23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.Credit Score:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter to Tranunion, XXXX and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from Transunion saying they will not investigate my disputes.
Product: Debt collection

Synter Resource Group XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX x XXXX These people call us on cell and home phone at least 5 times a day. XXXX has hired them to contact accounts that are in arrears. I've spoken to XXXX regarding this matter and referred them to my XXXX Platinum card on file with them so the invoices are always paid in full. Apparently, this is not working. 
These tactics don't work in the business community. We will be using XXXX from now on. 

XXXX XXXX-CEO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Re : Formal Complaint Against McCarthy, Burgess , & Wolff Inc. for Violation of Consumer Protection Laws Dear Sir/Madam, McCarthy, Burgess, & Wolff Inc. accused me of owing an alleged debt that is not even mine that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as McCarthy , Burgess , & Wolff Inc. never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 

So then I wrote McCarthy, Burgess, & Wolff Inc. and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against McCarthy, Burgess , & Wolff Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that McCarthy, Burgess , & Wolff Inc. communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that McCarthy, Burgess , & Wolff Inc. communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).
Product: Mortgage

There and underground as tagged criminal & corruption toward me veteran, and federal medical retirees and disable citizen, veteran. The company involved well known as unfair, favorable to me, etc. Claim to sold or stolen my home out of the hands of navy Federal Credit Union and title switched all unconsented for blind side and overthrow both me and the government, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, from my discovered there XXXX issue quick family it goes by the name XXXX XXXX both male and female and some children involved I'm making monthly payments on my home they sent me some documents saying it was sold and wanted to give me a token and not pay me for the property value he has a total value of {$210000.00} and they want to send me a company mug and said the home is paid off and I'm still making payments now that I get my investment out of it it appears as either white or XXXX XXXX crime towards me the XXXXXXXX male XXXXXXXX XXXX XXXX who refused to associate and have company and such a manner without information. The apartment upon your investigation I need to know the findings so I can assign a lawyer for corrective action and criminal prosecution seeking mandated and reimbursement for aggravating and harassment all over Immortals practice only at me to include wrongful Labor practice with the intent to profit off my merits and hard works earnings, their retaliation and reprisal Prejudice discrimination towards me because I handle my own business and make my judgment reduce the lack of information it was hidden the company and their family Network you've said company belittle me of my status as a XXXX citizen and a XXXX of the land of the law it appears they're looking for a movie in ready living free I refuse to roll forward on such illegal activities practice and rehearsal from that company and family the information has been blocked from the screen or the XXXX XXXX I'm here to help and assist for conviction and relief retro my address is as follows, XXXX XXXX XXXX XXXX XXXX Texas XXXX, and I am living remotely out of my vehicle because of their XXXX business help me on the flea ... I can be reachable at XXXX or e.mail both of the two.. 
Bills of rights involved violations out intents for harm and discomfort.. I look forward for a verbal feedback as soon as possible. 
XXXX XXXX XXXXXXXX,
Product: Credit reporting or other personal consumer reports

TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ).

You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between Equifax, XXXXXXXX XXXX XXXX. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : 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 the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS 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: Vehicle loan or lease

During this loan, Chase agreed to change my payment due dates from the XXXX of every month to the XXXX. In XXXX my car was deemed a total loss, I contacted my auto insurance & they made a payment towards the car in XXXX. Since the payment didnt come out my pocket Chase said it was late. The balance still showed about XXXX in XXXX. I contacted my gap insurance to pay the remaining balance & they did as so. However the payment was sent in XXXX claimed to be received in XXXX & supposedly not the full amount. I still was somehow left with a balance. Chase told me I had to make those payments so since I didnt theyre considered late & deliquent when thats not true. I also seen the balance carried over to XXXX when the account shouldve be paid in full & completed perfectly in XXXX.
Product: Debt collection

XXXX XXXX is listed as a petitioner for the XXXX AS TRUSTEE SURF XXXX XXXX in a order for foreclosure of my property at sale for XXXX XXXX. ADDITIONALLY I SEE NOTHING LINKING XXXX TO XXXX AS A DEBT COLLECTOR. 

XXXX XXXX is a employee of a debt collector firm and is not associated with XXXX or XXXX. 

THE DEBT WAS disputed in XXXX. Servicing transfers give XXXX no right to pursue foreclosure. XXXX never reported this alleged loan to its shareholders for 8 years until XXXX sued me. 
XXXX is pursuing foreclosure for XXXX AS TRUSTEE of SURF XXXX XXXX,. there are several very illegal issues here and I face losing my homestead due to the lack of consumer protection in the non judicial foreclosure process in XXXX county. THE deed of trust is void due to the failure .assignment into a securitization trust occurred after the trust 's closing date so any subsequent alleged transfers were void and done to harass me and to try to perfect something that did not exist. 

FIRST - The debt was discharged in XXXX and XXXX - then a " servicer '' was granted relief from BK and in their petition attached there i no record of XXXX at all because it did not exist. the assignment recorded in XXXX may pass texas law for late file claim but it was done to fraud the court. It did not exist in a prior XXXX copy of note received in XXXX. 

THIS is discharged debt and void deed. The failure to take action through XXXX servicing transfers and 9 yrs is an extreme abuse as none of the servicers could provide a payment history of any kind. 

Back when XXXX had " servicing right they acknowledged there were no records from XXXX on any payments yet could not explain any change in loan amount of principal to the amount they claimed. 

the SEC cutoff date for submission to the trust was XXXX XXXX. NOW 10 years later a debt buyer is attempting to associate himself with a valid claim and has violated FDCPA rules against attempting to collerct a debt from me with dozens of statements claiming I owe past due payments. By failing to provide proof of claim. by executing a fraud assignment with XXXX XXXX XXXX when neither was a party to any alleged note and by continued property inspections of the home i live in for 20 years. 

They have reported to credit agencies a deficiency when none exists.
Product: Credit reporting or other personal consumer reports

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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX. 
Balance : {$6900.00}, XXXX. Balance : {$6300.00}, XXXX XXXX. Balance : {$1800.00}, XXXX XXXX. Balance : {$1000.00}, XXXX XXXX CT TX XXXX XXXX. Reported Date : XX/XX/year>, XXXX XXXX. Balance : {$670.00}, XXXX XXXX. Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX : {$19000.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$5800.00}, XXXX. Balance : {$1500.00}, XXXX XXXXXXXX XXXX. Balance : {$7600.00}, XXXX XXXX. Balance : {$4500.00}, XXXX XXXX. Balance : {$1000.00}, XXXX XXXX. Balance : {$9100.00}, XXXX XXXX. Balance : {$1900.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that has brought critical issues with the platform to light. Despite being a frequent Zelle user and reporting transaction discrepancies, both Zelle and my financial institution failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. The findings from the CFPB reveal that Zelle has not only failed to provide adequate consumer protection but has also allowed repeat offenders to exploit vulnerabilities in the system, leaving users exposed to fraud and scams.
Product: Debt collection

Dynamic Recocery Solutions started contacting me during the national pandemic to collect a 16 year old debt from XXXX  XXXX XXXX.
Product: Mortgage

We have made the following monthly mortgage payments which have been processed through our bank account ( we have copies of our bank statements ) : XX/XX/XXXX - to XXXX XXXX ( prior servicing company ) for {$910.00} XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00} ( Note : XXXX XXXX sent the XX/XX/XXXX payment to Nationstar dba Mr. Cooper so Nationstar received XXXX payments in XXXX. We requested a refund of one of those payments via secure message to them ). 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
Total monthly payments made since XX/XX/XXXX : 5 payments. 

On XX/XX/XXXX, Mr. Cooper sent a letter indicating that they had sent Check # XXXX payable to XXXX XXXX XXXX for {$910.00}. The letter also mentioned that they sent a reissue check ( Check # XXXX ) on XX/XX/XXXX which they stopped payment on. We subsequently received the first check ( Check # XXXX ) and proceeded to deposit it in the bank account. This was the refund of the XXXX payments for XXXX. After we deposited the check, Mr. Cooper did a chargeback for {$910.00}, never notifying us that this check was not a good check. 

We have called numerous times, spoken with several different members of their executive resolution team and their explanation remains confusing because their processing shows a series of reversals and unapplied funds ( only on their books ) because we have not received any credit on our bank account for the {$910.00} still missing. Bottom line, there should have been 4 payments from XXXX to XXXX and we made 5, so one is supposed to be refunded back to us immediately. We've been dealing with this issue since XXXX and frankly after 25 calls and messages, I need help in getting our money back for the double payment we made in XXXX. They lie, try to confuse the consumer with all of their accounting jargon and WE NEED HELP GETTING OUR MONEY BACK!
Product: Payday loan, title loan, or personal loan

The debt collector for Rise has contacted my ex husband on several occasions inquiring my whereabouts and how they were going too send someone out to my residence too pock me up. I have not stayed with my ex husband for over 12 years and they tell him all the details concerning the loan such as the company it was borrowed from and the amount that was borrowed. He has told him on numerous occasions to stop calling him concerning me. His name is nowhere on the account and I dont appreciate them contacting him about my finances. The name of the collection is XXXX XXXX.
Product: Vehicle loan or lease

XXXX $ in car loan debt that I have not authorized anyone to do so.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent information appearing on my credit report. I am a victim of identity theft stemming from a data breach, and the following account was fraudulently opened in my name without my authorization : Account Name : XXXX XXXX Account Number ( Partial ) : XXXX o Date Opened : XX/XX/year> o Account Balance : {$99.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to verify why inquiries that I sent letters about has not been removed they said I need to resend the letters again.
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely XXXX me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint # XXXX In the original complaint I asked for one thing : Remove or explain an incorrect address. 

The response I received : " In your correspondence, you advised us that we are reporting an incorrect address to the credit reporting agencies. Unfortunately, I can not substantiate this claim. '' So where did the address come from, and why couldn't it be removed? 

If there was no supporting documentation to substantiate the address, wouldn't an easy fix to be remove it? Instead of hours of time and $ $ spent by Barclay, their fraud department, XXXX XXXX, CFPB, and myself ( although I'm not on the clock and getting paid for this exercise in futility ), the address was never substantiated. 

When did I question the validity of the account? That was thoroughly researched but was never questioned to my knowledge. The false statements or downright lies on behalf of Barclay by your representatives provided in the original complaint were just fyi. In case anyone cared how the employees talk to ( current, former, or future ) customers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted an online dispute with Transunion regarding XXXX XXXX card service charge off-collection stating that I have a victim of identity. I attached the following : FTC ID THEFT Report, XXXX XXXX form and Division of Taxation notification ( Ref # XXXX ) to Transunion. 

Between XX/XX/XXXX, XXXX XX/XX/XXXX, the major credit reporting agencies ( CRAs ) responded. Transunion denied to block the information from being reported. Transunion wrongfully assumed misrepresentation, error or receiving goods for completing the transaction. 

XX/XX/XXXX @ XXXX XXXX  ) I visited XXXX Police Department XXXX XXXX Precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. 

So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX XXXX  ) credit dispute resolution center and spoke with XXXX XXXX who confirmed that there was identity theft note in my file. I requested documents then I was transferred to XXXX. XXXX did not have the right address. So I updated my address on file first. Next, XXXX stated XXXX XXXX XXXX XXXX not have transaction records anymore ; records were sent to the Attorney. I Called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX XXXX I never received the documents. 

The creditor grantor ( XXXX XXXX ) does not have the original records and Transunion did not verify methods of investigation. 

I, XXXX XXXX XXXX XXXX am a natural human being and I have autonomously typed this complaint.
Product: Debt collection

XXXX XXXX threatened he would seize food stamps that me and my sons receive to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of XXXX I applied for a credit card loan through a used car XXXX XXXX XXXX XXXX XXXX ''. I approved the company to pull my credit report XXXX time yet I had XXXX hard inquiries pulled within the same few days by the XXXX. When I complained they said that all XXXX would be reported and affect my score as if only XXXX was pulled. Now, many months later when I am looking into buying my first house, the XXXX XXXX XXXX are still affecting my score. Please advise on how to reduce these XXXX back to XXXX. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

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  Thank you greatly, XXXX
Product: Checking or savings account

Union Bank closed my account without any advance notice or opportunity to remedy any problem with my account that will cause the account to be closed.
Product: Debt collection

I called Coast to Coast and asked them about this account. I also disputed it with the credit bureau ; it keeps coming back as verified. Upon speaking with them, the dates of the account did not add up, as well. I asked for validation, something to be mailed to my home so I could overlook it, and all I was told by a manager was to log on and pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.