capital One inconsistently resolved XXXX linked cases, approving XXXX claim while unfairly denying the other. 

Details of the Issue : In XX/XX/year>, I purchased several custom suits from a tailor in XXXX. 
While I had in-store fittings, the final products were delivered to my hotel before departure. Upon returning home, I discovered significant craftsmanship issues. 
The merchant initially agreed to accept the items back for repair, remake, or refund. However, after I returned the items, they stopped responding. 
I filed a dispute with Capital One, which prompted a response from the merchant. Instead of honoring their prior commitment, they refused to cooperate further. 

Dispute Outcomes : Case # XXXX ( {$350.00} ) Ruled in my favor after appeal. 
Case # XXXX ( {$530.00} ) Denied, despite being part of the same issue. 

Concerns with Capital Ones Handling : 1. Inconsistent Decisions Capital One ruled in my favor on one case while denying the other, even though both involved the same transaction and circumstances.

2. Lack of Proper Review My initial dispute was closed without an opportunity to submit key evidence
. The decision appeared to be based solely on the merchants response.

3. Failure to Honor Internal Escalation A supervisor acknowledged the inconsistency in the two rulings and escalated the case for review. However, I received no update, and my follow-up inquiry was met with a generic response that the original decision stands. 

Unfair Outcome : The merchant has possession of the returned suits. 
I no longer have the products I paid for. 
The merchant still retains my money. 

This is an unreasonable and unjust resolution. I have been left without both the goods and the funds, while the merchant has been allowed to act in bad faith. 

Requested Resolution : A reassessment of XXXX # XXXX, as the denial contradicts the ruling on the related case. 

I request that the CFPB intervene to ensure a fair resolution and prevent other consumers from facing similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Capital One Amount : SHard Inquiry Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to any of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving multiple, harassing phone calls from a company called XXXX regarding a scheduled service date. I have not received any documentation from this company and I do not recognize this company nor have I signed for any loans with a company named XXXX I have received multiple voicemails on my cell phone and they are also calling me at work and I can not receive these types of calls not do I want to receive these calls at my job. Someone name XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX are calling me multiple times per day. Sometimes leaving a voicemail and sometimes not. They left a file number of XXXX but I have not received any type of written notice of debt or any type of correspondence from them but it sounds like they are attempting to sue me based on the threatening tone of the voicemails I have saved. They keep saying on my voicemail they need to deliver a notice of intent but I have no idea of who this company is. They left a number of XXXX. My cell voicemail does not identify me and this is in violation of the FDCPA and the XXXX.
Product: Credit card or prepaid card

Used my credit card issued by Chase at a XXXX on XX/XX/XXXX and several hours after that I started getting notice of international charges being put on my account. 
I am trying to contact Chase but they do not answer their telephone number. I have waited for someone at Chase fraud department for over 45 minutes only to be cutoff. My current call which is my fifth attempt has been on hold for 45 minutes. 
I have put a block on this particular card but wanted to be sure that Chase does not pay the current pending charges on my account. 
The card has also been put on XXXX XXXX  without my consent.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 

Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed XXXX : {$100.00} Amount to be rebilled : {$100.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me. 

This mishandling of funds has persisted for XXXX months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre- approvals on Credit Karma , at first I didn't pay it no attention, but Credit Karma kept sending me all sorts of different pre approvals telling me that I was pre approve for credit cards, personal loans and that I can refinance my car. Every day I would see these offers every time I logged in to check my credit scores. So after a few months of being told that I was pre approved I thought I was in the perfect place to apply. I got so many offers through Credit Karma that I start to telling my entire family about vacations and investments we where going to use these pre approvals for .So I finally applied on or around sometime in XXXX and I got denied of XXXX credit cards and a personal loan, I was very distraught and very very angry and I felt deceived. I was market for months Credit Karma was telling me that I was pre approved, Credit Karma told me that I was approved this was a lie. I was severely stressed out I was XXXX  for weeks, I had XXXX so bad that I XXXX for months, my XXXX  went from XXXX XXXX XXXX Now every time I see pre approval I immediately close my phone and shut my computer off, this has made me so uneasy and XXXX  that I haven't check my credit as frequently as I should.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED, THROUGH AN PREVIOUS EMPLOYER AND XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I am not liable for this debt with XXXX I do not have a contract with Caine & Weiner, they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Debt collection

This Auto loan was actually taken out with Steward Financial Services in XXXX and payments have NEVER been late until the  COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on Steward Financial website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to Steward Financial through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported Steward Financial to XXXX XXXX XXXX  for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for  collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with Steward Financial Services and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why Steward Financial is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XX/XX/XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XX/XX/XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$16000.00}
Product: Debt collection

Hello, To whom it may concern OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX This notice is a Validation of a Debt Request ; Pursuant to 15 USC 1692gb. Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Please be advised that I hereby dispute the validity of the alleged debts listed below in their entirety. 
OMEGA RMS , llc alleged debt for {$2800.00} OMEGA RMS , llc XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX, I am unaware of the alleged debt, I didnt have an opportunity to dispute the information / alleged debts. I did not receive proper notification ; if in fact you believe you furnished me with appropriate notification then please send me a copy of the certified receipts with my signature on it and also provide a copy of a contract or agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 an 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.
Product: Credit card or prepaid card

This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately. Along with age of the account for removal. Ive reached out to the company and was informed it has closed permanently