23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2025 I noticed that there was a debt collection on my credit report. Jefferson capital system in the amount of XXXX. The debt collection said I had a recent account with XXXX. This is incorrect. They could not provide me with details nor verify my social. When I called there was no record of my info but yet it was placed on my credit report. This is not my debt. My credit report was part of a data breach so I am not sure if this is a part of it or what.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX  on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Product: Vehicle loan or lease

Hello, I've been calling the bank for 5 months trying to help me and they don't give a solution. My car was in collection in XXXX but I managed to take it out and pay it. My debt is the day but I haven't been able to renew my registration since then. When I call, they leave me waiting for hours and they treat me badly. I need you to help me. I can't leave my car. I spend money in the month It's not fair that they tell me that they don't have staff to solve my problem and they just tell me to call every week.
Product: Credit reporting or other personal consumer reports

I have attempted to contact Experian to unfreeze my account but my account information and log in is incorrect and I need help resetting my account. It's impossible to speak with a customer service agent. The number they provide on their website does not give the option of connecting you anyone. Getting in touch with customer support shouldn't be this difficult. I have been on hold for XXXX minutes after I found a different number to call on a forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.
Product: Checking or savings account

XXXX - my bank card and bank account were hacked. A XXXX  account was set up using my information and my bank card XXXX XXXX purchases were made through XXXX  totally {$1000.00}. 
I spoke to XXXX 2 times via phone and sent email to the complaint department. I have asked them to remove the account and remove my personal information from their system. They are telling me they can't because there is history there and pending charges. This is a fraudulent account that should be closed immediately to protect thieves from stealing more of my funds. XXXX should be more concerned about this but they are not. Send an email, call the complaint dept. All of which I have done with no resolution. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file : XXXX XXXX XXXX XXXX
Product: Mortgage

Back in XX/XX/XXXXI applied for a modification with wells fargo home mortgage Loan # XXXX balance on the loan was {$78000.00} i was not behind on my payments after wells fargo modified, my mortgage they also applied a 2nd # XXXX XXXX lien on my loan through HUD/XX/XX/XXXX in the amount of {$23000.00} using a XXXXXX/XX/XXXX to collect this debt. I was unaware of this until recently I had to sale my home do to unforseen hardship do to Covid 19 this debt brought on more hardship after finding out that wells fargo had done this to my mortgage causing me to pay double on my home I also happen to know they had done this to lots of families this is inmoral and show lack of protection to citizens. Wells Fargo should be held accountable to Exhibit integrity and humility I'm ask for assistance with a balance forgiveness also release of lien on my porperty, Thank you for your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX
Product: Debt collection

During the year of 2014 I had a home owned by Ocwen Mortgage Services and who was also the home mortgage provider. But things began to go downhill, I could no longer afford to live in the home so I placed a request for a deed lieu and it was accepted. So I payed my last mortgage and was informed that I has been fully alliviated of my debt and it had been removed off my credit record. But I have recently yet to find out that the home is still on my credit records and is holding me back, I ca n't complete any finacial doings such as : loan consolidation, buying a vehicle or home, etc.
Product: Credit card or prepaid card

I had a Rewards Cash check canceled. It was never cashed. A check in the sum of {$550.00} was to be reinsured as a check and mailed to my residence. First contact with Citi was in XX/XX/2019. I have been in contact with them five times and each time they claim the check is in the mail. After several months of claiming that I will receive the check, it never appears. Clearly they are purposefully holding on to the money. Why?
Product: Credit reporting

I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting

Good Afternoon, After I entered all the information and pass the XXXX multiple choice questions, Equifax and XXXX did not allow me to see or print my credit report via online!. 
I did receive the XXXX Credit Report. 
Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy. 

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have one XXXX XXXX Credit Card that I use for everyday purchases and intentionally keep a low credit limit and pay it off regularly. All previous payments I've made get posted to my account the next day after making a payment and the funds are available at that time. I once again paid off my card on XX/XX/2020 and it pulled the payment from my bank account on XX/XX/2020 ( does not show pending on my bank account, the money was taken out ). I tried using my card yesterday XX/XX/2020 and it got declined, so I called and asked why and they told me that the payment is on hold and should go through any time. I checked again this morning XX/XX/2020 and it still hasn't posted to my credit card account, so I called again and got transferred to the payment specialists and got told that it is still on hold and won't be released until XX/XX/2020 ... to me it seams like this should be illegal, they literally have my money that they took out of my bank account as of XX/XX/2020 and I won't have access to it until almost a week after they took it ( hopefully )!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, my PayPal account was taken over by an unknown individual. The individual transferred over {$5000.00} from my bank account a XXXX XXXX XXXX XXXX to PayPal. The individual then transferred the cash into Bitcoin and transferred the bitcoin back to cash to a debit/credit card not belonging to myself. I immediately noticed the activity and contacted the bank and PayPal to make them both aware of the fraudulent activity occurring in my account. PayPal eventually block the account and issued credits back to me in the form of Bitcoin for several of the fraudulent transactions. I appreciate the credits however the unknow individual used cash from my account to purchase Bitcoin. PayPal acted as though I had made the transactions on my PayPal account and issued credit back in the form of Bitcoin as though I purchased the Bitcoin. The main problem with this is that the credits don't match the transactions within my bank account, and PayPal has never provided an accounting of how the credits were issued. Two transaction for {$910.00} and {$400.00} where disputed directly with my financial institution and temporary credits were issued ; however, those credits expired after 1 month. Neither PayPal or my financial institution has taken ownership of those two transactions and continue to point the finger at one another. PayPal claims that my bank issued permanent credit. I have attached the banks statement to PayPal in which they show that a permanent credit was not issued only a temporary credit for the dispute. I read online that it is a a common banking practice for a temporary credit to be issued during a dispute. I have spent countless hours attempting to get my money back for the remaining two transactions. Multiple cases have been set up and closed and many phone calls have been disconnected or not returned. I immediately made everyone aware of the transactions so that they could be stopped and instead months later I am still fighting to have my money returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date XX/XX/year> 1801 Capital  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Louisiana Dear 1801 CapitalXXXX cease and desist I am writing to request validation of the debt you claim I owe. The Fair Debt Collection Practices Act ( FDCPA ) requires that you provide me with certain information to verify the debt. 

Please provide the following information : 1. The original creditor 's name and account number associated with the alleged debt.

2. A copy of the original contract or agreement that I signed.

3. A detailed accounting of the amount claimed, including any interest, fees, or charges.

4. Proof that you are licensed to collect debts in the state of Louisiana.

5. Verification of your authority to collect this debt on behalf of the original creditor. 

Pursuant to 15 U.S.C. 1692g of the FDCPA, I request that you provide this information within 30 days of receipt of this letter. Failure to provide the requested information may lead me to dispute the validity of the debt. 



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

In XX/XX/2013 I vacated my tenancy at an apartment complex that had serious cockroach infestations that were not resolved and resulted in causing major medical issues with me. I had given them notice of the issue continuously and monthly would provide evidence of the infestation with my rent check. I gave them 45 days notice of my intent to vacate under the AZ law StatXXXXAnn.33-1363-1365, which requires the landlord to maintain the premises to be habitable for health and safety reasons. The lease was terminated 3 months early due to these reasons. The apartment was re rented 2 weeks later and therefore Under the Arizona Law cited item ( 1 ), I am not liable for the rent for the remainder of the lease I had with  them. It is illegal to charge someone for rent that is already being collected by the new tenant. 
" Arizona law ( Ariz. Rev. Stat. 33-1370 ), your landlord must make reasonable efforts to re-rent your unitno matter what your reason for leavingrather than charge you for the total remaining rent due under the lease. '' Multiple letters had been written to the original company with no response. The debt was then sold to a collection agency, for which no billing was received. The collection was discovered via credit reports. this debt is not legally collectible but they refuse to remove from the credit report. Disputes have not done anything as debt is only verified with collection company no one looks at legality of the debt. Others have had the same issues with this company.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I received my first pay roll check from my place of employment. I deposited the check thru my Chase bank mobile app and it uploaded twice, not purposefully. I knew the amount deposited being over {$500.00} would be put on hold for XXXX hours. After the XXXX hours came about, my checking account was restricted due to the double check uploading mistake. Understandable. I was told XXXX business days my account will become active again and my employers bank ( XXXX XXXX ) would need to cancel the extra check.. they did. So now being almost XXXX weeks of not having my hard earned pay check accessible, Im beyond frustrated. The XXXX yesterday came ( the XXXX business day ) I still could not access my money. I called customer service around XXXX pm, I was told my account is on hold another XXXX hours. After XXXX XXXX  came and I STILL cant pay my bills. I called around XXXX XXXX, to which I was again told that it will be on continued hold until my employer is verified. I went to chase, brought the pay roll check I deposited on my bank app, verified my entire existence to prove I am not a fraud. NOTHING is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since 2019! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.
Product: Credit reporting or other personal consumer reports

I am filing this second complaint regarding Experians continued reporting of an unverifiable and inaccurate collection account ( XXXXXXXX XXXX XXXX XXXX  ) showing of {$3500.00} debt owed of on my credit report. Despite my prior complaint, Experians reinvestigation failed to resolve the dispute or provide evidence supporting the validity of this debt. 

Furthermore, during the dispute process, Experian added unverified addresses and employment to my credit report that were not previously listed prior to the complaint against them. These addresses are inaccurate and irrelevant to my credit history. 

Experians actions represent multiple violations of the Fair Credit Reporting Act ( FCRA ), for which I am seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Violations of the FCRA by Experian 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ) o Experian failed to obtain proper documentation from Fair Collections & Outsourcing to validate the debt, such as : The original agreement showing my obligation with my signature showing a contract between myself and XXXX XXXX XXXX 
o Experians reliance on vague responses from the furnisher without reviewing adequate evidence violates FCRA 611 ( a ).

2. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) o Experian continues to report inaccurate and incomplete information, including : Misleading terms ( " 1 Month '' ), inconsistent with typical collections practices. 
Missing and inconsistent payment history. 
o These inaccuracies violate 15 U.S.C. 1681e ( b ).

3. Failure to Delete Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ) o XXXX XXXX XXXX XXXX  did not provide sufficient evidence during the reinvestigation to verify the accuracy or validity of the account. Under 15 U.S.C. 1681i ( a ) ( 5 ), Experian is required to delete such information.

4. Failure to Provide a Clear Reinvestigation Outcome ( FCRA 611 ( a ) ( 7 ) ) o Experians vague response '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' fails to meet the FCRAs requirement to provide a detailed explanation of the reinvestigation process and results ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

The original credit report that was pulled, the dispute update and the Letter of dispute that was sent for a second time has been attached.
Product: Student loan

After my first 2 years of paying for my loan, I went to make a payment and it doubled. When I called to find out what happened, I was told I 've been making interest only payments and that timeframe just expired. I was very unhappy to hear this because not only did I expire all the interest only options preventing me from using this in a future time of hardship, but it set a very unfair expectation on my budget that I then had to stress to Remanage suddenly. Oh, not to mention, this expectation was either set poorly or not at all from the beginning. In the desired resolution section, I elaborate on their forbarence process and how that works and some very concerning parts of that process where I feel this company takes advantage of its loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with both XX/XX/XXXX and Transunion regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XX/XX/XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 TRANSUNION FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.
Product: Credit card or prepaid card

Im XXXX  and purchased a computer from Best Buy XX/XX/2022 with their Geek support, by opening a Best Buy Credit card. I have an excellent rating. My understanding was that it would be interest free if paid off in 18 months. The total came to a little over {$1000.00}. I made my first payment before receiving my first bill, while setting up the online payment at my bank. 

Most of my income comes in the first of the month. Every month, when my checks come in I have paid {$100.00} on the first of the month ; more than was due! I recently discovered that Best Buy XXXX XXXX Bank has been charging me a {$30.00} late fee, because I made a payment before it was due! 

I think a smart XXXX Bank or Best Buy XXXX has figured out that they can make more money charging {$30.00} late fees than charging interest, hoping seniors wouldnt notice the late fee. So far they have charged me {$90.00} in late fees, even though I have made a {$100.00} payment each month. 

I wrote Best Buy, they never responded. After filing multiple complaints XXXX bank has refunded the late fees.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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