23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text on my personal cell phone on thursday, XX/XX/2019, saying word for word : " Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative. '' I received calls from MRS on XX/XX/2019 at ( XXXX ) XXXX and on XX/XX/2019 at XXXX ( XXXX ) XXXX. I will not pick up or respond to these calls or texts. My XXXX  account was closed on XX/XX/2019, which is only possible to do when the balance is {$0.00}. 

I have moved from the address the account was linked to ( remember, the account is now closed - and had no balance left when I closed it ) and have received no mail or e-mail regarding the supposed " debt '', which makes the attempted collection illegal. They are giving me no details of the debt and I will not respond to their texts or phone calls. MRS Assoc. should be fined and put out of commission. They need to stop harassing me for debt I do not owe and this should NOT show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
Product: Debt collection

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX and both Transunion and XXXX  came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothTransunion and XXXX  did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. 

I gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. 

Basis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original ( primary lease/account holder ). 

We paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies XXXX, XXXX  and TransUnion ) Date first reported XX/XX/XXXX ( XXXX, XXXX   and TransUnion ) is incorrect. 

Copies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. 

Unauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. 

Scribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a " collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely
Product: Money transfer, virtual currency, or money service

XX/XX/2021 a domestic wire transfer was sent out of my account unauthorized for the amount of {$7000.00}. Leave me with about {$50.00}. I quickly called and closed the account went into the nearest branch to open a new one. XX/XX/XXXX I sent in a notarized affidavit stating I did not do the wire transfer and I did not authorize anyone else to do so. 

XX/XX/2021 I filed a police report with the XXXX Police Department. 

I called XXXX weekly to check on the case and XX/XX/XXXX I was told that I had redo the affidavit because they lost the original one. 

I was also told that the department is 30 days behind and they dont know when I will get my money back.
Product: Credit card

I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and realized I had damages to my credit report. According to the 15 U.S.C 1681 law, there should NOT be any damages to my credit report. it is a defamation to my character.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XX/XX/XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name :XX/XX/XXXX Account Number : XXXX
Product: Debt collection

AR resources has been calling using automated services asking for me by my previous married name which I havent been since XXXX. I have told them to stop calling me because they wont give me proof of debt or anything even though they said they mailed stuff. I asked them to stop contacting me and they are calling me all hours of the night and the lady this morning told me to just pay my debts and they wouldnt have to deal with me! I dont owe anything! They WONT STOP CALLING!
Product: Checking or savings account

Im filling a complain against navy federal regarding multiple overdraft fees i incurred. Though i had sufficient funding when transactions were authorized, i was charged fees due to delayed posting of charges and credits. I believe these practices are unfair as the issue aligns with recent CFPB findings and i request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
I submitted my first complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate.
Product: Debt collection

On XX/XX/XXXX, Midwest recovery placed a payday loan on my account for XXXXdollars. It was from XXXX XXXX. Stated the debt from XXXX and will go away in XX/XX/XXXX. This is a fraudulent account, I did not apply for a payday loan and all of there information about myself is from a previous account, they had my current information from. This account I paid them but they kept taking money from my account and I contacted the XXXX. The other account was deleted from my report, the next day XXXX XXXX a payday loan was on my credit report. This company is changing dates and adding Information to collect money. Now I'm afraid my information is gone to be added to numerous accounts they have for other people. I have not applied for XXXX XXXX in XXXX, and When I tried contacting XXXX they had no record of the account either. Told me they might of changed the person and dates but nothing they can do. MIDWEST is trying to scam me out of my money. It's quite odd the XXXX made them delete a account I was paying on. This is why they had my information. I gave them my personal information cause of a previous account. But they kept trying to collect money, and add more money to a debt after the debt was paid. This is how they had my current address and phone number. Then the next day the company put a fraud account was placed on my credit. This company needs to be stopped. I dont want them to keep adding accounts to my credit. And this keeps happening, since they have my information on file. They want to collect on a account that is not mine. You can see in XXXX I did not apply for any payday loans. New Jerseyis one of those sixteen states in the United States of America that have completely banned payday lending. As per New Jersey payday loan laws, it is a criminal offence for lenders to offer extremely high rate short term cash advances to the residents of this state.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX 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. These accounts [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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. Check the attachments below.
Product: Credit reporting

I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.
Product: Credit card or prepaid card

Citibank opened a credit card branded through Best Buy. The card was in good standing, payments were on time, and in XXXX, I paid it down to zero. Without notice or reason, they closed my account, causing significant damage to my rising credit score. This has damaged our road to getting a mortgage. 

It is unreasonable to close the account without warning causing embarrassment during n attempt to make a purchase. This behavior needs to be addressed.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX - XXXX and XXXXXXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, XXXX stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through XXXX an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to XXXX regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXXXXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.
Product: Credit reporting or other personal consumer reports

My federal consumer rights are being violated, This is my formal request for the deletion of the alleged outstanding debt referenced by your agency in accordance with the HR5180 amendment, section 101, paragraph 3 Amendment of the Fair Credit Reporting Act, which reduces the time period that most adverse credit information stays on consumer reports from XXXX  years to XXXX years. 

Please find the details of the debts in question : XXXX XXXX  XXXX XXXX - Alleged Amount Owed : {$5400.00} - Date of Debt : XX/XX/XXXX XXXX XXXX  XXXX - Alleged Amount Owed : {$1700.00} - Date of Debt : XX/XX/XXXX Both of these negative alleged debts are greater than XXXX years and therefore are considered inaccurate and according to USC Title 15, Section 1681s-2, creditors and credit reporting agencies have an obligation to accurately report information on consumer 's credit reports. Any continual violation of reporting inaccurate information will result in possible remedy and legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

I believe XXXX of XXXX  someone took XXXX from my cash app account I reached out to cash app for several months they refused to assist me and ended up closing my cash app
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Outdated Negative Information Under FCRA Guidelines Dear Sir or Madam, Upon a recent review of my credit report, I have identified an inaccuracy that is impacting my financial health and is in violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the duration of negative information on consumer reports as outlined in Sections 605 ( a ) and 623. This concerns a charge-off by XXXX XXXX XXXX for an account that was closed on XXXX XXXX XXXX 

Account Information : Creditor : XXXX XXXX XXXX Account Number Ending In : Please Review Attached Documents Charge-Off Date/Date Closed : XX/XX/ The presence of this charge-off on my credit report beyond the seven-year limit mandated by FCRA 605 ( a ) has unjustly affected my credit standing. This outdated information inaccurately reflects my current financial health and legal compliance regarding credit reporting standards.

Action Required : 1. Investigation : In accordance with FCRA 623 ( b ), I request a comprehensive investigation into this matter to verify the outdated nature of the reported charge-off.

2. Removal of Outdated Information : I expect the removal of this charge-off from my credit report promptly, aligning with the requirements of FCRA 605 ( a ), which limits the reporting of negative information to seven years from the date of initial delinquency.

3. Confirmation of Action : Please provide written confirmation of the investigation outcome and the removal of the charge-off, as per my rights under FCRA 611 ( a ).

Please note that the recent review of my credit report that revealed this discrepancy was initiated by me and does not reflect any recent update provided by XXXX XXXX XXXX. 

Attached Documentation : 1. Documentation confirming the charge-off date by XXXX XXXX XXXX XXXX 

2. Copies of my credit reports indicating the presence of the outdated charge-off.

I trust that you will address this issue promptly and ensure compliance with FCRA standards. Failure to rectify this error within the statutory 30-day response period may necessitate further actions on my part, including seeking assistance from the Consumer Financial Protection Bureau XXXX CFPB ) and legal advice to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report and uphold the integrity of credit reporting standards. 

Sincerely,
Product: Student loan

I just called ( XX/XX/19 ) HESAA to inform that I am unable to pay the $ XXXX/month on my loan of {$19000.00} due to me paying other student loans, mortgage payments and other bills. The representative stated she can not change the payment arrangement. Once a payment arrangement is calculated and sent to the consumer no changes can be made. I then asked to speak to a manager and she stated no one was available for me to speak with. This is unacceptable. My loan should be at least reviewed for a lower payment arrangement or a calculation of my income with bills should at least be considered. The way this was handled was unprofessional. I want to pay but can not. if needed I will send {$50.00} just to have something on record each month that I am trying to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection/ XXXX XXXXXXXX XX/XX/22 Paid debit, Settled to remove. Inaccurate reporting on my account has not removed from all three Bureaus. Comments were also left on all three Bureaus that account info was disputed by me and I met FCRA Requirements.
Product: Payday loan, title loan, personal loan, or advance loan

Heights Finance is states Ive borrowed and received monies from them. They also state that Ive made on time payments in XXXX & XXXX of 2023. Id like to see proof of these payments. Id like anything from a receipt or transaction statement with this information.