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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Student loan

This astoundingly inept and unethical company which I never consented to working with has been the bane of my existence since they bought my loans. My credit is a dumpster fire because they reported me behind twice, 3 times each ( 1 mark for each loan ) for a total of 6 negative marks on my credit for delinquency. I am not disputing this as illegal, but its garbage customer service and a shining example of why student loans in the XXXX are such a problem. 

But thats not why Im complaining today. After the second go round with them destroying my credit, I signed up for auto pay. Then today I get an email saying I am 11 days behind. Nevermind the fact that I got misleading info on the recording when I called ( XXXX violation which could lead a customer to believe they had an extra day to pay before negative credit reporting ) which said I was 10 days behind, the rude customer service agent said I never applied for auto pay. Then when I asked for a payoff quote he just told me the amount, I had to ask for him to send it in writing. I am 100 % sure I signed up for auto pay to avoid this credit reporting fiasco, if their system didnt record it then yet again another XXXX. Of course I didnt pay, I assumed the auto debit was set. 

I am so angry and frustrated. This company and the XXXX poor customer service I receive every single time I call is absurd. The CFPB needs to get into their shop and start writing consent orders yesterday.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified fraudulent accounts and credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of all accounts and inquiries associated with unauthorized activity. 
Fraudulent Accounts : XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} Fraudulent Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unknown and unauthorized inquiries on 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

XXXX XXXX XXXX XXXX is reporting at least all three major credit agencies that I have two accounts XXXX XXXX with unpaid balances. The issue is that those accounts have been paid. The accounts were paid prior to my establishing new services with XXXX. In order to establish services with XXXX XXXX all unpaid balances must be paid. The last account I had with XXXX XXXX was at XXXX XXXX XXXX, XXXX, NC. I had the account at XXXX XXXX XXXX for over 2 years and I have attached a screen shot showing that the balance is {$0.00}. XXXX even returned a portion of my deposit that did not go toward the last bill. Plus XXXX XXXX XXXX XXXX is reporting that both of these accounts were open in XX/XX/XXXX. I had services on XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX, and on XXXX in XX/XX/XXXX. Both of those accounts were paid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate, XXXX XXXXXXXX XXXX  account number XXXX
Product: Credit card

On XX/XX/XXXX I sent three negotiable instruments for the accounts XXXX, XXXX, Ending in XXXX along with a cover letter explaining exactly how wanted the instrument to be credited to my accounts and how this was considered lawful payment. It also included a Revocation of Power of Attorney and IRS form XXXX. Registered mail NO. ( XXXX ) This letter included that I did not give consent to JP Morgan Chase to call me unless it was regarding my letter that I sent. Then without authorization JP Morgan Chase called acting as a debt collector on XX/XX/2024 to collect on the cards mentioned above. I mentioned on the phone that I sent in payment in the mail to the dispute center. The rep told me to wait as this may take longer to process. I then waited and was then called again for the collection of a debt on friday XX/XX/2024 which I did not answer, then monday XX/XX/2024. I answered monday and the rep stated I still owed a debt. I explained my situation and told her that Chase did not have authorization to call me regarding this issue and to only call me unless its questions regarding my instruments sent, or crediting the account. She then hung up. I have not had any update about where my instruments have gone and my account ending in XXXX was recently closed by Chase and charged off as bad debt. 

On XX/XX/2024 I then sent another letter in attempt to cure this situation, along with a copy of form XXXX to explain their fiduciary duties, updated copy of form XXXX, a copy of the securities sent, copy of Revocation of Power Of Attorney, and a copy of the cover letter I sent to JP Morgan Chase Legal Department. I have also completed form PS XXXX and sent to the XXXX XXXX XXXX XXXX with all the above information attached.
Product: Credit reporting or other personal consumer reports

Please delete the fraudulent account from my consumer report. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to XXXX XXXX. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected XXXX lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. XXXX XXXX
Product: Consumer Loan

Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.
Product: Credit reporting or other personal consumer reports

This company was asked to give information of original wet ink contract and full record of accounting. plus they were asked to cease and desist and were sent an estoppel to never to discontinue. They were also never given consent and were asked to stop communication with anything revolving this account XXXX. They violated communication 15 U.S. Code 1692c - Communication in connection with debt collection. They and XXXX are in direct violation with the communication. It's willful misconduct and civil negligence. Stemming from ecmc holdings and or ecmc llc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Vehicle loan or lease

Vehicle was repossessed I haven't received no notices by law of vehicle when sold how much it was sold for by law 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Product: Debt collection

On XX/XX/2023 I called First Credit Services, the Collection Agency for XXXX XXXX-they could not find the account because it is false.
Product: Debt collection

Greetings, I moved into XXXX XXXX XXXX by XXXX approximately XX/XX/XXXX. Shortly after, I received military order to move to XXXX XXXX, XXXX by XXXX XX/XX/XXXX. I was able to provide a copy of the military orders as soon as they became available. The management team at XXXX XXXX XXXX on location was extreme professional and although I provided them less than 60 days, they understood that there wasn't anything that I could due. I was able to successfully pay of my remainder balances and turned in the apartment without any discrepancies. Approximately 6 months later, I was contacted on numerous occasions by a XXXX employee attempting to seek payment for 2 months worth of rent. I stated to their collections department and manager that I was protected by the SCRA and that I was unaware of a short notice XXXX XXXX XXXX XXXX  and provided them a copy of my orders as soon a I possible could. After several failed attempts to collect {$3400.00} from me the telephone calls stopped around the end of XXXX. 

The end of XX/XX/XXXX, I was made aware that I had a collections account on my record. I reach out to the debt collector and explained my situation and provided a copy of my military orders. Simultaneously, I disputed the collection account with all 3 credit agencies. It appears that the company sold off the account to another collection agency or there was a name change, but the account reappeared on my report. I exhausted additional disputes, but the account has came back as " verified ''. 

I would like to make my statement clear : I paid all balances and closed out all debts associated with XXXX XXXX XXXX. XXXX attempted to obtain 2 months worth of rent out of me and were not going to release me from payment, although the SCRA clears me for breaking a lease early, due to military orders.
Product: Debt collection

About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. 

As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. 

Thank you for your time. 

Respectfully, XXXX XXXX
Product: Checking or savings account

Wells Fargo denied my dispute for XXXX something the claim id was XXXX It was some unauthorized transaction on my account and I spoke to why it was denied and they refuse to help then I asked for a XXXX her name was XXXX and she was extremely rude. I want to get my money back because my account is over drawn now and Wells Fargo has been no help!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate The consumer financial protection act ( CFPA ). Specifically, cash app failed to take Timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.

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

XX/XX/XXXX TrueAccord responded to my dispute stating all collection attempts would be halted until they gathered information. Service was stopped for another service. Only 1 service line to the property. I paid through the month though new service was started halfway. Through transcripts it was stated that only 1 service can be had through 1 line. Prior to this I setup to transfer at a later date and was told my service would not be canceled and it was immediately. That was rectified and explained 2 services could not exist. With this knowledge a new service was connected but they never canceled the old that was paid past service end. They continued to charge 2 services on 1 working service. No response from TrueAccord. XX/XX/XXXXXXXX XXXX XXXXXXXX picked up the debt and put it on collections with no contact. TrueAccord was informed of the illegalalities of this and will not respond. XXXX. XXXX thinks it's a joke. It's only {$50.00} on exceptional credit but it's a false debt and they will not yield. TrueAccord was even provided documents to show how they were wrong XX/XX/XXXX. XX/XX/XXXX, when asked they stated they returned the debt to XXXX which was only explained once another company showed collections on my credit report. Previous email was all attempts would cease until information was provided as can be seen in the attached. No single person responded but was a different person with TrueAccord each time. XXXX. XXXX I am unable to dispute on my credit report. They will hang up on you and treat you like a joke. I will add more documents later as necessary.
Product: Credit card or prepaid card

Some time in XXXX, or XXXX someone who moved into my former residence opened a XXXX card, the troubling thing is apparently the card was issued to a XXXX XXXXmy name is XXXX XXXX, I did not find out about this until XXXX, when I was looking at court records & there was a judgement against me that matched my S.S. number. I looked up the court case and saw the person they served for the lawsuit was not me, it did not match my physical description, it was way off. I was not even living at that address at the time, so it was impossible to serve me. So the creditor, Moore Law Group got the judgement, and apparently when 10 years pass, they need to renew the judgement, which the Moore law group did. I filed a motion in court to have the judgement vacated, and the court granted my request because the person they served was NOT me. I have filed an identity theft report with the XXXX XXXX police dept. and notified the Moore law group of identity theft, but they are continuing to try to enforce the court case against me. I never had a discover card & did not open this alleged account.
Product: Debt collection

I have communicated with the company ( N.A.R. Inc ) via mail to indicate that the collection does not belong to me. The company they are representing I have never had any affiliation with meaning the debt does not belong to me. It has been placed on my and my wife 's credit reports and I want it removed. I have a copy of the letter that I sent with details of my situation as well as dates when I have attempted to call them without any reprise. 

A letter was sent in XX/XX/2023 to have the {$330.00} removed from my credit account but no actions have been taken. I provided documentation showing that the company they represent I have never had any interactions with. I have called them on seven ( 7 ) different occasions between XXXX XXXX XXXX XXXX XXXX. I finally spoke with a representative XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and asked them to send documents showing I had any accounts or interactions with the indicated company ( XXXX XXXX XXXX ) and I have not received any communication. Today is XX/XX/XXXX ( 35 days later ). 

I am asking again for them to remove this information from my credit account and to send me communication unbinding me from any transactions with their company.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CONSOLIDATED RECOVERY GROUP , LLC COMMITED MAIL FRAUD BY MAILING A FRAUDULENT " BILL '' TO MY PRIVATE MAILBOX. THE ACCOUNT WAS BOUGHT FROM XXXX XXXX XXXX. XXXX WAS MADE AWARE ON XX/XX/2021 THAT THIS WAS NOT MY BUSINESS, I WAS SIMPLY AN EMPLOYEE. I AM NOT THE RESPONSIBLE PARTY FOR THIS DEBT. MAIL FRAUD COMPLAINT HAS BEEN FILED.
Product: Debt collection

Credit Control Corporation committed Fraud on my consumer report. I did not consent benefit nor authorize the collection on my report. According to the FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ), A consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I demand Credit Control Corporation remove immediately.
Product: Debt collection

I took out a payday loan in XXXX with AXCSSFN/CNGO which is the secondary collection agency that took over for the original lender and even though I filed bankruptcy in XXXX of XXXX, AXCSSFN/CNGO  put this payday loan account on my XXXX credit report as a current debt that is a charged off. The account with AXCSSFN/CNGO was never a charge off and should reflect included in Bankruptcy. I have disputed this information and they still keep saying that it is accurate. AXCSSFN/CNGO is a collection agency that bought the payday loan from the original lender and they are still trying to collect a debt that has been discharge. I have tried calling AXCSSFN/CNGO and they don't even have a number to reach them.
Product: Debt collection

As of today XX/XX/22 you are trying to get me to pay {$68.00} and I have no idea for what?? I need more information on what I am paying for because to my knowledge I don't owe anybody anything! To harass me like this is with constant phone calls and letters is distracting me from my work and concentration in my life cause now I got ta deal with all this. I want extreme detail on why I am receiving these letters and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,