23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has an paid off collection account showing on my XXXX Credit report and this item has been previously paid off by my Doctors office. The item should have never been put into collections originally due to financial assistance programs I am on through the state. I myself have sent the paid invoices to XXXX XXXX XXXX and they agreed to remove the information from my credit reports with other bureaus, ( XXXX, XXXX  ) but the only report that still shows any collections owed months later are on my XXXX  credit report for 2 separate bills of {$110.00}. {$220.00} total! I really just want these 2 bills to be removed from ALL of my credit reports once since they have been PAID IN FULL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an FTC identity theft affidavit to this company because this account is not mine and Has never been mine. They continue to report this fraudulent account on my report.
Product: Mortgage

We are filing a complaint based on illegal representation of loan modification procedures and omissions of Nationstar Mortgage ( NSM ). 
After a long and heated battled in foreclosure court our family was finally awarded/granted a loan modification under the Making Home Affordable program ( MHA ). This modification outlined payments to start on XXXX XXXX, 2016. As my family was of course elated to finally have an opportunity to resume payments on our loan which had been delinquent for some time due to job loss. We promptly made our payment of {$700.00}, only to be rejected by NSM. 

When we made our inquiry with NSM, as to why the payment was returned, it was brought to our attention that a mistake had been made on the loan documents. A mistake which NSM, advised would need to be corrected before any payments could be accepted toward the new plan. It was stated that the plan did not contain my wife 's name XXXX XXXX and they needed to be reprinted. This negligence has led to further disarray and miscommunication between myself, NSM and the loan documentation department. 

Once the documents were finally corrected and resent to my family. I was then instructed to hold my payments until I was contacted and was not contacted until XXXX XXXX, 2016. At that point, I was instructed to complete an ( ACH ) draft payment from my personal checking account on the date of XXXX XXXX, 2016 in the amount of {$2100.00}, which would then bring the account current and finalize my permanent loan modification. 

After this payment was completed NSM, still refused to complete the loan modification and covert to permanent deal. I was then contacted and advised that by agent XXXX XXXX, that it was necessary to pay {$1400.00}, or my loan modification would be canceled. This act of extortion has gone too far and refuse to continue to be misled by NSM and their deceptive servicing and lending practices. In fact, XXXX XXXX advised that he is not positive that if this amount of {$1400.00} is paid there is no guarantee the deal will be made whole. 

Now NSM, is attempting to undermine the terms of the national mortgage settlement as well as the MHA program itself. They are intentionally forcing my loan back into a delinquent status and ultimate foreclosure. This is evident and has been identified on multiple levels. 

This crime need stop be brought to a halt, and our family is prepared to file a civil lawsuit in order to correct this matter immediately. We implore the CFPB to take action regarding this tragedy of events.
Product: Credit reporting or other personal consumer reports

I submitted a request for proof of debt on XX/XX/year>2024, but I have yet to receive any documentation verifying that the debt is mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have the right to request validation of this debt. Since no verification has been provided within the required timeframe, this debt should be removed from my credit report and should not be reported negatively.

Please confirm the removal of this debt in writing. Failure to comply may result in a formal dispute with the credit bureaus and further action to protect my rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I'm currently starting my small business so I decided to visit Bank of America on XX/XX/year> to open a small business account, credit card, and inquire information regarding a business loan because I want to finance a XXXX XXXX  that I will be using for my business. My partner and I ended up opening the small business account along with debit cards and then a credit card for the business and this was done with representative XXXX XXXX XXXX. Then, we inquire information regarding the business loan to finance a XXXX XXXX which is a XXXX XXXX and she told me that I did not qualify for it because the business had to be XXXX or more years old. However, she then proceeded in offering the personal loan and did seem persistent about it ; she provided the rates and everything looked good. I was interested in applying for a XXXX XXXX personal loan to finance my XXXX XXXX  so I did, then I received an email and was informed that I was approved for {$39000.00}. Then on XX/XX/year>, I received a call from the loan department and they asked me what kind of vehicle I was trying to finance and I told them that it was a XXXX  XXXX, which then they proceeded in telling me that I can not finance a XXXX XXXX on a personal loan. The representative NEVER told me that information, because if I had known that I was unable to finance a XXXX XXXX on a personal loan then I would of declined and it would had prevent the hard inquiry on my personal credit! I was provide misleading and misinformation by the representative who seemed very persistent in me applying for the personal loan. Then I received a call from her XXXX minutes later after the loan department had contacted me, she asked me what they said and I told her and she then told me that she was going to call me back which she never did. My partner who is signer on the business account emailed her regarding this matter and she never responded either.
Product: Debt collection

I am writing to file a formal complaint against ProCollect Inc., a debt collection agency, for multiple violations of fair debt collection practices and potential breaches of consumer rights. Despite my diligent efforts to address and resolve the issues directly with ProCollect, I have encountered numerous challenges that necessitate your intervention.

The debt in question, amounting to {$6200.00}, is alleged to be owed to XXXX XXXX XXXX. However, after thorough investigation, I have found that XXXX XXXX XXXX  has no record of my association with them. This discrepancy raises significant doubts about the accuracy and legitimacy of the debt being pursued by ProCollect Inc. 

Furthermore, my attempts to obtain essential information regarding the debt, including the account number and a comprehensive itemization of the current amount owed, have been consistently rebuffed by ProCollect Inc. This lack of transparency impedes my ability to verify the validity of the debt and raises concerns about the company 's compliance with fair debt collection practices. 

In addition to these issues, my interactions with ProCollect Inc. have been marred by unprofessional and intimidating behavior. I have been hung up on during calls on five separate occasions, and I have been subjected to threatening and profane language. Such conduct not only violates ethical standards but also raises questions about ProCollect Inc. 's adherence to legal guidelines governing debt collection.

Moreover, I have become aware of ProCollect Inc. 's notably low XXXX rating, suggesting a potential pattern of questionable practices. There are also allegations of " parked debt, '' a practice that could violate consumer protection laws. These factors underscore the urgency of investigating ProCollect Inc. 's activities and ensuring compliance with relevant regulations.

I am seeking the following actions through this complaint : Removal of erroneous information on my credit profile associated with this alleged debt.

Take appropriate measures to ensure ProCollect Inc. adheres to fair debt collection practices and consumer protection laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to bring about a fair and just resolution.
Product: Debt collection

My daughter had an existing balance of {$2200.00} after her freshman year of college at XXXX College. We had everybody intention of paying the balance prior to her returning for summer session, however the financial sent the outstanding amount to credit collection company. We never received any information from the school that they were sending the outstanding balance to collection and are n't disputing that we owe the money and will/want to make arrangements to make the payments. My issue is we contacted the collection company to make payments arrangements and they 're charging us a fee of {$1100.00} for the account going to collections. I find this fee to be absurd and quite honestly its borderline criminal extortion! We have ZERO issues paying the balance owed but a 50-60 % fee charge has to be illegal. I spoke with the collections company management and attempted to resolve the situation and make payment arrangements however they refused to work with us, saying their fees are what they are and we 'll have to pay them the {$1100.00} extra in order to get the collection ls account settled. Any information or assurance would be greatly appreciated..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00},
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/year> FEDCHEX RECOVERY LLC XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX
Product: Consumer Loan

We turned our vehicle in on XXXX XXXX, 2016 well before the month end date of XXXX XXXX and yet US BANK says the vehicle was n't " grounded '' until XXXX XXXX. They are trying to charge us for an additional month 's Lease that we did possess the car. 
It should be noted that this situation has been going on since XXXX of 2016 with me calling US BANK each and every time they sent us a statement. They are so incompetent that the representatives had no clue as to what was going on ... they would say we were missing documents and at other times saying we did n't pay the mileage fee ... 

These people were the worst to deal with and each and every person I spoke with said the same thing about US BANK as being a terrible company.
Product: Credit card or prepaid card

XX/XX/XXXX : Round trip airline ( XXXX ) ticket purchase using Comenity Bank-issued credit card ( {$480.00} ) XX/XX/XXXX : Notification of outbound flight cancellation ; XX/XX/XXXX : Notification of inbound flight cancellation XX/XX/XXXX through XX/XX/XXXX : Multiple calls to airline requesting refund ( refused ), including attempts to escalate to supervisor. Ultimately told to contact complaint department in writing. 
XX/XX/XXXX : Email to complaint department of XXXX XX/XX/XXXX : Written denial of refund request made to XXXX XX/XX/XXXX : My reply to XXXX insisting on refund ; response by XXXX denying request again. 
XX/XX/XXXX : First attempt to contact Comenity to dispute charge. Taken verbally by agent. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Calls to Comenity related to dispute, including several attempts to obtain reconsideration of denials ; additional online submission of dispute with relevant documentation. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letters of acknowledgement of receipt of dispute, denials of my original dispute and my subsequent submissions requesting reconsideration. Letters include comments suggesting that Comenity did not review any of my submitted proof and make any contact with the airline.
Product: Credit reporting or other personal consumer reports

There is unknown addresses on my credit report that I believe is fraudulent. I have filed a police report against that address with the federal trade commission FTC Report Number : XXXX in XXXX and XXXX XXXX PD on XXXX tracking number is XXXX. 
This is my second time reaching out to Experian concerning the matter. Ive recently mailed another request to remove along with my identification Unknown address is XXXX XXXX  XXXX XXXX XXXX  Ca, XXXX
Product: Checking or savings account

I opened a business checking account with Truist using the promotion code : XXXX. Now that I have fulfilled the terms of the promotion, Truist is claiming I did not have the promotion applied to my account. I even went in-branch to set up my online banking and they said it looked okay, then when I tried to login later they had apparently done it incorrectly. I had to get new online banking information set up for me over the phone later that day.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation.

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an ongoing issue with a medical debt that has been inaccurately reported on my credit report. This matter involves [ XXXX. ] and subsequent collection agencies { XXXX XXXX & XXXX XXXX XXXX }. 

Here is a summary of the situation : 1. Paid Debt : This medical bill was covered and paid through my insurance. 

2. Debt Removal : After contacting the previous collection agency, they removed the debt from my credit report, acknowledging the error ( XXXX XXXX XXXX ). 

3. Debt Resold : Despite this resolution, the debt was sold to another collection agency ( XXXX XXXX ) and has since been re-reported on my credit report, causing unnecessary distress and potentially damaging my credit standing. 

I have made every effort to resolve this directly with the collection agencies involved but have been unable to reach a satisfactory resolution. I am requesting CFPB 's assistance in addressing the following : - ) Ensuring this debt is permanently removed from my credit report. 

- ) Preventing any future sale or reporting of this invalid debt. 

- ) Investigating the practices of the collection agencies involved to ensure compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter are copies of relevant documents, including : - ) Correspondence with the previous collection agency confirming the debts removal. 
- ) Current credit report showing the re-reported debt. 

I kindly ask for your prompt attention to this matter to ensure that it is resolved fairly and permanently. 

Thank you for your assistance.
Product: Checking or savings account

I filed a fraud claim and provided all documentation including my correspondence between me and the website that drained my account. I have never done business with this company but somehow they drained XXXX of my banks accounts. I have resolved with my bank but nfcu is refusing to help me with my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX