23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Elevate Recoveries , LLC reported a mark on my credit file regarding a debt. They reported false statements on their letter stating they are licensed in Tennessee. This mark should be removed. They have misrepresented the Tennessee Collection Service Board of the Department of Commerce and Insurance. They are violating State licensing requirements.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX ; Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX  XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, apparently, I was looking for a recliner. I found some, but my daughter thought I should look at XXXX recliners. I found several and sent them to her. She liked one and I started a purchase process. I saw the recliner would take 4-6 months to be delivered. We decided that was ridiculous. I had started a purchase process but DID NOT FINISH because of our conversation. I did not purchase the chair, did not receive an account initialization announcement, account number or credit card. 
then I saw an account was added to the XX/XX/XXXXCredit account report, lowering my score and possibly added at the other two credit reporting companies. I started with XX/XX/XXXX because it was the one sending me the information. So I dispute the addition of this fallacy to my credit reports.
Product: Credit card or prepaid card

On XX/XX/2022 a charge of {$4600.00} from XXXX XXXX  was noticed on my TD bank N.A. credit card.I contested with cc co.case # XXXX after investigation said I am responsible for charge.I filed a police report # XXXX, and no billing or video was found.
Product: Debt collection

For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. 

JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. 

This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX, XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXXXXXX : I recently received a debt collection notice from your office with an account number # XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX is inaccurately reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX XXXX XXXX XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported my transaction was 60 days late. 
XXXXXXXX XXXX you reported my transaction was 90 days late. 
XXXXXXXX XXXX you reported my transaction was 120 days late. 
XXXXXXXX XXXX you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.
Product: Prepaid card

I am a Comerica/Direct Express consumer. I receive XXXX benefits on a card monthly. The state income comes on the XXXX, the federal, on the XXXX. I was getting ready to go to the grocery store on the XXXX of XXXX and checked my card to be sure that my state check had been deposited. I noticed ( on the app ) where I check my funds and transactions that there was a card sale pending for the XXXX of XXXX in the amount of {$990.00}. It was a fraudulent card use at " XXXX XXXX XXXX XXXX, Colorado United States Of America ''. 
I live in XXXX, California and absolutely was not in CO. Also, this is my ONLY source of income as a XXXX mother of XXXX. I absolutely did not would not could not make a transaction for that amount. I immediately called the bank to let them know that this was a fraudulent transaction. At the time, I only had {$100.00} on my Direct Express card. I receive just over {$1000.00} on the XXXX. I was told I would need to file for an investigation ( which I did ) as well as cancel my card and apply for provisional credit. I did all three tasks and have tried repeatedly to get information as to what is happening with the investigation. It is now the XXXX, and I have not received any form of communication back regarding the investigation or the provisional credit. I have no way to pay my bills and zero access to my funds. Please look into this matter as this was a crime that needs to be investigated. Thank you so much. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I purchased a TV from XXXX store on XXXX/XXXX/XXXX for {$2900.00} which was on promotion no interest rate for 24 month and after 24 month period would be 26.99 % apr. I made monthly payments for about 2 years in the amounts of approximately {$100.00} on monthly basis on XXXX website. 
XXXX switched their processing bank to Synchhrony financial processing in XXXX and I had to send remaining payment via regular mail to Synchhrony XXXX. 
I send few remaining payments that Synchhrony did not post toward my account and now Synchhrony is demanding {$3800.00} from me to pay and refusing to settle anything less then for {$3800.00}. 
They are refusing to give me any information, they are treating me as I have never made a single payment for the originally purchased item from XXXX. 
After my numerous of attempts to resolve this issue and account discrepancy they forward my account to a collection agency who is damaging my credit history and demanding and harassing me to pay nothing less then {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a XXXX  XXXX  from XXXX XXXX in XXXX, Maryland. I later received a statement from XXXX indicating that I owe {$0.00} to XXXX XXXX for said XXXX. XXXX paid a contracted portion to XXXX XXXX. I also received a statement from XXXX for XXXX indicating that I owe {$0.00} to XXXX XXXX for the same XXXX. XXXX XXXX  XXXX paid their contracted portion to XXXX XXXX. 

In early XXXX I started getting statements from XXXX XXXX, saying that I owed them money -- approximately {$59.00}. In response, I MAILED, in hard copy format, the two statements ( from XXXX and XXXX XXXX  XXXX XXXX stating that I owe {$0.00}. I continued to get bills from XXXX XXXX. 

I then called XXXX and explained the problem. They stated that they were going to send a letter to XXXX XXXX informing them that they are in violation of their contract. Shortly after, I received a letter from XXXX stating that I am not liable for the charges. 

I then received a letter from the collection agency, Receivables Management Systems. I immediately called and left a voicemail for a dispute resolution specialist. Days later she returned my call and said that she would call XXXX XXXX. 

Then I received another letter from the collection agency saying that I was going to be reported to the Credit Bureaus. 

I called AGAIN, spoke to a different dispute resolution person. She would not listen to me. She only believes what XXXX XXXX sent to them -- which is false and in error. 

Clearly, I owe nothing. I have PROOF that I owe nothing. 

The collection agency sent me an additional letter stating that I claimed identify theft. I never said such a thing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX TransUnion : XXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Product: Mortgage

Ocwen Loan Servicing has been threatening to foreclose for over two years now, even though I have proof of EVERY payment made since XX/XX/XXXX, before they took it over. I have read horror story after horror story, never-ending, about people in the same boat. They are attempting to escrow for insurance that I pay myself at XXXX time the rate, in order to get kickbacks from their affiliates, one of them being " XXXX '' ./XXXX I called and asked for a " pay-off '' amount to make the harassment cease and desist. TWICE I mailed a check for the amount they gave me. They have so many " departments '' and so much outsourcing to XXXX that one hand has no idea what the other is doing. If my paralyzed son did not live in this residence which I bought and equipped for him, I would GLADLY tell the XXXX to TAKE IT. However, he is XXXX for over 30 years now and has nowhere else to go. I have read that one recourse is to let them illegally foreclose and then lawyers would jump all over it, but I do hate to see my son XXXX in the street through no fault of my own. I just yesterday read an article about a " granny '' who has never missed a payment since XX/XX/XXXX until Ocwen took over and sent her a bill saying she owes {$30000.00} ( yes that 's XXXX XXXX ) in " fees ''. When she and her son contested it, thought it was a computer glitch, the figure magically went down to XXXX XXXX, with no explanation. They are still to this day enduring the XXXX I am going through. There are SO MANY STORIES of this nature that I find it impossible to believe that these people are humans, much less allowed to operate as a " legitimate '' business. I thought that this was the USA? What happened?
Product: Checking or savings account

On XX/XX/XXXX my debit card was declined at the grocery store in spite of the fact I have {$2800.00} in the account. I thought there was an error with the machine. My card was declined again at the train station at XXXX. I called Bank of America on XXXX, XX/XX/XXXX and was told for the first time that my account had been closed for " business decisions. '' I asked how I could withdraw my funds and was told I can not because they've locked my account upon closure. I asked when I was notified if at all of this decision and they said they put a letter in the mail to me on XX/XX/XXXX -- the same day that they closed the account. This closure came without any notice to me and now I have no access to my checking or savings account with Bank of America. I appealed the company to unlock the funds so that I can survive, but I have been told the process takes several days and may be denied at which point my own money will be sent to me on XX/XX/XXXX. Meanwhile, the credit card I have through Bank of America will continue to accrue interest and late fees even though I have no way of settling the bill because the bank itself has frozen my assets. I have never overdrawn the account, I am in good standing, and for no reason at all, Bank of America is holding my own money XXXX.
Product: Checking or savings account

I was involved in a bank scam. I met this girl and she seemed pretty nice enough to let my girlfriend and I stay over her place because at the time I was homeless and my girlfriends mom kicked her out. While we were staying there some of our personal information was getting taken from us and even as a couple we would argue back and forth about who touched whoever stuff. We didnt realize that the people we were staying with and calling our so called friends at the time were stealing our information and using it to scam us. My girlfriend who has already filed a report for identity theft and myself am trying to file for bank fraud. In my situation it was quite different because I didnt know what was going on behind the scene of what happened but I do know what I was told was that they would deposit some money in my account and all I would have to do is go up to the bank walk in and get the money out of my account. The night that the money hit my account I told them that I didnt want the money because I started getting more information about what they were doing. They threatened me to go to the bank or they would start at the first address underneath my bank account. After that I got the money from the bank and walked out the bank with XXXX from the bank. They then told me to get in their car and they told me to give them the money. I did and they gave me XXXX from the XXXX I walked out the bank with. They then told me I had to go to another branch to take out the rest. I went to another Branch and took out the rest of the money. At the time I didnt have my car and the same people that ran that scam on me were the people I was staying with at the time. I was simply told that I would be getting money hitting my account but not everything that would come with it. In total they scammed XXXX out of my account.
Product: Credit card

As recently as a 2-3yrs ago I applied for a credit card with capital one ; after receiving and using the card, I began to make the payments as necessary, even before they were required. Later on down the line my apartment was broken into. The culprits stole a XXXX XXXX XXXX, which contained my credit card information and provided them with access to use the card. Once I discovered that my home had been broken into and robbed, I contacted the local authorities and filed a police report as should. Since then the credit card company has refused to assert the fraud protection and identity theft policy 's. I do not feel obligated to pay the outstanding amount that theives have infused to this card and find the credit card company to blame for this unresolved issue.