23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern i initially tried to contact XXXX XXXX XXXX about my debt but i saw that my file had been given to a company called Rausch sturm llp. I called them on XX/XX/2024 when i called they could not locate my file and told me to call back in a few days i followed up with them for a week and kept getting the same message until i finally called one day and they told me my account was locked because they hadn't sent out the letter stating that they owed my debt and said i can check on that for the following few weeks I've called multiple times asking to settle my debt and one time started negotiating with me and i offered them XXXX to close the account and they said it didn't get approved or denied and that they would call me back in a day or two with the result and if it was approved that i would have to pay by the months end which i agreed to. they never called back and in my own follow up they told me they couldn't do anything settlement wise because they hadn't sent the letter yet. I just wanted to figure out why its been taking so long almost a month after our first contact to receive the letter that they have my debt. I called today XX/XX/2024 and was yet again told they could not access it but I was told they acquired a massive amount of client files from another company and was told that its taking along time to get thru them. he did ask if it specifically has been about 30 days since first contact which has led me to believe something was going on given how specific the day count was. I am in the final stages of getting a mortgage and the one hang up is this debt that this company has strung me along with. from the very first phone call I've asked to settle and have been denied. the fact it is taking this long to just send me a letter is causing me great mental anguish and harm not to mention wasting my time calling them of which i have done 17 times between XX/XX/XXXX and todays date XX/XX/XXXX.
Product: Credit card or prepaid card

Hi, I had a wells fargo cash card since XX/XX/2022. I had about XXXX spend on it so far and XXXX dollars in cash rewards. When I set up the account had my penfed savings account set up as a payment account. Since then I had opened a checking account with penfed. 
When I made a payment didn't realize it was my savings account instead of check, with funds in checking account and payment got returned as insufficient funds. I didn't see the payment go through from penfed, so transferred the money to my chase checking account and paid it. I got a letter few days later saying my account is closed because of this. All my rewards points were lost as well. 

There was no communication about returned payments and no warning about closing account, so I could redeem the points. When I called, customer rep told me, Wells fargo was unable to contact me, so they just closed the account! There was no letter, phone call, email etc ... All I got from Wells Fargo was a letter saying my account is closed. Least wells fargo can do is redeem my points and send check before closing the account, or freeze the credit account, so I could redeem the points before closure. It's like basically stealing my money, XXXX XXXX So disappointed with the bank. Is there anything that can be done to improve banking communication and customer service, so this doesn't happen to anyone else again. Thank you so much.
Product: Debt collection

To whom it may concern, I had some medical bills in the past. Which were all resolved between myself and the hospital. For some reason XXXX XXXX keeps coming after me for collections on behalf of XXXX XXXX XXXX XXXX which was in XXXX XXXX XXXX florida. They are asking for 2 different payments one for the amount of {$380.00} and XXXX. I paid them in full and this was all resolved and settled so I am unsure why this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to UPDATE ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.
Product: Debt collection

Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )
Product: Mortgage

My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment
Product: Debt collection

Midland Credit has been sending me these threating emails, and mail correspondence. I have attached them. I am having a financial hardship, and I send them what I have at moment in a money order for the last XXXX months, because I am having a financial hardship. I am actively being threatened to take me to court. I have attached everything below. I haven't received any normal notices, just notices threating to take me to court and this is a very newly charged off account. I am sending what I have. I cant do any better at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX XXXX through XXXX XXXX XXXX Two CRAs, XXXX  and XXXX  are listing 2 separate attempts from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX  lists the original debt as from ChecknGo, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a fraudulent XXXX account that has been incorrectly reported on my credit reports by all three major credit bureaus ( Equifax, XXXX, and XXXX ). Despite my numerous attempts over the past two years to rectify this issue, the account remains on my credit reports, adversely affecting my credit score and overall financial health. 

Account Details : Creditor : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Background : I have repeatedly disputed this fraudulent account with each credit bureau as required by the Fair Credit Reporting Act ( FCRA ). However, my requests have not been addressed satisfactorily, and the account remains on my credit report. 

Relevant Laws and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Specifically : Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ) : Requires the prompt removal of fraudulent information from a consumer 's credit report upon receiving appropriate documentation of identity theft or fraud.

Section 611 of the FCRA ( 15 U.S.C. 1681i ) : Mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed information and remove or correct any information found to be inaccurate or unverifiable. 
I have provided all necessary documentation and evidence to prove that the XXXX account is fraudulent, yet no action has been taken. 

Immediate Actions Requested : Removal of the Fraudulent Account : I demand the immediate and permanent removal of the fraudulent Avant account from my credit reports with Equifax, XXXX, and XXXX. 
Confirmation of Removal : I request written confirmation from each credit bureau that the XXXX account has been removed and will not reappear on my credit reports. 
Preventative Measures : Ensure that any similar fraudulent activities are flagged and prevented in the future. 

Potential Consequences of Non-Compliance : If this issue is not resolved promptly, I am prepared to take the following actions : Seek legal counsel to enforce my rights under the FCRA and pursue damages for the ongoing harm caused by this fraudulent account. 
Please consider this matter with the utmost urgency. I expect a prompt resolution and confirmation of the removal of this fraudulent account within the legally stipulated time frame. 

Thank you for your immediate attention to this matter. I look forward to your swift action and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX # XXXX 
LENDING CLUB CORP # XXXX XX LENDCLUB XXXX # XXXX
Product: Debt collection

Received a phone message from XXXX about a case number XXXX and asked to call back immediately to " the issuing agent '' at XXXX. 
The message said there were documents regarding my file being prepared to be sent out and needed to be available to sign for the documents. They called 2 other people in my family with the same message. 
Upon returning the call, the lady said she could give me a brief synopsis and it was concerning a Capital One debt ( that has already been satisfied years ago ). The caller had my social security number. Once I said I wasn't sure about the validity of this information, the lady said she wasn't there to discuss that and hung up on me. 
Makes me nervous due to the fact she actually had my social security number.
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 physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX i have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 
under Sec. 602 " I have a right to privacy ''
Product: Payday loan, title loan, personal loan, or advance loan

I hurt my back at work in XX/XX/XXXX, I went out on leave, and applied for short term disability. It it took a while to get approved for short-term disability, so I was 2 months past due. I have been harassed with multiple phone calls form different phone numbers daily from loanmart. On some days at least 5 from different people, and this does not even include the texts and the emails. I was afraid to answer my phone, because even though I explain the situation, they still hound you. This harassment starts after 1 day past due from the due date. It is very distressing to the point that I didn't want to answer my phone.On XX/XX/XXXX, XXXX from loan mart called and leave a message stating that an active repossession is place on my car, and I need to call. I called spoke to XXXX and explained to him that I will start receiving my disability pay, and I will be able to make the 64 days late payment on XX/XX/XXXX. I reiterated to him again I will make the 2 months past due payment on XX/XX/XXXX. XXXX then proceed to ask " if I can borrow the {$550.00} from someone ''? I said no, I am not borrowing money from anyone, because everyone is struggling. I went on to say, it is already and embarrassment to fall behind on my payments, I am not involving people in my business. They add on all these late fees to increase the balance of the payment.
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 u.s.c 1681 Account Name... XXXX XXXX XXXX Account # XXXX XXXXXXXX ..... 
Experian XXXX XXXX... XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( 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 crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX : {$2000.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXXXXXXUnder Dispute XXXX XXXX XXXX, XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX   XXXX XXXXUnder Dispute XXXX BANK XXXX Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed- XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed- XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX Regular XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late/Open XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Late/Open-
Product: Checking or savings account

**Subject : ** Urgent Dispute of Inaccurate Information Request for Immediate Action I am writing to dispute the inaccurate information Disover account and BMI bank reported on my file, and I demand that you take immediate action to correct it. I have submitted multiple disputes through the Consumer Financial Protection Bureau ( CFPB ) portal, but you have continually ignored my requests. This is a direct violation of federal law, including the Fair Credit Reporting Act ( FCRA ), and CFPB regulations.

Under the FCRA, you are required to conduct a reasonable investigation of any disputes within 30 days. Your failure to address my dispute and provide the necessary documentation for the reported account is an outright violation of the law. Specifically, ChexSystems is required to provide proof of the accuracy of the reported information and must not report information that is incomplete, unverifiable, or inaccurate.

I demand that you immediately : 1. **Remove the inaccurate information** from my file.

2. **Provide me with documentation** showing that you have the legal authority to report this account.

3. **Cease violating my rights** under the FCRA and CFPB regulations.

If this issue is not resolved within 30 days, I will take further action and escalate this to the CFPB, the Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I will consider legal action for your noncompliance with the law.

Please treat this matter with the urgency it deserves. I expect an immediate resolution to this dispute. 
Sincerely, XXXX XXXX XXXX Social Security XXXX
Product: Credit card

Company citibank has been calling my phone multiple times a day starting on XX/XX/XXXX. I will submit screenshot of the times they have called. I've been having a hard time paying bills at the moment because I haven't been able to work more hours due to a high risk XXXX.
Product: Debt collection

I contacted bay area receivables collections about a XXXX debt. It is supposed to be for a medical bill. I asked for an itemized list and all information about the debt. I was told that I would have to pay a fee for them to pull up pertinent information concerning the debt. I am a 100 % XXXX veteran and the Veterans Administration pays all my medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is still being reported on my credit report as 7 years.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Mortgage

I purchased a loan sold to Specialized Loan Servives. For over a year they have had difficulty providing loan information thru their web portal. At times their reps can't see imformation on a loan. What's worse, they never call back. Their system of customer service is failing when customers can't get basic information on their loans.
Product: Mortgage

I got Really sick and fell behind on my payments. I 'm about 2-3 months behind, made a payment, and they wo n't accept it. They intend to hold it, until I can get an additional XXXX By next month. How can they HOLD it? I know they want my house. There 's potentially XXXX in equity. They want it.