23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has a collection report saying I owe {$290.00} from XXXX. It was originally from an old XXXX cell phone bill. I paid XXXX a long time ago in full. I filed a dispute XXXX times already with equifax and every time it comes back saying I still owe money. I even faxed them a letter from XXXX saying I owe nothing. I call XXXX and they say the account was paid and closed but they wont call equifax directly and equifax wont call XXXX directly to resolve this. They each tell me to call the other company so I ca n't get anywhere as this hurts my credit. I have dealt with this about 6 months now with no results.
Product: Debt collection

LJ Ross NEVER sent any verification, yes they have a cease and desist as they wanted to harass me and illegally call my mother and discuss my affairs and have refused to send anything proving this is my debt. Attached is a fraudulent statement by LJ Ross to XXXX as they never sent me this information at all, this debt needs to be removed under FCRA as they are refusing to show me being a responsible party.
Product: Mortgage

we have tried for a home modification for almost 6 years. we kept getting the run around. they gave us a court date the judge said we had to be out in two months. we found a place to rent. a week before the forclosure. the bank said try again for a modification. then they said we ca n't help you. you left the house. we did what the judge said. we checked on the house everyday. just another run around. the reason we asked for the modification my husband got sick and had to go on XXXX. we could not make the high payments anymore.
Product: Money transfer, virtual currency, or money service

In my last complaint PayPal completely ignored and did not acknowledge my documents that I have resolved dispute XXXX and the funds were issued back by XXXX XXXX. These funds are sitting with PayPal at a " XXXX XXXX XXXX XXXX XXXX ''. I have made 5 transactions with XXXX XXXX. All 5 of these transactions have this routing number " XXXX XXXX XXXX ''. I have tried contacting PayPal by phone but they have me blocked me from contacting them in their system. I have also reached out to them on XXXX and sent them documents but they ignore me. In my eyes they have no desire in resolving the issue. I'm enclosing documents seeking a professional reply from PayPal to why they can not address this problem or are they just that lazy? 

My documents are as followed : 1. PayPal 's reply ignoring the fact that payment was reapplied in XX/XX/XXXX document which came from XXXX XXXX. 
2. A screenshot of the re-applied payment and it's transaction number " XXXX XXXX XXXX '' for the amount of {$5000.00}. 
3. A screen shot from XXXX XXXX ( XXXX ) expressing her frustration with the lack of effort PayPal has put into resolving this issue. 
4. My XX/XX/XXXX letter from XXXX XXXX on their decision of the dispute. ( page 2 ) WHERES MY MONEY PAYPAL????? 


If you search issues with PayPal they do have a history of stealing money from people. I would like to know PayPal where are my funds? If you think your going to steal {$5000.00} from me your highly mistaken! My next course of action will be to continue to file with CFPB, XXXX and I'm going to get an attorney. I have had enough!!
Product: Checking or savings account

I PRESENTED WHAT I WAS TOLD I NEEDED TO, IN ORDER TO CANCEL MY AUTO INSURANCE WITH USAA. ( AUTO CANCELLATION FORM FROM XXXX XXXX XXXX HOWEVER USAA IS NOW TELLING ME I NEED TO PRESENT A DIFFERENT FORM IN ORDER TO CANCEL MY AUTO INSURANCE, YET THEY DON'T HAVE THE FORM. 

ALSO, PREVIOUSLY, WHEN I HAD AN ACCIDENT, THE DAMAGE WAS QUOTED {$1400.00}, BY THE USAA EXAMINER, YET THE VEHICLE WAS WORTH {$3000.00} AND THEY CHOSE TO CALL IT A TOTAL LOSS AND SALVAGE THE VEHICLE AGAINST MY WILL. I WAS FORCED TO SELL THE VEHICLE AT A LOWER THAN MARKET VALUE. 

KIND REGARDS, XXXX XXXX
Product: Debt collection

This account does not belong to me. Please remove it from my credit report, and stop contacting me about. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural XXXX XXXX consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

MAURY COBB ATTORNEY AT LAW LLC has sent a letter trying to collect a debt stating I owe to XXXXI have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. In a good faith effort to resolve this matter amicably. I state my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information?. What is your authorization of law for your collection of this alleged debt?. Right to Privacy Act of 1974 also protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol disclosure of non public information without the knowing and expressed consent of the consumer. 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non affiliated two party any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803.15 U.S Code 6803 Disclosure of institution privacy policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} JPMCB XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXXXXXX XXXX  and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts appearing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They say I charged and I say I paid cash. I have been trying to get them to talk to me and help me with the for a while. It happened in XXXX and they keep having excuses for why they keep charging me. I even sent extra money to make them stop and they wont! 

This is for Comenity bank - Maurices
Product: Credit reporting or other personal consumer reports

I am trying to access my account with Experian but my email and phone number do not match their records and thus I am unable to verify my identity and request my Username and Password Reset. I have tried calling Experian 's customer service line but the automated voice message system was unable to transfer me to a real person and kept sending me messages to just loop back to the same error login page. It's very frustrating and I want to be able to log into an account to ensure private identification information ( such as SSN, DOB, and addresses ) are secure.
Product: Checking or savings account

While I was in another state Someone made a fraudulent Charge using my debit card numbers. They made two identical purchases for {$140.00} before Wells Fargo declined them from making Three more purchases at the same gas station. I called and reported the fraudulent purchases two days later when they showed up on my account. The charges were even still pending for more than two days, and I reported them as fraudulent when they were still pending charges. I am still in possession of the card and have proof by multiple eyewitnesses that I was in another state. My bank determined that they were not fraudulent, even though they had proof and even the bank itself had denied those other attempts for the same amount. Wells Fargo is not willing to admit their failures and refund my stolen money.
Product: Checking or savings account

I saw recently that Navy Federal Credit Union was being sued for overdrafting XXXX XXXX Soldiers, I have been charged overdraft fees plenty of times on my account.
Product: Credit card

I have a credit card issued from Country Club Bank and the account is managed by Elan Financial Services. I made some purchases on the card last year. Probably over a year ago? The purchases balance is about {$2500.00}. They began to send me offers to transfer higher credit card balances for a fee in exchange for a XXXX XXXX interest rate for a fixed period of time. I do these transfers periodically to save money on interest. My monthly balance is between XXXX XXXX XXXX XXXX per month of which approximately pay down XXXX XXXX XXXX XXXX per month. I discovered that none of these payments are applied to the {$2500.00} balance, rather they are applied towards the lowest XXXX  interest rate which is XXXX XXXX .. Once I discovered this I asked for a credit for the interest paid on the {$2500.00} to which I was denied. I was told I needed to pay off the balance of $ XXXX to retire the {$2500.00} bearing the XXXX XXXX XXXX It seems petty but they refused to resolve this and I wonder how many more people this is happening to. The customer XXXX told me that when I accepted the balance transfer offer that this policy was clearly stated which is not true. I could have easily paid off the {$2500.00} balance if I knew it was incurring XXXX XXXX interest charges. I have paid {$1300.00} in transfer fees and {$150.00} in interest in XXXX. More in XXXX. I asked for my {$150.00} and was treated like like I had no other options. They continue to apply my payments to XXXX XXXX  and will continue to charge the higher interest unless I pay CC off in full.. I spoke to a XXXX named XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Balance : {$13000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, Trans Union XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
Product: Credit card or prepaid card

Multiple credit cards lost and used. Discover unable to find sufficient evidence and/or request specific evidence from merchants. Multiple calls to both discover and merchants made to attempt to resolve all fraudulent charges made in the XXXX Florida area. 
No identification presented to any merchants including hotel and water sports rental was requested from discover. No surveillance at any location. Name at check in was not mine. Email address and phone number used to make purchases also not mine. 
XXXX XXXX XXXX XXXX  FLMerchandise {$2400.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX  TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX TXMerchandise {$90.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Merchandise {$170.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX NJMerchandise {$13.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXXFLMerchandise {$5.00} SECURITY DISPUTE ADJUSTMENT 0XXXX XXXX XXXX XXXX XXXX FLMerchandise {$160.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX FLMerchandise {$130.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX  FLMerchandise {$33.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX FLMerchandise {$510.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX  FLMerchandise {$11.00} SECURITY DISPUTE ADJUSTMENT XXXX XXXX  NYMerchandise {$300.00} SECURITY DISPUTE ADJUSTMENT
Product: Debt collection

On XX/XX/XXXX a collection account was placed on my credit file listed under Jefferson Capital Systems with an original lender listed as XXXX for {$710.00}. Not only did this company fail to notify me via mail in regards to this fraudulent account, they also violated my rights by adding this account to my profile without proper procedures. I am requesting to obtain validation of debt under Fair Debt Collection Practices Act ( FDCPA ) including the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The original contract/ agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges and a list of charges that total the amount claimed 4. Proof that the Statue of limitations has not expired Furthermore, on XX/XX/XXXX this same account was listed for collections by XXXX XXXX XXXX XXXX XXXX who ultimately removed the account because they could not provide sufficient information regarding this file. I am demanding this account be removed from all of my credit files immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Capital one account showed up on my credit report. I told them that I didn't request the credit card. They're asking me to pay for the credit card fees and they will match. I told them that I'm not paying because I never ask for the card. Pay them to boost my credit but they lowered my credit by XXXX points for this card. I told them to remove and close. The continue to charge the fee and now my credit is a XXXX for the card and missed payments. I never got this card. Please remove from my credit.