vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
XXXX, XXXX, AND XXXX Subject : Debt Validation Request XXXX Dear XXXX, XXXX and XXXX I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : 1. Proof of Debt and Amount Owed : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied.

2. Creditor Information : The name and address of the original creditor.

A full itemized statement from the original creditor showing the history of the debt.

3. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor.

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect.

The names and addresses of all parties involved in the chain of assignment.

4. Statute of Limitations : Verification that the alleged debt is still within the applicable statute of limitations.

5. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state.

Please be advised that if you can not provide the requested documentation within 30 days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

Thank you for your attention to this matter. I look forward to your prompt and complete response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One saying my information was updated. I called Capital One to dispute and question this. They told me someone opened a Capital One 360 checking account and added an account XXXX to my profile and initiated a {$5000.00} wire transfer from my XXXX XXXX Checking account to my Capital One 360 checking account. 
On that same day, XX/XX/XXXX, I closed my Capital One Venture Card as I didn't have confidence that they could prevent fraud on my account. I asked Capital One to remove any fraudulent information and close the checking account. 
On XX/XX/XXXX, I logged into the Capital One App and noticed someone had fraudulently redeemed XXXX reward points. I contacted Capital One that same day and reported the issue. They said they would work on getting my points back and it would take XXXX business days. 
On XX/XX/XXXX I called for an update and they had no update. Later that week i received a new Credit Card with a different number in the mail. I called and asked about that and they said they never closed my account, they just sent me another card. But they said someone else had already activated and was using fraudulently. I told them I had requested that my account be closed but they didn't close it. 
On the week of XX/XX/XXXX I called again and to get an update, they said they still didn't have an update. 
On XX/XX/XXXX I received another credit card in the mail. I called Capital One and told them I received another card Capital One Venture Card. They said the new card was for a Capital One Quicksilver Card. I told them I didn't apply for a Quicksilver Card and that I only previously had a Venture Card ( since XXXX ). Once I told them this they finally closed the account. On that same day they informed me that someone else had redeemed an additional XXXX reward points on XX/XX/XXXX. There were additional fraud charges and I disputed them. 

My main complaint now is that every time I called Capital One they said they have no record of my dispute of the rewards points redemption. I deserve to receive my total of XXXX reward points credited to my balance for a total monetary value of {$760.00}. The representative said they can't do that because Capital One closed the account rather than me voluntarily closing the account. 

Capital One is not helping and I've spent over XXXX hours on the phone with them from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I currently have an ongoing mortgage account with XXXX mortgage corporation. I called in about XXXX weeks ago so try and work out a payment plan due to I am now the ONLY source of income in the household. I understood the process and possibilities offered, but as of today XX/XX/2025 I called once again to try and get a payment due date change so I can avoid late fees since I am already having difficulties giving payments on time. which yes it is possible, but I'd have to pay fees for 15 days of an amount of almost {$2.00} XXXX something on top of that partial payment. Which unfortunately I only have to cover the monthly and not that extra amount. Every time I call and try and work something out they are extremely rude. I explained I do have other payment I also have to take care of, and not just this one. I have to work around my payments which is why I need a due date change so that I can avoid late fees of some sort. I do get paid bi-weekly with an amount of {$2000.00} monthly. Keeping in mind MY income is the ONLY source I have explained plenty of times. I have called in with the greatest intention of trying to work something out, BUT XXXX XXXX does NOT know how to treat or speak to their customers. I want to submit this complaint not only against the company itself ( because everyone there that I have spoke to are RUDE, RUDE, RUDE ) but also against XXXX XXXX ( supervisor ) that stated she didn't care if there was other payments on my list that I needed to give this payment as a priority. Every single time I do call in or even answer their calls it doesn't fail they are rude, mean and unfortunately I have cried of how extremely rude they are. I know I have to pay the mortgage, but as a SINGLE mother and ONLY income they have no compassion after I stated my reasons. I hate to be late on any of my payments which is why I had requested a due date change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am writing in response to your recent correspondence and response regarding my concerns about SPSs handling of my escrow account for property taxes and insurance. I believe your response did not address the core issues I raised, specifically : Failure to Pay Property Taxes on Time SPS did not explain why it never paid my property taxes on time, even though an escrow account was established. I called SPS because the taxes were due, it was not an ommitted or revised tax bill. Tax escrow set up in XX/XX/year> so SPS receives all the tax bills. 

As you are aware, the loan documents clearly state that the servicer ( SPS ) bears the responsibility to pay taxes and insurance on schedule using the funds in the escrow account, this was never changed. 

Despite the clear contractual obligation, SPSs late payment resulted in a penalty of {$6.00}, which I was improperly charged.

Improper Late Penalty Charged to the Borrower Because SPS failed to make the tax payment before the due date, I received a late penalty. However, I should not be penalized for SPSs negligence, please refund me this amount because this was the assurance given to me during the phone call, please release your recorded calls to CFPB.

The monthly payments I have made to the escrow account included sufficient funds for timely tax and insurance payments, so the delay is solely SPSs responsibility.

Failure to Pay Insurance on Time SPS received the insurance bill from my insurance agency in a timely manner.

Nevertheless, SPS elected to mail a payment on XX/XX/XXXX, XXXX day before XXXX a bill due on XX/XX/XXXX ( which fell on a Sunday ). Given the proximity to the holiday and weekend, it was imprudent to send the payment by regular mail. This reflects a lack of care and/or negligence on the part of SPS.

Contractual Obligation to Pay on Schedule Regardless of whether this falls under RESPA guidelines, SPS has a clear contractual duty under the loan document to ensure that property taxes and insurance are paid punctually. 

By failing to meet its obligations, SPS has endangered my property by risking potential lapses in insurance coverage and incurring late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> LVNV Funding LLC Cease and Desist Request Disputing Inaccurate Debts and False Credit Reporting Dear Sir/Madam , I am writing to formally demand that LVNV Funding LLC cease all communication and collection efforts related to the alleged debt you are attempting to collect from me. The debt in question are as follows : XXXX XXXX XXXX in the amount of {$210.00} XXXX request that you immediately cease all attempts to collect these debts, as they do not belong to me. 

Moreover, I was not provided with an opportunity to dispute or request verification of the debts prior to your agency reporting them to the credit bureaus. This lack of proper validation and the reporting of these inaccurate debts to credit agencies has caused significant harm to my credit profile. As a result, I have been unable to secure necessary funding for essential home repairs, particularly during two national disasters, exacerbating the financial strain caused by your actions.

As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), you are obligated to provide me with a written notice of the debt that includes an itemized statement of the amount owed, as well as the creditor 's name and a request for verification. You have failed to provide this, and instead, have reported these alleged debts to the credit bureaus without giving me a chance to dispute or verify them, in violation of federal law.

Accordingly, I demand the following actions be taken immediately : Cease and desist all communication and collection activities related to these alleged debts.

Remove the inaccurate information regarding XXXX XXXX and XXXX XXXX XXXX from my credit reports with all credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Provide proof of validation for any debts you are attempting to collect, including a detailed account of how these debts were incurred and evidence that I am legally responsible for them. 

Provide written confirmation that the inaccurate information you reported to credit bureaus has been removed and corrected. 

Failure to comply with these requests will leave me with no choice but to pursue further actions, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal relief for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I expect your prompt attention to this matter. Please respond in writing within 15 days confirming that you have taken the necessary actions to correct these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
After my divorce the year of XXXX  I found out my XXXX  who knew on my information got phone credit lines credit cards and so much more under my name using my information so I did report this to fraud I showed them the proof and this account I received in the mail today they're wanting payments but it was already disputed and it was removed from my credit report so I don't understand why I'm receiving this again, the actions that I took was I reported him to fraud and to this company I showed them proof that he was using my identity and the amount that they're wanting is close to {$800.00} this was not me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I did not receive any notification or mail regarding their reappearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Also this account shows inaccurate information as it does not show on every bureau of my credit report only reporting to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i have contacted wisely/ ADP regarding a fraudulent on my card on XX/XX/XXXX i disputed 5 charges at {$400.00} each for {$2000.00} that was taken out my card without my authorization, they did their investigation and contacted me they found no error and they wouldn't credit me, i have requested them to reopen the case more than 2 times, they still didn't give me the credit for what i lost, they requested to get a police report as they requested with XXXX police department case XXXX XXXXXXXX then requested to re open the case again, again they didn't give my money back. i'm tired and in need for my hard money from doing taxi all day.

Company response to consumer: Closed with explanation