23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The XXXX bankruptcy that has been listed on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Indiana XXXX Bankruptcy Court filed on XX/XX/2015 under XXXX XXXX XXXX ... Ref # XXXX ( XXXX, XXXX, Transunion, XXXX have all violated my rights ) 15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

15 U.S.C. 1681b : states permissible purposes of consumer reports
Product: Credit reporting

I attempted to file a dispute about an inquiry on my Equifax credit report. They referred me back to the company that made the inquiry, XXXX credit. I disputed the inquiry with them and they sent me a letter stating they could not remove the inquiry and referred me back to Equifax. XXXX claims it 's for some type of credit I applied and was approved for, {$1500.00}, but provided me no proof of such application. XXXX states the lender for pay pal credit accounts is XXXX XXXX XXXX. I never received information from them about the alleged account. This account was opened without my knowledge and not by me. I want the alleged account closed and the inquiry removed. XXXX and Equifax have the date of the inquiry.
Product: Credit card

Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am now the creditor of this consumer transaction and I understand that I need to be compensated for these damages listed below & would like to be on opt out.

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, & XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. Yall also have been practicing unfair billing. I was on a payment plan that I was told would bring me current I made automatic payments on time and they still have reporting of late payments on my credit report as well as they still charge me insurance for those XXXX months when I was told there would be no entrance charge. It was a part of the XXXX month program to get me back on track yall wont allow me to make payments to the principal at all, even if I make the minimum payment for that month already ive called and talked to different people over and over trying to figure out why the program that I was promised was not fulfilled. They keep calling me back or saying different things that dont add up. I now know that I am the creditor and they are the debtor which makes me the consumer in which this debt is arising. They are also are not updating my credit report monthly at all my balance is now {$3900.00}. But its still showing {$4300.00} on my report, which is hindering me, showing a credit utilization and enable on me to apply for things like car, insurance, car loans and more. 
Thank you for your time and understanding. 

XXXX
Product: Mortgage

I received a discharge in a XXXX XXXX Bankruptcy on XXXX XXXX, 2015. Ocwen filed a response to final cure payment in by Chapter XXXX Bankruptcy case indicating that I was current at the end of my Bankruptcy Case. Ocwen is now asserting that I have an escrow deficiency of approximately {$10000.00}. Ocwen will not provide me any additional information regarding the deficiency ; however, I have always had escrow included within my payments. My taxes and insurance have not increased significantly since my Discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Hello I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX Washington in XXXX of this year. I put 10 % down on {$1300.00} it took over a month for the dealer to finalize the loan with the finance company. My house burned to the ground on XX/XX/XXXX and we were struggling to survive we contacted XXXX XXXX they had no sympathy for our situation and told me if we didn't make payment by the XXXX they would be sending back my loan we paid on the XXXX no calls or emails saying that anything was wrong. Now today XXXX XXXX who we still haven't gotten a registration from and who had put plates from someone else 's car on this car we find out from the state patrol saying that they want the car back ... ..we bought the car not being told the title was rebuilt. I have sunk over XXXX dollars into this car because the owner of the dealership I bought it from XXXX rigged everything under the hood of this car I can provide all receipts for the work I've done so basically I would like to either get paid back for the money I have had to dump into the car and the down payment and payment I have made. Or I would like the finance company to reinstate my loan
Product: Payday loan, title loan, personal loan, or advance loan

I opened an account with Chime " Bank '' last year. About 6 months ago they started this " my pay '' scam. " Get your pay when you need it not when your employer wants you to get it '' was the ad they aired on all media, mostly showing young, very young people, most often XXXX. But at no time did they mention this was a payday loan or " cash advance '' and would come out of your next several deposits until paid off. Last month they took over half of my {$1300.00} Social Security Retirement check leaving me in a lurch for necessary expenses. In my own investigation into this as I was a citizen cosponsor as part of the Virginia Poverty Law Center 's effort to curb or outlaw payday lending that Chime may not have the legal authority to offer these loans. One of the reforms we managed to get past the Payday loan lobby was a restriction on online lenders. To do business in the XXXX XXXX Virginia, they must have a license to make these loans. Chime 's offshore non-English speaking call takers did not know what the XXXX I was talking about and could not tell me if Chime had one or not. Checking with the Virginia Attorney General 's Consumer Protection Division and their list of authorized lenders I could not find Chime listed. 

It is well known these loans are targeted at those of us either in the working caste or like me, the untouchable caste and are a bane of our existence. It is a virtual perpetual motion machine. One loan out of need leads to a month 's unpaid bills and the need for another loan. An easy credit rip off as the old song says. We know Der Furher has you targeted for shutdown, so please don't dawdle in solving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned on approximately XX/XX/XXXX that someone had used my information to open multiple utility accounts in XXXX Texas, a state that I have never been in my or know anyone, and I learned because I was notified by a credit card I have that my credit score dropped almost a 100 points and then after filling a dispute with experian also learned that my information was likely gained because of their data breach a couple years ago. And now they verified that what I have told them was indeed accurate, I see that instead of completely wiping this fraudulent account off of my credit report, instead they have it listed as a charge off and looks like that I was responsible for it, but the company just wrote it off and showing that it will be on my report until XXXX!! This was a theft and a fraudulent account and it should be erased from my report completely and I am trying to fix my credit and this fraudulent account is effecting my credit drastically! Please see what can be done about removing it completely. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Ability Recovery Services claims that their client XXXX XXXX XXXX ( who they " represent '' ) has bought this debt, so a person would not owe this alleged debt to Ability Recovery Services, their client or the assumed original creditor ; Ability Recovery Services just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave them permission to have my personal information, that is a violation of my right to privacy pursuant to 15 USC 1692a. Furthermore, Ability Recovery Services just admitted to participating in conspiring against my rights with their client, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028, by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Delete this alleged debt from all of my consumer reports immediately and terminate all further collection efforts.
Product: Mortgage

Contacted by my my mortgage company, Nationstar Mortgage that I was eligible for a recast of mortgage due to paying HARP refi on time for 6 years back in XX/XX/XXXX. Since that time, I have been told repeatedly that all was in order. Then when I pay the new amount, they keep saying I am denied and owe more money. This has happened 3 times! What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?
Product: Prepaid card

Subject : Legal action against Venmo for unjust account freezing. 
Details : Account frozen on without notice or valid explanation. 
Compliance with all Venmo rules and regulations. 
Multiple unsuccessful attempts to resolve the issue through customer service. 
Consequences : Eviction notice due to unpaid rent. 
Accumulation of late fees on various bills. 
Significant personal and professional disruption. 
Legal Violations : Violation of consumer rights. 
Illegal seizure of property by restricting access to lawfully acquired funds. 
Demands : Immediate reinstatement of account access. 
Compensation for financial damages. 
Resolution within [ specified timeframe, e.g., 7 days ]. 
Potential Actions if Unresolved : Complaint to the Consumer Financial Protection Bureau ( CFPB ). 
Lawsuit for damages and punitive damages. 
Expectation : Prompt action and detailed explanation from Venmo to prevent future occurrences.
Product: Credit card or prepaid card

I applied and received Chase Bank 's co branded with Marriot credit card- Chase Marriot XXXX XXXX Credit Card with a welcome promotion of 3 reward nights if I spend {$3000.00} in the first three months. This card charges {$95.00} annual fees. I have spent the minimum amount almost 6 months ago and I have not yet received my welcome bonus. I have spent the last 6 months on calls with customer service- both Chase and Marriot and not received any response so far. Every time I call, the only response I ever get is to call back in 10 to 15 days. I spend almost an hour every call but with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have PAID Charge-Offs with XXXX, XXXX XXXX XXXX, XXXX, XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX XXXX  XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card

Amex practices FRAUD. I have an unauthorized charge on my account for {$8200.00} charged to my account on XX/XX/2023. Amex refuses to suspend or even investigate the charge. They outright violate consumer rights and the law. The case is simple, I never authorized the charge and never received any goods for it. There is no signature or no delivery or order information for it. The issue is Amex. They continue to XXXX me for payment. I have over XXXX recorded calls from them demanding payment when they REFUSE to investigate this unauthorized charge. This is illegal and they MUST BE SHUT DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX WELLS FARGO XXXX XXXX WELLS FARGO XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Debt collection

Harris & Harris has sent multiple letters to home demanding I pay debt of unknown source. The letters each time contain a different amount owed, they have not verified that I owe this debt. I have received harassing phone calls multiple times a day at all hours of the day, lately phone calls have been coming in as early as XXXX.
Product: Credit card or prepaid card

My name is XXXX XXXX, I am a single-owner XXXX with no full time employees. We're so small that our credit cards for business are all taken in my name. My company 's name is - XXXX XXXX, XXXX dba XXXX XXXX XXXX. 

This complaint - about Capital One visa -- is centered around an Insurance company 's push to collect ( going back to XX/XX/XXXX ) advance payment for 2 Insurance policies ( only 1 needed ) that were soon after deemed to " not have the right coverage '' and the upper limits of {$3.00} Mil to cover our risks on contracts for our customers. And, the second policy was paid for in XX/XX/XXXX for {$2300.00} on our Capital One visa. Soon after paying this way, we found out that we had no insurance coverage ( Per our sales rep - XXXX XXXX, at XXXX XXXX, affiliate of XXXX XXXX XXXX XXXX ). 

There are parties at the XXXX XXXX XXXX that have been forcing re-bills for the transaction with Capital One believing whatever story that they have, and refusing to hold up the validity of all of our Documents/ Proof attached -- - Including the Virginia State Corporation 's involvement in our case with them. ( see attachment called " 2 refunds and 2 forced re-bills ). 

Please see all attachments and most important to start -- is a PDF of the XX/XX/XXXX purchase of -- {$2300.00} that was Refunded by Capital One when we contacted them in XX/XX/XXXX after XXXX XXXX XXXX XXXX notified us that we had " no special overages as required by our company, that they wanted to charge {$2300.00} for premise liability only- '' - which at that time, the first policy attempt with XXXX  that was cancelled to the inception was only {$690.00}. 

Please note, that although this insurance company 's short ( refunded {$200.00} less than owed ) on that first policy, written for only 10 days in XXXX, that the short refund on that one ( paid by check ) was {$490.00} only when we had paid {$690.00} for it 2 weeks earlier. 

All proof and documents attached, including emails between myself and this insurance company. THEY STILL OWE - XXXX XXXX XXXX over {$2500.00}, including the {$2300.00} and Capital One has NOT EVER PROVEN THAT WE OWED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Product: Debt collection

In XX/XX/year> I was made aware of a past due account at XXXX XXXX XXXX after I received a phone call from them. Since I have never opened an account or purchased anything from XXXX XXXX XXXX, I was transferred to their fraud department where they filed a claim and said they would close the account and get back to me once a resolution was reached. 

Fast forward a few months to XX/XX/year> and I have a new collections account from Sunrise Credit Service who purchased the past due fraudulent account. I'm not sure why XXXX XXXX XXXX sold this debt after I made a fraud report or why Sunrise didn't verify the debt was valid before purchasing, but I'm trying to buy a home soon and want this gone ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I noticed on XX/XX/2023 that there was a debt of {$280.00} from a company called SEQUIUM ASSET SOLUTION on my credit report. The original creditor iXXXX XXXX XXXX the account was opened XX/XX/2023, I did not open nor do I have knowledge of this account being opened. This is a case of identity theft. In addition to this I also have a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX, which is a company that offers XXXX XXXX XXXX and XXXX XXXX to XXXX XXXX. XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these two companies share my personal information between themselves including SSN and NAME and BIRTHDAY. In the letter it states verbatim " On XX/XX/2023 XXXX XXXX identified unusual activity on certain systems within our computer network. '' This also is stated verbatim in the letter, " On XX/XX/2023 the investigation determined that certain files were copied from our network without authorization between XX/XX/2023 and XX/XX/2023. This also is stated in the letter from XXXX XXXX verbatim " Our investigation determined that the affected files contained information including your Social Security Number, and name. 

So far concerning this urgent and stressful matter I've contacted XXXX and reported the problem procedurally. 

Please help me in this case. 

Thank you