23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a permanently XXXX XXXX year old man. XXXX. I have been in and out of hospitals for 8 years, XXXX lost my house, and lived in a friend 's garage. I have survived on my $ 1800/mos XXXX ( which I am trying work my way off of ). I am trying to correct/negotiate items on my credit report. I have had good success at settling most accounts. However, Legal Recovery Offices ( LRO ) at XXXX XXXX XXXX XXXX, XXXX XXXX, CA has been unscrupulous and told me tough luck. I had originally contacted XXXX XXXX ( account number ******************* ) credit card. I contacted XXXX XXXX and spoke to XXXX at XXXX ( ext XXXX ) who advised I ask LRO to return the account to XXXX XXXX. LRO said no. They garnished my government benefit account funds. I filed a claim of exemption which was granted ( XXXX Court of California case number XXXX ). During that process XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised me that the proof of service represented to the court when the granted a judgement was returned. I was not served and had no chance to defend myself. XXXX I am trying to correct my credit, which was always high. The cruel words from LRO attorney XXXX XXXX that he " did n't care '' were shocking and inhumane. I seek the same treatment from LRO as the other creditors I 've been working with. They refuse to discuss a payment plan and, as XXXX XXXX said, expect to collect every penny of my original debt plus the near XXXX fees and interest they have added on. He hung up on me. I did n't choose to get so sick and lost everything, house, savings, etc. Please advise me how to deal with this cruel unscrupulous company. Thanks for your valuable time.
Product: Debt collection

I had been in the process of moving from my Hawaii address in XXXX. Prior to leaving I had dropped off my service equipment to the store in XXXX. The equipment was just dropped off and no paperwork was given at time of drop off. 
I moved to XXXX XXXX XXXX. The equipment was dropped off at the later part of XXXX before the month was over. 
I had done so because I had already began to pack up my personals for shippping at the same time. My personals were also sent to my XXXX address at the end of XXXX my planing to move was all in the process at the same time. 
I never received any phone calls or bills in regards to the equipment. 
Further more an email address of XXXX was given in regards to this bill I received. Spoke to the rep and advised her that was not my email. Not sure where that email came from. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Transunion have continuously violated the FCRA laws by reporting inaccurate, incomplete and unverified information on my credit report. This has resulted in adverse action against me from creditors. 

I have disputed their information since XXXX with proof and copies of my credit report with discrepancies noted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bure

au I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included.

The account details are as follows : Creditor Name : Happy Money Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued. 
3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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

I AM WRITING TO REQUEST AN ACCURATE AND CORRECTED REMOVAL TO THE FALSIFIED/INACCURATE DEBT FROM MY CREDIT REPORT REMOVED IMMEDIATELY! 

I HAVE ALREADY DISPUTED THIS ISSUE THROUGH XXXX AND IT WAS ACCURATELY CORRECTED AND REMOVED. HOWEVER, IT STILL STANDS INACCURATE AND INCORRECT ON MY CREDIT REPORT FOR EQUIFAX AS WELL AS XXXX. 

I HAVE HAD MULTIPLE IDENTITY THEFT ISSUES AND THIS WAS BY FAR THE WORST, HAVING SOMEONE ILLEGALLY OBTAIN MY PERSONAL INFORMATION AND USE IT FOR A CAR LOAN DURING THE TIME OF THE COVID OUTBREAK. 

IN ACCORDANCE WITH FRCA, SECTION 611, I AM REQUESTING ONCE MORE FOR THIS INFORMATION TO BE REVIEWED, CORRECTED AND REMOVED! IN LIEU OF SENDING THIS INFORMATION, YOU CAN REOPEN THE DISPUTE AND ENSURE A PROPER INVESTIGATION IS PERFORMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$57000.00}.
Product: Credit reporting or other personal consumer reports

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX  XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until  further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.
Product: Mortgage

Submitting proof of documentation regarding XXXX XXXX in reference to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


NO RETAILIATION OF ANY FORM WILL BE TOLERATED!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with Equifax about the unverified account : XXXX XXXX   account # s XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. I disputed the same account with XXXX credit bureau in XXXX and it was deemed unverified and XXXX removed it from my credit files in XXXX of 2020. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 
Thank you
Product: Debt collection

Kohl 's Department Store/Capone Collections Subject : Cease and Desist Unauthorized Debt Collection Activities Dear Sir/M, I am writing this letter to formally demand that you immediately cease and desist all debt activities pertaining to this account with Kohl 's Department Store/Capone Collections. It has come to my attention that you have been engaging in unauthorized and unfair practices, which amount to a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I dispute the existence and validity of the alleged debt you are attempting to collect. I have not entered into any contractual agreement with your company.

Furthermore, your collection tactics have been persistently harassing and intimidating, which is unacceptable and unlawful. I have received numerous phone calls and letters from your company, often containing false and misleading information designed to pressure me into paying a debt I do not owe. These actions are in direct violation of the FDCPA, specifically Section 806 ( 5 ), which prohibits the use of false representations or deceptive means to collect a debt.

I hereby request that you immediately adhere to the following demands : 1. Cease and desist all debt collection activities related to my account, including phone calls, letters, and any other form of communication deemed as harassment.

2. Remove any negative credit reporting associated with this alleged debt from all credit reporting agencies, within 15 calendar days of receiving this letter.

3. Provide me with written confirmation, within 10 calendar days of receiving this letter, stating that you will cease all collection activities and that you will not initiate any future contact in relation to this matter, unless it is to provide documentary evidence requested to validate the debt.

4. Retain and preserve all documentation related to my account, including call recordings and correspondence, as I may pursue legal action should my rights continue to be violated. 

Failure to comply with my demands within the specified timeframes will leave me with no choice but to pursue all available legal avenues to protect my rights and seek damages for the harassment endured. I will not hesitate to file complaints with the appropriate regulatory authorities, including but not limited to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Please be aware that a copy of this cease and desist letter will be kept on file for future reference. I advise you to forward this letter to your legal department and take immediate action to rectify this matter. Your prompt attention to this issue is expected and appreciated. 

I trust that you will comply with my demands and rectify this situation promptly. Thank you for your immediate attention to this matter. 

I don't have no knowledge of this account.
Product: Credit card

Greetings, On XX/XX/XXXX, I noticed two unauthorized transactions on my Capital One credit card account ending in XXXX. 

The amounts of the two transactions ( XXXX and XXXX ) were shown as {$430.00}. 

The transaction for XXXX was credited and removed from my balance. 

However, without providing any notice regarding the steps of their investigation, they sent me a letter stating that the transaction was indeed authorized and that someone from my household benefitted from it. 

I have video cameras in around my home and never once did they capture any deliveries being made. 

I hereby dispute Capital One 's findings from their " investigation. ''
Product: Credit card

On XX/XX/year> I received a credit card from CashApp in the mail. I did not apply for a CashApp credit card and don't believe I have a CashApp account. The card had my correct name on it and indicated that the issuing bank is XXXX XXXX. Note that this account was opened despite my having a security freeze on my XXXX, XXXX, and XXXX accounts. 
I instructed CashApp to close the account and they reported that they would do so once I confirmed my name and provided photos of the card I received, which I did.
Product: Checking or savings account

Received an email stating an bank account was opened using my information including social security number. I contacted the institution and closed the account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX a representative of XXXXXXXX XXXX XXXX XXXX wrote a damaging and false information to CFPB in his response to me regarding why XXXXXXXX XXXX XXXXXXXX XXXX is not reporting my credit history to Experian in order that it is reviewed. Experian has stated that this company needs to write a XXXX XXXX and use their E-Oscar system to reestablish the tradeline because it was purged in XXXX. It has taken months to learn why all the other credit bureau are recording my good credit history and not Experian. They have figured out the problem. Experian 's contact information is XXXX. This is the Dispute Department. They have after 8 months explained the problem and it has to be resolved by XXXX XXXX XXXXXXXX. XXXX rather than writing mean spirited letters, he needs to do his job and reflect the highest standards for XXXX XXXX XXXX. 

I have had XXXX for nearly 18 years. I thought it was a great company until I learned that my credit history was not being reported to Experian. They are reporting it accurately to XXXX and XXXX. I have complained for the past 8 months all way to a lead supervisor, XXXX XXXX who spent some time talking with me, then he dropped it, and allowed his employee XXXX to take over. This employee is XXXX and XXXX. This why I went over his head. XXXX wants to write long letters rather than take the time to investigate and resolve the issue with Experian by reestablishing a tradeline with my credit history. Somehow it was purged. Experian is waiting to hear from XXXX to reestablish this history. The employee, XXXX lied and tried to disparage me. He wrote that I have had " several '' bankruptcies. He deliberately lied and it has nothing to do with my credit report today. In the 90s I had a XXXX XXXX XXXX and XXXX XXXX protection in XXXX after a divorce and a worldwide XXXX 10 years ago. Millions lost their homes and jobs. I protected my investment. Companies protect there investments with XXXX XXXX Today my mortgage is XXXX % fixed. I am currently a good customer of XXXX. I have worked hard to earn this status. But after reading all the complaints on a XXXX site, I no longer trust XXXX XXXX XXXX for the long haul. Customer service is important and something as simple as a thorough credit reporting and resolving the issue, this should not warrant ugliness from an employee willing to lie. The Consumer Financial Protection Bureau ( CFPB ) government agency is another place to file complaints against XXXXXXXX XXXX XXXXXXXX. The public should know how to protect themselves and alert others to find a mortgage company with outstanding customer service, and not with employees who want to make personal jabs and outright lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus
have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this
Product: Mortgage

My wife and I have a VA 30 year fixed loan with Carrington Mortgage Company at a XXXX interest rate. On or bout XX/XX/2020 I spoke with an agent to discuss a VA IRRL loan for 15 or 20 years. She sent an email to start a refinance application for a 25 year mortgage, they ran our credit reports and offered us a 25 year IRRL Refinance at 2.75 percent withe credits for the various charges outside the principle. We did not want to enter a longer agreement than we owed so we asked for a XXXX or 20 year loan at XXXX withe the same terms that were initially presented to us. We were told that the payment for a 20 year mortgage would be {$20.00} more a month than our previous payment and therefore does not meet one of the stipulations of the IRRL which would be to lower your monthly payment. Because they would not offer us a 15 or 20 year refinance we stopped the application process.I feel that the reason we were denied the 15 or 20 year refinance at 2.75 with the added incentives was not offered because they wanted us to enter into a 25 or 30 year loan. We received a statement of credit denial, termination or change dated XX/XX/2020 and they had the term of the loan as 20 years which we would have accepted initially.
Product: Credit card or prepaid card

In XXXX of I was flying home from XXXX Florida to XXXX Maine with Frontier Airlines. During the flight they offered that if you opened a Frontier credit card you would get XXXXbonus miles if you used the card within 30 days with any purchase. NO Dollar amount was set, they said you could get a pack of gum. Then if you spent XXXX  in 6 months you could get XXXX  bonus points. They also said they would wave the annual fee for the first year. I opened the account and have flown with them twice since but the flights were cheap so I paid. I am ready to take another flight and was going to use my points. They show nowhere so I called Barclays they said I would have to call Frontier. I have been going back and forth with them with no resolve. I know what the issue is. 
Barclay is using acct number XXXX and frontier has an acct XXXX. I can not get them to understand that is what happened. all I want is the XXXX  miles I am owed applied to whatever account it needs to to work.
Product: Vehicle loan or lease

Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me
Product: Mortgage

In 2001 I bought said property XXXX XXXX XXXX in XXXX PA XXXX. The property taxes were not being paid properly, and the property went of the heriff sale list before I ever personally missed a payment. Countrywide Mortgage had been practicing fraudalent practices against its customers. I then lost my job and missed a few payments I tried to remedy through quick sale, but it was too late because they had already freclose my property by not paying the taxes they claimed they were escrowing. From there had to wait 7 years for the property to come off of my credit. Being sold several times XXXX XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXX and XXXX. None of which even tried to collect the debt. I believe because they all new countrywide had been doing fraudlaent practices through the mortgage crisis. I would like a refund of all fees taxes and compensation for being scam into a mortgage that was already doomed. I can be reached at XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I signed an agreement with a private party that was renting their home as a vacation rental. That party requested a deposit via PayPal to secure the booking. I sent the funds as instructed via PayPal. Something didn't sit right with me when I saw that the funds that I was sending via PayPal to a person that supposedly lived in Arizona ( next door to the rental home ) were sent to the recipient as XXXX dollars. So, I researched the home and saw that it had sold in XXXX. I confirmed with the realtor that the person who booked the reservation with me was not the owner. I then emailed the party that I sent the funds to via PayPal and immediately cancelled the agreement ( on XX/XX/XXXX ) and per the agreement was entitled to a full refund. I also filed a complaint with PayPal regarding the fraudulent transaction. The party that was fraudulently renting the home replied to me and said he had processed the refund through PayPal and requested that I not file a dispute with PayPal since he was refunding me in full that day. Since then, obviously, I have not been refunded, nor have I been able to get a hold of the man. Also, PayPal denied my dispute request ( twice ), with the following explanation : " Unfortunately, this payment was sent as a Friends and Family payment, rather than a payment for Goods or Services. Friends and Family payments are not eligible for PayPal Buyer Protection. Going forward, to protect yourself, please send payments for Goods or Services when a shipment or service is expected. Friends and Family payments are intended to send money to friends or family, with no expectation of receiving merchandise or services. PayPal is not able to enforce a refund on a Friends and Family payment. 

We have completed our investigation of your case and are denying it. After careful review, we have found the transaction was processed correctly and in accordance with the disclosures provided to you. The disclosures provided to you indicated {$1000.00} CAD would be transferred to XXXX no later than XX/XX/XXXX. According to our records, {$1000.00} CAD was delivered to XXXX on XX/XX/XXXX. Because the transaction completed correctly as disclosed, no error occurred. '' This is a significant amount of money stolen from me via PayPal and they aren't providing any assistance in recovering it or preventing this person from continuing to do so to others. Hopefully, there is some way of getting my money back and finding/stopping the person who is behind this PayPal account.