23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXXXXXX  I received a letter from MRS BPO , LLC ( MRS ) dated XX/XX/XXXX, notifying me that they were a debt collector trying to collect {$63.00} that I supposedly owed to XXXX XXXX. I sent an email reply to MRS on XX/XX/XXXX, to XXXX, the email address that was listed on XXXX XXXX XXXX XXXX XXXXXXXX ( that website was listed on the MRS letter under " Contact Information '' ). Below is the text of my letter : " I am in receipt of your letter dated XX/XX/XXXX. XXXX XXXX has not been my mobile service provider for some time and I do not believe I owe it any money. Therefore, I hereby request that you provide me with a validation letter to verify the alleged debt. Such letter should include ( without limitation ) proof that the debt belongs to me, the alleged non-payment time period and the authorization to collect on the debt on behalf of XXXX XXXX. Please send all communications to me regarding this matter to this email address [ my email address ]. '' When I did not receive a reply from MRS , I mailed them by USPS a letter with a copy of my email on XX/XX/XXXX. I mailed my letter to MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the address listed on the MRS letter as one of their contact alternatives. 

When I still had not received a reply to my email or letter, I contacted XXXX on XX/XX/XXXX. The customer representative told me, among other things, that she wanted to credit my account so the billing issue would be resolved, but the matter was transferred to a collection company that day, XX/XX/XXXX, so she was not able to do it. She told me that she was not allowed to give me the name of the collection company. I have screen shots of my chat to prove what was said. 

Based on that conversation with the XXXX customer representative, it appears that MRS contacted me in XX/XX/XXXXXXXX  before they had an authorization to do so. Furthermore, they never responded to my request to provide me with authorization confirmation. However, starting on XX/XX/XXXX, I received numerous texts from at least 22 different phone numbers in various area codes claiming to be from MRS BPO , LLC. Since I specifically requested MRS to contact me only via email, I did not reply to such harassment texts. 

Today, XX/XX/XXXX, I received a notification from my credit monitoring service that a negative report was filed by XXXX and it significantly reduced my credit score ( it used to be over 800 ). I believe this is at least partially a result of unscrupulous tactics by MRS and their failure to communicate with me in a legally required way. 

I have written and electronic evidence to support the statements made in this complaint. I will submit such evidence if it's deemed to be necessary.
Product: Debt collection

XX/XX/XXXX - called me at work regarding debt. I explained in detail that I am at risk of losing my job if I am contacted at work re : debts.

XX/XX/XXXX - called at work again, told caller that I can not accept calls at work and to please stop calling. I was told it would not happen again.

XX/XX/XXXX- called at work again, again asked them to stop calling me at work.

XX/XX/XXXX- called at work.

JXX/XX/XXXX- spoke with agent calling regarding debt. Told her that I have asked multiple times to not be contacted at work, asked if it was legal for her to continue to call me at work after that request. She transferred me to manager. Manager said that he didn't see any notes saying that I couldn't take calls at work. Said he would just remove ALL of my phone numbers ( including my cell ) and if I wanted to pay my bill then I could contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your record to the address listed below : XXXX XXXX XXXX XXXX XXXX, pa XXXX - Please Delete any other addresses attached to my credit report. 

This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX  My only employer is : XXXX XXXX  Please Delete all phone numbers on my credit report. 

Please Delete all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per fair credit reporting act since they are not accurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint on the following dates for XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level
Product: Checking or savings account

I would like all the overdraft fees reimbursed for the last 24 months
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1500.00}
Product: Student loan

In XXXX I received notification regarding my loan being in forbearance even though I did not request this and had been paying on a XXXX plan monthly. The loan distributor did not disclose that my loan would be a reusing interest which it didn't in XXXX or XXXX. But my debt has now increased by XXXX dollars between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPEATEDLY CONTACTED ZALES AND TOLD THEM THIS IS NOT MY ACCOUNT. I HAVE SENT LETTERS AND DISPUTED MANY TIMES.
Product: Money transfer, virtual currency, or money service

In XXXX  I accidentally sent some money to the wrong number and I was not reimbursed because the other party denied the claim
Product: Prepaid card

I got a American Express XXXX $ gift card for XXXX but everywhere I try to use it online the purchase is declined even though I have sufficient funds I called them to see what was the problem and got told that the merchant was declining it but I have tried to use it at multiple sites ( XXXX XXXX XXXX XXXX XXXX  ) I read online how this was common for the purchase to be declined everywhere and the card is basically a scam the only way to buy anything is to go to a physical store but that is not convenient for me and I would like to make my purchases online.
Product: Debt collection

I have substantiated proof that Santander Consumer USA is in fact in the debt collection business, as they are trying to collect an alleged debt using false representation and deceptive means. I have several documented attempts to allow the company to admit to their wrongdoings. I demand relief in the form of monetary remedy as well as the complete deletion, and removal of this information from my consumer reports, and from all consumer reporting agencies databases. I invoke my rights as a consumer protected and enforced by the FCRA 15 U.S.C. 1681, and the FDCPA 15 U.S.C. 1692. I have multiple exhibits that substantiate my claims that the company is in fact in violation of the FDCPA on several counts. My attached Affadavit of truth, which was also included in the last correspondence with the company, has each fact listed. It has been thirty-eight ( 38 ) days I have not received a rebuttal of the facts I stated in my affidavit of truth, validation letter, and cease and desist request in my last correspondence sent via U.S. Postal Service certified mail with a return receipt. I requested that the company validate the information they are alleging by completing the attached forms, send them back to me for review, and allow me 30 days to evaluate while all collection and reporting must cease and desist. The company failed to validate, and send the documents back therefore by law, my affidavit stands as truth, and the company admits to being negligent and dishonest. Also, the company is using false representations, and deceptive tactics to attempt to collect an alleged debt. In my original correspondence the company listed its address as XXXX. XXXX XXXX XXXX XXXX, TX XXXX, but in the exhibits they sent back to my validation request they have their address listed at the bottom of the page as XXXX. XXXX XXXX XXXX, TX XXXX, and on some of the other documentation they have XXXX. XXXX XXXX XXXX XXXX, Tx XXXX, on their website they list XXXX. XXXX XXXX XXXX, TX XXXX as their payment address. The different addresses are very misleading, inaccurate, and unprofessional, as my other exhibits substantiate. The company haphazardly sent back documents that do no validate any fact or truth to support their claim so this debt is indeed invalid and inaccurate.
Product: Mortgage

A loan modification review was conducted and the lender did not provide a compliant reason to deny the homeowner the option to pay back their debt. They didnt list who the investor is and why they are not required to modify the loan. They did not provide the specific reasons as to why the investor does not have to comply to RESPA guidelines.
Product: Credit card or prepaid card

I called the credit card company Total Visa in XXXX. It gave me a pay off amount of {$300.00}. I paid the amount to pay the card off in full. 
I did not receive a statement for XXXX. Then I get an Email saying it's over due & I owe almost {$100.00}. I call they tell me that I owed {$19.00} for the month of XXXX & it was due XX/XX/XXXX. But how can that be when I paid the pay off amount due in XXXX before the Cut off. And how dies {$19.00} turn into almost {$100.00} in a matter of days & I haven't gotten a bill?
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX SS Number : XXXX My name is XXXX XXXX and I am writing you about my account which I have posted above. When I firs got this credit card, I was very irresponsible and did not do my best to pay on time. The effect on late payments on my credit report has truly been a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles. 

We are about to shop for a mortgage, and it has come to my attention that the late notations with you may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption with your company, and I beg you for such consideration. Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, while attempting to use a Bank of America ATM ID XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the machine did not distribute cash but my account was debited {$200.00}. 

I immediately called BofA and filed a dispute, after which I received a temporary credit that was reversed out on XXXX XX/XX/year>. BofA claims the cash was distributed from the ATM. I have repeatedly requested, including in writing, that they pull video of the transaction that would clearly show the ATM machine did not distribute any cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon viewing my credit report I have come across several discrepancies reflecting accounts that were opened fraudulently
Product: Credit card or prepaid card

Hello, I initially had XXXX Wells Fargo XXXX XXXX Rewards in my account. I decided to " cash out '' my points in the form of gift cards. I've attached an email from Wells Fargo that shows that I purchased gift cards for : XXXX for {$250.00}, XXXX XXXX XXXX XXXX for {$100.00}, XXXX # 1 for {$100.00}, XXXX # 2 for {$25.00}, and XXXX XXXX  for {$25.00}. 

On XX/XX/2021 I discovered that I had issues with ALL the gift cards : {$25.00} XXXX XXXX  : eGift card was never delivered or emailed to me {$250.00} XXXX : There were XXXX funds on the gift card {$100.00} XXXX XXXX XXXX XXXX : There were XXXX funds on the gift card {$100.00} XXXX # 1 : There were XXXX funds on the gift card {$25.00} XXXX # 2 : There were XXXX funds on the gift card. 

I attempted to speak to customer service representatives more than three times on XX/XX/2021 and none were able to solve the issues listed. 

I've also attached the gift card numbers which one can look to see the history that the gift cards were never loaded with the allotted amount. I've also attached a confirmation email from Wells Fargo and also a points statement that shows XXXX Wells Fargo XXXX XXXX Rewards being removed from my account to purchase the gift cards and the confirmation receipt email from Wells Fargo that shows the purchased gift cards. I don't understand why Wells Fargo would treat a customer like this ; deplorable.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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: Checking or savings account

Good afternoon .. back in 2016. I deposited XXXX with Suntrust Banking Still havent received a Bank debit card from Suntrust Banking.. Someone was able to activate my bank card and transferred XXXX, XXXX from my account : XXXX to Mr XXXX XXXX XXXX I wrote Suntrust Bank XXXX spoke on the phone with XXXX XXXX. Executive Services XXXX XXXX ( XXXX. XXXX XXXX XXXX XXXX XXXX me it was a joint account.. I have a receipt from Suntrust from 2016 from customer Services with my balance information Balance.. Legal Disclaimer individual account Thanks XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ) cell
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Closure Request Checking Account XXXX To Whom it May Concern : On XX/XX/2021, I asked in writing for Populus Financial Group , Inc. d/b/a XXXX to close the above captioned account. 
Later that day, I was informed that my account could not be closed via email and was given instructions to log in to your account online and select Help -- > Close Your Account. 
To my knowledge, XXXX is only available via smartphone application, not online, and no such options exist within the app. 
Now, I must reiterate my request to close this account. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on LexisNexis, XXXXXXXX XXXX XXXXXXXX Report and Request for Detailed Description of Verification Methods To Whom It XXXX Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexisXXXX XXXX XXXX XXXXXXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by LexisNexis, XXXXXXXX XXXX XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXXXXXX XXXX XXXX XXXX Specifically, I ask that : 1. LexisNexis, XXXXXXXX XXXX XXXXXXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. LexisNexis, XXXXXXXX XXXX XXXXXXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXXXXXX XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for 4 years now. I tried to fix this two years ago, but Bank of America refused to remove the negative remarks from my credit, despite the debt being paid off, and it's affecting my ability to own a home. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over XXXX dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's IP address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about XXXX pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments while the investigation was going on with the police. I have been fighting to remove this for 4 years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the XXXX for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.
Product: Payday loan, title loan, or personal loan

I have been making on time payments to the company and the credit limit is still in use. However, it says that they have closed the account. After we have set up payment arrangements and those payment arrangements have been met.