23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a disputed debt with XXXX XXXX about 7 or 8 years ago. They charged me twice for a cell phone and I could not get the company to fix the problem. ERC told me that if I paid them half the amount claimed that they would fix my credit report to show the debt had been satisfied. I paid the money to ERC because they said it was too late to settle with XXXX. The payment was made to ERC about two years ago and then I got a collection letter from them and phone calls were made incessantly to me and they would not listen to reason. The company are extortionists threatening to ruin your credit and then doing just that even when you pay.
Product: Credit card or prepaid card

First Progress Credit Card Account was paid and closed. Still reports on credit report. 
Date closed XX/XX/2022 Amount paid of {$400.00} on XX/XX/2022 Refunded of {$290.00}, XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally document my repeated attempts to address a fraudulent account opened in my name with Self Financial Inc. On three separate occasions ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ), I reached out to Self Financial Inc. to report this fraudulent activity and seek resolution. However, despite my efforts, I have not received any response or resolution from the company. 

The only information I have regarding this fraudulent account is the outstanding balance of {$440.00}. I have not received any further details or documentation about the account from Self Financial Inc., despite my repeated inquiries.
Product: Mortgage

We just completed and discharged our Chapter XXXX bankruptcy officially on XXXX XXXX, XXXX. 
ALL of our payments had been paid on time, along with {$24000.00} roughly, of interest arrearage paid to the XXXX mortgage holder/servicer Gregory Funding prior to discharge. ( see attached documents ) .To our shock and surprise we received a " Notice of Intent to Foreclose '' from Gregory Funding XXXX dated XXXX/XXXX/XXXX stating that we were delinquent 6 payments back to XXXX XXXX, along with nearly {$28000.00} past due amount, late fees included. The notice also showed that our payment would go up nearly doubling, as of XX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without permission to open two accounts and make purchases with the company ( s ) of which I am unaware. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. I would have contacted these companies regarding the matter, and it has been a bittersweet experience for me. I have sent letters to these companies ' fraud departments, I have called over the phone, and I have sent numerous emails to solve the matter, and I have yet to come to any solution. I request a proper investigation and immediate deletion of these accounts, for the negative accounts, have been hurting my credit for a long time. Following the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. Also, please notify XXXX account number XXXX and XXXX XXXX XXXX  account number XXXXand tell them the debt results from identity theft. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice explaining your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including Account applications made on paper, online, or by telephone ; Account statements or invoices ; Records of payment or charge slips ; Delivery addresses associated with the account ; Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Mortgage

On a previous complaint that I made against Select Portfolio Servicing , Inc . 
( SPS ), the company made a blatantly fraudulent statement to the CFPB in their Companys Response. This is regarding their statement We received a P & L on XX/XX/2022 ; however, the P & L was dated more than 90 days, which is not acceptable. 
This is blatantly and provably false by their own phone calls and letters. The quarterly P & L statements were for XXXX, XXXX and XXXX of 2022. They claim to have received them on XX/XX/2022, just 20 days after the end of XXXX, or the first quarter of 2022. How could they possibly be dated more than 90 days? They were acknowledged to have been received just 20 days after the end of the quarter. 
Unfortunately, this type of tactic is completely consistent with the practices of this company, as we have tried repeatedly to get a resolution to this COVID-19 forbearance amount over the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX, 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 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect XXXX XXXX, Mr Cooper Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Product: Debt collection

I am being charged for XXXX XXXX  XXXX XXXX {$1700.00} by ARS and this account isnt mine I want it removed from all three creditors and remove XXXX I was approved XXXX discharge last year.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off and that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE THIS FRAUDULENT ITEMS : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX.
Product: Checking or savings account

I had a charge to my chime account, On XXXX different occasions I tried to file a claim and they denied XXXX of them for the most money I have been asking for a review XXXX a XXXX  mother of XXXX! XXXX $ and XXXX $ XXXX not seem like a lot but when it makes a difference in paying my daycare or renting a car thatll get me through the week. Its a lot to loose for me. I didnt notice when I went to XXXX XXXX the XXXX of XXXX around XXXX I had left my wallet unattended XXXX of my cards were missing I didnt want to file a police report because I figured it would be ok, well as I was looking through my recent transactions I seen a withdrawal of XXXX $ on XX/XX/XXXX at XXXX, another XXXX $ withdrawal on XX/XX/XXXX at XXXX and the last one on XX/XX/XXXX at XXXX XXXX XXXX Chime has denied my claim and I really CANT afford to loose this much money XXXX hoping the XXXX for XXXX $ will be accepted but I have a bad feeling it wont. I got a new card and they will be mailing it in the XXXX of XXXX but still I need this money back. Please help me!! Idk what else to do
Product: Checking or savings account

So Ive been dealing with this since XXXX now and Chime doesnt seem to want to even bother to listen when I keep telling them that I never received both of my refunds back. So I ordered a ticket for electric forest to XXXX and XXXX had double charged me so I disputed it to chime. Now chime took it in and adjusted my balance with a credit. Me not knowing that chime was the one who adjusted I cancelled thinking XXXX refunded one of my 2 {$96.00} payments. So I email chime and tel them I didnt mean to do that and to say it will be reversed in 5 days and that I would have to email again to get it rebuttaled. So I wait and I email them 5 days later and tell them that it went through. The next day or two XXXX refunded one of them {$96.00} payments. By then I had talked to XXXX. I saw my next payment plan price was double and I asked the lady at XXXXXXXX why I was getting double charged and she said that they had refunded both {$96.00} payments to me. So I tell chime about this and they say the will continue to investigate. A few days pass again and I email chime asking whats going on with my other payment that was suppose to come back to me. Now here it is almost XXXX and I still have it gotten my other {$96.00} payment. I sat on the phone with them for 2 hours today and they just dont care about their customers at all. Now its weird also that now the dates keep changing on when I supposedly got these refunds and its just really starting to make me mad. Cause I even talked to XXXX again today and the lady said I was supposed to be refunded two payments both the same price the {$96.00} payments. Ive only gotten one and chime doesnt seem to want to care about my money that I worked hard for. Im a server and we live off tips and this is just really aggravating me especially when Im providing all this proof including todays with the XXXX lady. I have every email and transaction and chat with XXXX all saved.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX. and its correspondent Deutsche Bank US failed to properly process and refund a wire for over XXXX XXXX XXXXhat was sent by my attorney from his trust account. First they improperly coded the wire indicating it was a conditional sales contract then delayed in amending the wire. This wire was initiated on XX/XX/2023 and was credited back to Deutsche Bank NA on XX/XX/2023 but still has not been returned to my attorneys trust account XXXX XXXX. I have no money and I urgently need this money for food and emergency medical care but XXXX XXXX XXXX and Deutsche Bank US fail and refuse to credit the money back to my attorney so he can resend it. In addition to stealing my money and improperly handling they have caused me unnecesary attorneys fees of XXXX XXXX I am asking that these institutions refund the money immediately and reimburse me XXXX XXXX for totally unnecessary fees and cost
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for verification of bankruptcy from XXXX, XXXX, and Equifax. Each bureau states XXXX. However, the XXXX  XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian about a collection that was XXXX - XX/XX/XXXX from the Department of Veteran Affairs. They changed it to past due during the months of XXXX - XX/XX/XXXX and collection in XX/XX/XXXX. And then also added collection in XXXX and XX/XX/XXXX. This account was closed in XXXX. The XXXX collections are fake and theyre wrong. This should be removed immediately. I dont know why they lied and made up a collection when the account has been closed for 4 years. 

Dispute info : Report XXXX XXXX generatedJun XXXX, XXXX
Product: Credit reporting

I disputed numerous inquires through Equifax to get them deleted because I did not authorize them and I was basically told that I had to contact the creditors that pulled my report even thou Equifax could not supply documentation bearing my signature.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text indicating that I owed {$6.00} in past due tolls to the state of Minnesota. I entered my debit card account information, and shortly thereafter got a text that there had been fraudulent activity on my checking account. I checked my online statement, and {$9000.00} had been withdrawn. I then got a text stating that a Wells Fargo account representative would be calling shorty to assist me. Moments later, a gentleman called, identifying himself as a Wells Fargo fraud specialist. He was very professional and sounded exactly like any other Wells Fargo employee I had ever spoken to. He walked me through a series of steps to assist in protecting my XXXX XXXX account ( which I never use ) telling me this would protect my account. 

I have received new debit card information via phone before through Wells Fargo, so this seemed normal to me. In actuality, the 1st {$9000.00} transaction had been rejected by Wells Fargo ( unknown to me ) so he was actually allowing a second bite at the XXXX and stole {$9000.00} by transferring it out of my account. 

The next day, I got on my account to ensure all was well, but instead my {$9000.00} was gone. I reported it immediately and was cooperative with Wells Fargo. I then found out that the toll scam was everywhere. It's even on the XXXX XXXX XXXX. of XXXX XXXX, and FTC websites as a scam - fraud!! I do not have any idea how Wells Fargo can possibly feel justified in denying my claim and saying it's not fraud- they said I " agreed to the transaction ''. I agreed to cooperate with a WELLS FARGO EMPLOYEE who was helping me. Needless to say, I have appealed my claim. I also reported this activity to the FTC and the local police department.
Product: Student loan

A loan was taken out for XXXX and disbursed XXXX/XXXX/XXXX and out of school date was XXXX/XXXX/XXXX under loan # XXXX. Co-signer #. XXXX. Payment of XXXX was made in XXXX/XXXX/XXXX and late fee of XXXX. The account balance should be approximately 14,000 with interest and late fees. In the mean time IRS refund checks under XXXX XXXX XXXX XXXX From XXXX - XXXX are being sent and directed to U.S. Dept of education national payment center, XXXX. XXXX XXXX, XXXX XXXX XXXX. I am told that the account was referred to this company for collection. This company created a new account under XXXX and claiming the amount due is XXXX. I believe that the aes and this company is accepting and making the account owed double. I would like to have the IRS make this company send those funds to the proper payment center in XXXX XXXX where the account originated. I would like to have the daily compounded interest and late fees adjusted properly from XXXX. Any questions please contact me at XXXX or email me at XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New Jersey Laws Dear CAPITAL ONE, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and New Jersey identity theft and credit reporting laws, specifically the New Jersey Consumer Fraud Act and the New Jersey Identity Theft Prevention Act. 

It has come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, clearly mandates that the consent of the consumer is a mandatory requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, New Jersey state law also emphasizes the necessity of consumer consent for credit reporting. Specifically, the New Jersey Consumer Fraud Act and the New Jersey Identity Theft Prevention Act establish guidelines to protect consumers from unauthorized and potentially harmful credit reporting practices. These laws underscore the importance of consent and fair reporting of consumer credit information. 

I assert with certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights and has resulted in potential damage to my creditworthiness, showing a disregard for both federal and state regulations. 

I demand that CAPITAL ONE immediately cease any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant New Jersey laws. Failure to comply within 30 days will be considered willful noncompliance, subject to legal penalties under applicable laws, including the New Jersey Consumer Fraud Act and Identity Theft Prevention Act. 

I emphasize that obtaining consent is not optional but a legal requirement under these specific sections of the FCRA and New Jersey laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that CAPITAL ONE will promptly correct these violations and respect my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$21000.00XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$18000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately