23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield contacted me on numerous occasions after I advised them the debt they are contacting me about is not valid. I also advised them I have spoke to the company regarding that debt numerous times and it is a bill that I am not responsible for. I explained to a number of customer service agents that I am currently having health issues and please do not contact me anymore regarding that account. Not only are they calling me numerous times I received a call from a family member on Friday ; XX/XX/2020 stating Hunter Warfield called them looking for me. I have no idea how they were able to access her contact information to try to reach me. 
I want the phone calls to stop because they are starting to harass me and due to my current health conditions I am not in an emotional state to deal with this. I am not responsible for this debt and I have explained this to them many many times. I want them to cease the phone calls and emails to me and my family members.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$5100.00} Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian report.
Product: Mortgage

My husband lost his job in XXXX 2013. I called RCS that night and explained the situation. They told me they could n't help me until I fell XXXX months behind. Unfortunately we did fall that far behind. I started the making home affordable paperwork. I handed all info into them and every week they state they are missing page XXXX of XXXX or they cant read the bottom of page XXXX. I keep faxing every week. I call them on Monday and fax what they need the next day. By Friday they tell me they need more papers. We met at mediation and their lawyer signed off saying they have all paperwork. XXXX weeks later I called to hear them ask for more documents. its been XXXX yrs plus and still nothing.
Product: Payday loan, title loan, or personal loan

I received a very threatening email from Ace Cash Express about a loan that I have no recollection of receiving. I can't supply dates or other information because I do not have them but they have my personal information. I am attaching said letter for reference.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

PNC BANK, I received an escrow account disclosure statement indicating my escrow account is short {$7500.00}, comprised of XXXX that it was permitted to run short in XXXX w/out notice to us. This added to the {$3300.00} anticipated shortage in the coming year for XXXX makes up the total shortage amount. This is increasing our payment 66 % of its prior monthly payment amount. This is a big impact to our ability to repay our mortgage especially since my husband is going XXXX XXXX XX/XX/XXXX which will further reduce our monthly income. I do not feel PNC properly assessed the real estate tax figure needed last year when performing the escrow analysis at that time, it appears they were using the land assessed taxes only and not basing it on the actual assessed value after construction completion and the sale. I am dissapointed the account was able to go {$4200.00} negative w/out any notification to me as a consumer. Why are these not treated like a debt collection immediately and the consumer notified timely. My biggest question to the CFPB is why is there no notification to consumers when the escrow account begins to go negative by the lender, why is it allowed to go so far into the hole and we are expected to catch it up w/ in 12mo in addition to the resulting increase for the existing 12mo. I feel this is a fatal flaw that needs resolved immediately for consumers.
Product: Credit reporting or other personal consumer reports

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXI Account Number:XXXX  I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX : {$5000.00}
Product: Prepaid card

I got gifted a gift card from American Express and I cant use it anywhere. I tried to call/email American Express themselves and they say it should work and that I need to call the business that Im trying to purchase with to get them to help. Dont waste your time and have your money useless, DO NOT BUY AmEx gift cards.
Product: Credit reporting or other personal consumer reports

ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$2400.00}
Product: Debt collection

Collection was paid to XXXX. I disputes on XXXX and still listed as open and no remarks about it being paid.
Product: Credit card

Currently on a landline and cell phone calling BBVA Compass. I 've already been on hold for over XXXX minutes and counting. It appears that this bank does not want to answer my question/concerns. I 'm currently out of footprint, and would have to drive XXXX hours to get my credit card issue handled. I 've used the call back option before, but the problem is they call back and give no information why they are calling back. How do I know this is n't XXXX of the many telemarketing callers I get. So when you do answer, it 's typically hours later while you 're doing something else and not thinking about the issue. Good luck trying to get a live person on the line. It is because of this that I rather wait to get my issue resolved. Very frustrating, and it comes across that the bank does n't want to take customer calls.
Product: Credit card

Canceled my American Express platinum card after they charged the annual fee. Requested that the card/account be canceled shortly after the renewal and they refused to refund the prorated annual fee back to me.
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S.

Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 've attached my Drivers License along with utility bill, and SS card for verification. Anticipating positive results on your behalf. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The address on my credit report is not correct XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I never stayed at this address before I'm a victim of identity theft
Product: Debt collection

Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, and XXXX about a collection on my account that the agency XXXX  XXXX  deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting

My husband and I went to a couple car lots and told them to only run my credit with XXXX credit with XXXX creditors only. They ran it through XXXX. I DID NOT authorize that.
Product: Credit reporting or other personal consumer reports

These credit companies took money then returned it and said I didnt have the funds when I did and reported late payments on my account A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}
Product: Mortgage

In XXXX of XXXX I received a bill and escrow statement showing a shortage of roughly {$3500.00} in my escrow account, the payment for XXXX was {$2300.00} and the new payment for XX/XX/XXXX ( and moving forward ) was roughly {$3000.00}. My payment for XXXX was automatically withdrawn from my account and paid on XX/XX/XXXX and I called Loancare on roughly XX/XX/XXXX. Since this was a large increase I called Loancare, the company my mortgage is with to make sure the information was correct. It was. The individual at loancare suggested that I could lower the new monthly payment by asking for an extension over 2 to 3 years. I said that's a great idea and requested 3 years, he said someone would reach out to me in 3-5 business days. I never received a call so I checked the account online after 5 business days, and it had given me a late fee of {$60.00}. I called Loancare for explanation and after a long conversation realized that the new escrow amount was put into effect on XXXX which backdated, so it showed my payment was short- which it wasn't. I explained the situation and was told the problem would be rectified in 3-5 business days but that the late fee would be removed, I asked if their error would affect my credit and they said no and in fact put something on the account to say the credit should not be altered while this was figured out. Come to find that it did hit my credit and shows up as a XXXX point deduction and I discovered such on XX/XX/XXXX. After 5 business days no one reached out, so I contacted Loancare again and they continued to do escrow analysis ' and not change the date of the first payment, I once again asked about credit and they assured me it would not cause any problems. Over the next few weeks I continued to have the same problems calling in a total of 8 times between XXXX XXXX and XX/XX/XXXX. Twice I was told I would be called back and I never was. Come to find on XX/XX/XXXX, after receiving letters of default, they also pinged my credit for XXXX additional points ( XXXX total ) although I continue to be told by them that nothing will happen to my credit. No one has helped, I keep being told 3-5 days or 24 hours before a call will be returned and it never is. 


With a default on my credit I won't be able to borrow money or do a HELOC which I had planned, they are affecting my current and future buying power and the company does not deserve to operate with such poor consumer service and gross negligence. Please Help!
Product: Money transfer, virtual currency, or money service

I am writing to express my concern about Zelles handling of disputes, especially in light of the CFPB lawsuit highlighting systemic issues with the platform. Despite reporting discrepancies in my Zelle transactions, both Zelle and my financial institution failed to adequately investigate my claims, stating that recovering funds was impossible and tracking transactions was unfeasible.

The CFPBs findings reveal a troubling pattern of negligence, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable.
Product: Credit card or prepaid card

****DO NOT CLOSE THIS COMPLAINT****THIS COMPLAINT CONTAINS NEW INFORMATION*** American Express has closed my account ending in XXXX and has a lawyer attempting to collect a debt. Invasion of my privacy under the Privacy Act of 1974. American Express sent my nonpublic private information to XXXX XXXX XXXX, XXXX. and now they are acting as a debt collector. American Express also closed my account without my authorized permission.
Product: Credit reporting 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. 



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 inructions 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. 

These are the inquiries which should be off from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter explains the problems that I am having with the 3 major Credit Bureaus, XXXX, XXXX, and Experian. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.
Product: Debt collection

This is a follow-up for cfpb complaint XXXX All you sent is a document that literally says, " THIS IS NOT A BILL '' ( last page top right ). Furthermore, a bill is not proof of debt. You'll need to provide proof that services have actually been rendered. 

Your time is running out!