23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed XXXX points dropped from credit score and noticed a collection debt. I reaches out to my bank and informed about my credit score and the credit agency that does my credit report with my bank. I was advised to dispute it. XX/XX/XXXX I filed a dispute in regards to the collection debt. I contacted the collection debts early XXXX morning and the agent was disrespectful and kept hassling to make a settlement. I informed the agent I don't acknowledge the debt or bill date date of service on XXXX the agent told me my credit score will keep dropping along as the debt is still there and I should pay the settlement that same day of communication. I then received a call from the collection debtors XX/XX/XXXX after the debt again. And I requested the original creditor information regarding the bill/debt. Once again I informed the agent that I don't acknowledge the bill never received a mail of a bill in XXXX. Informed the again the mailing address is not mines. Last name was not mines. I informed the agent that I put in dispute foe this collection debt. I then asked for the original creditor phone number. I then called the original creditor and was informed there's no records with my name and that don't know who the collection debt were. The collection company I gave to the original creditor couldn't find the collection debtors in there system. I was informed to call the collection debts back and I explained to the original creditor that there hassling me to pay this debt today XX/XX/XXXX. So I was informed that I will be contacted back by the original creditor asap so they could look into the debt or get more information. But there was nothing with my name about debt from XXXX. Once again I don't acknowledge the bill or debt and the information on the letter sent from collection debt through email has inaccurate information with name and address ... {$1000.00} is the collection debt...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and XXXX ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Product: Credit reporting or other personal consumer reports

I opened my first credit card in XX/XX/XXXX and my last one in XX/XX/XXXX none of my Nine ( 9 ) accounts is appearing on my XXXX an XXXX report. When I call them they say my lenders or creditors are the ones not reporting to them but when I contact those lenders and creditors they confirm that they report to all 3 agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to a XXXX walk-in location and informed them that my account had an equipment charge in the amount of {$120.00} and that I wanted it removed because they came to the house and picked up the equipment when the service ended. The agent advised me there wasnt a charge for {$120.00} on the bill and that the bill was incorrect and refused to remove it. On XX/XX/XXXX my credit monitoring app also notified me that my balance was increased {$1.00} from {$500.00} to {$500.00} and this caused my XXXX credit score to drop XXXX points. This is incorrect.
Product: Credit card

XXXX I called to find out why my payment has not been applied to my account. It was paid on the XXXX ( due date ) and it is now the XXXX and still not applied. I was charged {$30.00} for late fee. It was paid on time. I was told I would not be refunded and payment shows up as late. This company is unlike other similar companies and it is theft. The reviews online show that this is common practice. The lady I talked to was double talk and trying to pacify me. Consumer should not have to jump through hurdles to improve credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue of incorrect information reported and to request verification of dates of payment of debts associated with this accounts that have been opened in my name. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request verification of the debts that are being attributed to me. In accordance with the law, please provide the following information for each account that is being reported : 1. Account Name : The name under which the account has been opened. 2. Date of Application : The date when the application for this account was submitted. 3. Personal Information Used : A detailed account of the personal information that was used to open these accounts, including my name, address, Social Security number, and any other identifying information. 4. Verification of Debt : Documentation that verifies the existence of the debt, including the original creditors name and contact information. 5. Date of First Delinquency : The date of the first delinquency related to the account, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1692 ). This account is being incorrectly reported as the date of first delinquency is XX/XX/year> as shown in the attached credit report and email sent from credit as of revolving account and not a collection and causing monthly delinquency. This is fraud I take this matter very seriously, as identity theft can have profound impacts on my financial health and credit standing. Please respond to this request within the legally required timeframe. While this information is being verified this must be removed from my credit report. This information may not be added back because the account is fraud Failure to provide the requested information should result in the removal of the fraudulent accounts from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service XXXX IRS ) XXXX is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this XXXX indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including XXXX indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. XXXX, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this XXXX indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, Experian, XXXX are in violation of the FCRA. 

Furthermore, the inclusion of this XXXX indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-XXXX it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a XXXX party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2XXXX Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was awarded reward points in the amount of {$220.00} on XX/XX/year> ; however, Chase sent the funds to a checking account that I do not own. They sent my rewards points to someone else. Chase sent to an account ending in XXXX and I do not have an account that ends in XXXX. My Chase checking account is XXXX. The reward order # is XXXX.
Product: Credit card

I disputed this charge ( {$840.00} on XX/XX/2023 ) because I have not received goods from XXXX seller. The seller scammed me by committing mail fraud and sending me an empty envelope with me having to sign for it. I reported the incident to law enforcement agencies : police, IC3 and XXXX postal inspector. I attached the copies of these reports to Amex along with my appeal letter. Later I got a strange boilerplate response from Amex saying that they " can't investigate further ''. I was a victim of deliberate fraud and they can't do anything? Isn't this one of the main purposes of credit cards, to protect me from fraud and they're saying I'm expected to just give up my money to a fraudster? I'm hoping to bring more attention to my case to prompt a review from a high-level dispute specialist instead of a time-pressured clerk who glances through cases and rubberstamps any response from the merchant as " valid ''.
Product: Credit card or prepaid card

Without my knowledge and without my permission, XXXX XXXX conducted a credit check on me. Based on that inquiry, XXXX XXXX closed both of my XXXX XXXX XXXX XXXX XXXX. Again, they never notified me of either the credit check or of the closer of the accounts. They only posted a letter accessible only by logging into those accounts online.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts that need to be blocked and deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2020, HSBC Bank USA, NA closed a savings account I have had with them for over 10 years. I did not receive any advance warning stating my account would be closed due to inactivity. Rather than send me the funds from the savings account, they have listed them as abandoned. I regularly sent back account verification forms that I received from HSBC. The Texas Comptroller has also investigated and stated that they do not have my funds. I would like HSBC to send the funds from my savings account to me. They are not abandoned, and they made no attempt to verify whether this was true or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX  and XXXX  as well as JPMCB Home lending as well as JP Morgan Chase Bank, NA and also XXXX XXXX XXXX XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also  credit bureaus both XXXX  and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.
Product: Credit card or prepaid card

I purchased a XXXX prepaid debit card at XXXX on XX/XX/22. 
I had {$500.00} uploaded on the card and I was told by the XXXX employee to call and activate the card. 
Upon my attempt to activate the XXXX prepaid debit card in which I now had {$500.00} on I was told that the card could not be activated and that it was a Netspend prepaid debit card. 
Nothing on the card, the inside or outside contents of the XXXX prepaid debit card indicated that it was associated with Netspend. 
I surely wouldn't have purchased it if it had. 
I was not given a reason why. I was told that I could not get an immediate return of my monies and that they would send me a check for {$500.00} in 10 business days. 
Netspend is using defective credit practices to sell these prepaid debit cards. 
They are not disclosing on the cards inside or outside that they are Netspend. 
They are doing the same thing they were doing when the FTC sued them and won {$930000.00} lawsuit. 
Yes, I did my due diligence. 
This company is a fraud! 
I have lost ti.e and money. I was to pay a state licensing to continue operating my company now I can't pay the fee because they have my money and refuse to immediately return it to my bank account.
Product: Credit reporting or other personal consumer reports

XXXX ran the correct report on XXXX. The account was removed following your fraudulent Statement stating account met FCRA STANDARS. This was never true and if account dispute would have been ran with evidence account would have been removed properly.
Product: Vehicle loan or lease

I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found XXXX accounts opened by my ex girlfriend co worker and I have filed a FTC report on her finally. But i do fear retribution from her and her friend so I am not pressing charges but this has been going in for 2 years and has caused me alot of grief. I tried to dispute this in the past but am coming forward to put this to a close
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry from my credit report, as the company involved has failed to verify the information within the required 30-day period.

I submitted a dispute regarding the late payment entry on [ insert date of dispute ], and according to the Fair Credit Reporting Act ( FCRA ), the company was required to investigate and respond within 30 days. As of today, [ insert date ], they have not responded, nor have they provided any verification or documentation to support the accuracy of the information reported.

Under Section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency or a creditor must investigate the disputed information within 30 days of receiving a dispute. Failure to respond within the statutory period means that the disputed information must be corrected or removed from the credit report.

Specifically, I am requesting that the reported late payment be removed from my credit report, as the company has not fulfilled its obligation to verify or substantiate the accuracy of the information.

The relevant laws supporting my request are : Fair Credit Reporting Act ( FCRA ) Section 1681i ( a ) ( 1 ) ( A ) - This section mandates that a consumer reporting agency or information provider must conduct an investigation into disputed information within 30 days.

Fair Credit Reporting Act ( FCRA ) Section 1681i ( a ) ( 5 ) ( A )- If the company does not verify the information, the consumer reporting agency is required to delete the information from the credit report.

I respectfully request that the CFPB assist me in ensuring that this dispute is properly addressed and that the inaccurate information is removed from my credit file in accordance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Mortgage

On XX/XX/2022, " Borrower '' called and spoke with " Shellpoint CSR, '' XXXX XXXX, requesting the two payments sent on XX/XX/2022, and XX/XX/2022, be used for the May 2022 monthly payment. In addition, " Borrower '' also requested the payment of the {$210.00} Late Charge Payment and the {$20.00} NSF Fee Payment be reversed to allow for the {$880.00} funds to be used for paying the May 2022 monthly payments. 

" Shellpoint XXXX, '' XXXX XXXX begrudgingly made " Borrower '' request with an apparent deep sigh. 

" Shellpoint XXXX, XXXX XXXX then questioned " Borrower '' on when payments will be made on the {$210.00} Late Charge and {$20.00} NSF Fee, rather than apologizing for the misunderstanding. " Shellpoint XXXX, XXXX XXXX informed " Borrower '' that the same situation will occur every month until the fees are paid. " Borrower '' stated the payments would be made when " Borrower '' is ready to make the payments. 

" Borrower '' proceeded to ask " Shellpoint XXXX, '' XXXX XXXX, to provide payment dates for XX/XX/2022, XX/XX/2022, XX/XX/2022, and April 2022 monthly payments. " Shellpoint XXXX, '' XXXX XXXX then asked " Borrower '' if he had access to the online portal. " Shellpoint XXXX, XXXX XXXX began directing " Borrower '' to the online portal to use while " Shellpoint XXXX, '' XXXX XXXX verified the information over the phone together. " Borrower '' proceeded over to the computer to go online before communicating to " Shellpoint XXXX, '' XXXX XXXX that he had already verified the information online and filed a " CFPB '' complaint requesting the " CRAs '' reporting to be updated on the 2022 payments in question. 

" Shellpoint XXXX, '' XXXX XXXX seemed a little miffed at this information. Shellpoint XXXX XXXX XXXX refused to provide the information " Borrower '' was requesting on 2022 monthly payments because " Shellpoint '' had responded to the " CFPB '' complaint. Unfortunately, however, the " CFPB '' website is down, and " Borrower '' has not been able to access " Shellpoint 's '' XX/XX/2022 response. 

" Borrower '' thanked " Shellpoint XXXX, '' XXXX XXXX for his interest in the details behind " Borrowers '' request before informing Shellpoint XXXX, XXXX XXXX that besides Shellpoint XXXX, XXXX XXXX personal opinions, " Shellpoint '' is required by law to provide " Borrower '' information on " Account '' promptly and correctly when requested. 

" Shellpoint XXXX, '' XXXX XXXX went into a tirade about legalities, attempting to prove his understanding of the law over the " Borrowers. '' " Shellpoint XXXX, '' XXXX XXXX stated in the middle of his tirade that this ( Shellpoint Customer Service phone line ) is not the place for " Shellpoint '' to be doing research and providing verbal confirmation about " Account '' information to customers. 

" Borrower '' shouted at " Shellpoint XXXX, '' XXXX XXXX to get him to stop his tirade. " Shellpoint XXXX, '' XXXX XXXX continued with his tirade as " Borrower '' listened. When finished, " Borrower '' kindly thanked " Shellpoint XXXX, '' XXXX XXXX for providing " Borrower '' with all the information " Borrower '' needed before hanging up the phone.
Product: Debt collection

I called company to dispute the debt as it is my right under FDCPA, and agent from the company refused to accomodate my request. They claimed I owed the State of IL because of late taxes, but they refused to provide me with a verification of debt. I believe this company violated one of my rights under the FDCPA