23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )
Product: Credit reporting or other personal consumer reports

Yesterday, I pulled my 3 bureau credit report and discovered that I was a victim of ID Theft. I just obtained my ID Theft Police Report from my local police department. 
Below are the fraudulent collection accounts that I am disputing to XXXX permanently deleted from my 3 bureau credit report : 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

XXXX XXXX retained an XXXX XXXX with my identity. Acima helped to allow this and are now uncooperative in getting this resolved. They refuse to remove this fraudulent account from ALL of my credit reports. Even though I have an email from them stating that it is indeed fraudulent. Meanwhile it appears as though I have a {$5000.00} charge off lease with Acima on my credit report. I am now experiencing hardship attempting to obtain an allotment loan, my bank account has been flagged as high risk via clarity a division of XXXX and NOBODY wants to work with me or help me when I am screaming that I have been hacked and my identity tarnished. Acima has also made the process of even attempting to make payments on MY Acima loan impossible, as they have other bank accounts tied into my personal profile and identity. I believe this all lies in the hands of Acima. They need to right their wrongs.
Product: Debt collection

They keep calling me, made phone contact at least XXXX times. they said the wrong persons name to me both agreed it was not me.They said the calls would stop. They did not I have blocked there number XXXX times they change the number and keep calling even changing their name!
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that the credit bureaus delete and block the following fraudulent information from my credit report Account name XXXX  XXXX reference # XXXX XX/XX/XXXX XXXX  XXXX reference # XXXX. XX/XX/XXXX I wrote multiple laters and sent proof of XXXX police reports and they have yet to resolve my issue
Product: Checking or savings account

Back in XX/XX/2018 I entered demographic information to an online chase bank that was never responded to. I never received an account number, savings account number or debit card. So, because their were no chase branches in XXXX  I went to XXXX  to visit a branch unfortunately it wasn't accessible to pedestrians. I then saw the same offer I went to a branch opened an account when it was time for the XXXX  promotional offer if a new chase customer you get XXXX  for opening a checking and XXXX  for opening a savings account. when it was time to pay they said I had an account already the promotion is only for new chase customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Checking or savings account

Chase refused to investigate fraud and refused to properly credit or protect my account while I was in the XXXX 

I reported fraud immediately after getting out of the XXXX 

The person who took my fraud report included transactions I never agreed too.
Product: Mortgage

Item XXXX : The most recent payment history that I received from Ocwen on XXXX/XXXX/2015 shows significant variances in the principle balance over a very short period of time. Example of the variances are as XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX Principal balance $ XXXX $ XXXX XXXX : Escrow balances on the payment history shows significant balance variances all shown on XXXX/XXXX/2015 of the report. The balance varies from a high balance of {$3600.00} to a low balance of {$560.00} all in XXXX day. The variance is {$3000.00}. Payments in the amount of {$1800.00} were made out of escrow for property taxes and home owners insurance payments. 
A reasonable person examining the payment history that Ocwen provided would not be able to determine whether the account balances on the mortgage are correct. 
The payment history provided by Ocwen reveals numerous accounting irregularities suspense adjustments, account balance reversals and variances that are not standard accounting practices or simple clerical errors and may constitute violations of both RESPA, CFPB rules and laws, or fraud. To date I have been unable to obtain satisfactory responses to my Ocwen complaints from the Ombudsman, Relationship Manager, or any entity within Ocwen.
Product: Checking or savings account

I supposably got approved for PNC banking but when I want to log in it says it don't recognizes my info so I don't know what to do all my information is there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card charge-off on my Experian Credit Report was suppose to be removed according to their Credit Report in XX/XX/2023, now they have removed the On Record Until Date with no explanation ( see attached pdfs with highlighted information ). I tried to dispute this item and they will not let me online anymore, which is a violation of the FCRA. I tried calling and got disconnected 3 times. This account should be deleted immediately as per their own Credit Reporting. This item is affecting my ability to get a mortgage and is also a defamation of my character at the moment as they have provided no reason why this is still showing on my report and if it continues to appear I want to excerise my rights under FCRA 61 l ( a ) ( 6 ) ( B ( iii ) for a complete Method of Verification as to why this is still on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the entire JPMCB CARD account listed under account number XXXX. After reviewing my credit report, I have identified several serious discrepancies that I believe require the immediate removal of this account from my credit report. 

I demand the removal of this account in its entirety due to the following reasons, and I request the corresponding XXXX dispute codes be applied : Inaccurate Charge-Off Reporting : The account has been reported as charged off with a balance of {$12000.00} as of XX/XX/year>. This is inconsistent with the payment history on my account, including a last payment made in XX/XX/year>. 
XXXX Dispute Code : XXXX ( Account Status - Not Reported Correctly ) According to 15 U.S. Code 1681e, credit reporting agencies are required to ensure that all information reported is accurate. Given the discrepancies in the charge-off and payment history, I request this account be completely removed from my report. 
Incorrect Balance and Credit Limit : The account balance of {$12000.00} exceeds the reported credit limit of {$10000.00}, which is a clear error. 
XXXX  Dispute Code : XXXX ( Balance Discrepancy ) As per 15 U.S. Code 1681c, any inaccurate information regarding balance and credit limit must be corrected. Since this account is reporting inaccurately, I request the removal of the account entirely from my report. 
Failure to Disclose Investigative Consumer Report : If an investigative consumer report was used to obtain personal or character information for this account, 15 U.S. Code 1681d requires that I be informed of the nature and scope of such a report. No such disclosure has been made, and I am requesting an immediate investigation and verification. If this disclosure can not be provided, I demand the removal of the entire account. 
XXXX  Dispute Code : XXXX ( Failure to Provide Adequate Information for Investigation ) Violation of Dispute and Reporting Procedures : Under 15 U.S. Code 1681i, I have the right to dispute any inaccurate information on my credit report, and the credit reporting agency is required to investigate and correct any errors. Given that the information in this account is incorrect and unverifiable, I request the immediate removal of the account in its entirety. 
XXXX Dispute Code : XXXX ( Inaccurate Information ) I am formally requesting that this account be removed from my credit report as it contains multiple inaccuracies and is not in compliance with the Fair Credit Reporting Act. Please apply the appropriate XXXX codes in your investigation and provide written confirmation of the removal of this account from my credit report. Additionally, please send me a copy of my updated credit report once the removal is processed. 

Thank you for your immediate attention to this matter. I expect this issue to be resolved promptly and in compliance with the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specially, 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 finical loss, and I seek appropriate redress for these violations.
Product: Debt collection

It has come to my attention that this debt collector has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree on and I also didnt sign an agreement on. It is known that a legal contract is signed by two parties and I did not participate in any of it. Furthermore, they didnt follow the XXXX step validation procedure which makes this unfair practices. Now according to the FDCPA I am entitled to XXXX XXXX  per violation and they have clearly violated my rights.
Product: Credit card

This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed numerous errors ( XXXX Inquiries ) found on my credit report. These unauthorized Inquiries are causing hardship and actual damages violating section 1681b for permissible purpose and 1681c for information contained in consumer reports. TransUnion, XXXX, and XXXX has violated compliance procedures under 15 U.S. Code 1681e & Privacy Act of 1974 ( 5 U.S. Code 552a ). 
You TransUnion, XXXX, and XXXX have thirty days ( 30 ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In addition, urgently produce and deliver a contract between you TransUnion, XXXX, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
Product: Credit card

PayPal Credit consistently credits returns to non-related transactions. This results 100 % of the time in a decrease in balances in purchases with promotional periods expiring later instead of a decrease in the correct balance of the promotional period expiring earlier.

As a result, PayPal credit is not honoring the terms of the transaction of the non-related purchase. 

In example : Purchase XXXX for {$250.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Purchase XXXX for {$300.00} from Company XXXX made XXXX with a XXXX interest promo expiration of XX/XX/XXXX Item returned to Company XXXX for {$75.00} credit, credit processed XXXX. PayPal credit processes the credit against the {$300.00} purchase from Company XXXX with the promo period expiring XX/XX/XXXX. 

I have spent hours on the phone with PayPal and this happens repeatedly. There is no mechanism to correct the issue and it continues to happen, with every error in PayPal 's favor as it shorts the customer by affecting an unrelated transaction and thereby not honoring the full 6 months interest free for that specific purchase.
Product: Debt collection

Charge from XXXX XXXX XXXX in XXXX Texas in 2018. Bill of {$110.00} was paid online directly to them XX/XX/2018. They acknowledge receiving the money, but turned it over to Merchants and Professional Collection Bureau Inc for the same amount and date of service. 

We provided proof of payment to MPCB Inc., they contacted XXXX XXXX XXXX who again acknowledged receipt of funds, but continue to maintain that the bill is outstanding. MPCB refuses to correct the information in our account and continues to report it as outstanding to the credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX, we paid {$3200.00} for an outboard motor which we never received. We tried calling merchant, but he never answered our calls. On XX/XX/XXXX, we filed a fraud dispute and was advised to cancel that card and get a new card. Which we did. 
Our dispute was denied in XXXX. I called to see why. They said I had to file a billing dispute. So, during that phone call, I filed a billing dispute. 
We hadnt heard anything from the credit card company, so I called to inquire. Apparently the dispute I filed on the phone in XXXX was never recorded. I was told to do it again, as I did on that phone call. 
On XX/XX/XXXX, I called again and was told to fax in the receipt and explain the situation again. So, I faxed them all the info on XX/XX/XXXX. 
I called every week after I had sent the fax, and was told its in progress. 
Today, XX/XX/XXXX, I called and found out it was denied again because the time frame ran out. I have done my due diligence following through on this claim. I have made it a point to call consistently. {$3200.00} is a lot of money. We use our credit cards with the understanding that they are there to protect the consumer from things like this. It was the credit card company that let the time frame run out.
Product: Debt collection

Jefferson Capital reported an account ( ref number XXXX ) in collections from XXXX XXXX. 

XXXX XXXX was removed as a fraudulent account taken out by XXXX XXXX on XX/XX/2022. I sent this information to Jefferson Capital and they have not removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not the original credit card company I do not know this company and have not had an agreement with them.