23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Us Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX. In the letter they stated they took over the servicing rights from XXXX loan servicing. This stated in their letter that XXXX XXXX as trustee of XXXX pass through trust XXXX Is the creditor to whom the debt is owed. 
I disputed the debt and validation was requested With a certified return receipt letter dated XX/XX/XXXX. 
I sent them two letters on XX/XX/XXXX. 
XXXX See attached XXXX They did not reply. 

I asked Mr. XXXX  many times for a recorded assignment of mortgage showing XXXX as creditor. 
They never provided assignments and records in land Court Hawaii never showed XXXX on record. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I disputed XXXX XXXX XXXX Notice via Certified return receipt mail on XX/XX/XXXX. National creditors connection received it on XX/XX/XXXX ( see attached letter XXXX Their letter to me was sent on behalf of Mr. XXXX regarding an account with a debt of XXXX. 

30 days later XX/XX/XXXX I received another letter from XXXX Hawaii XXXX hired by Mr XXXX ) stating XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through XXXX XXXX claiming a debt of {$420000.00}. 

XXXX See other complaint # XXXX XXXX They were advised by Mr. XXXX  about the amount of the debt and they were advised that the name of the creditor to whom the debt is owed is XXXX. 

XXXX owns XXXX/Mr. XXXX. 

I personally called XXXX XXXX XXXX and recorded the call on XX/XX/XXXX to verify the letter I received from them on behalf of Mr. Cooper. 

They verified that the information in their letter was 100 % true and correct regarding the stated debt that was owed to XXXX. ( I have a recording of the call with XXXX XXXX XXXX ) On XX/XX/XXXX I called Mr. XXXX XXXX 
They stated to me that on XX/XX/XXXX they see in their records that FORTRESS was the creditor. 

On XX/XX/XXXX I spoke to XXXX XXXX of national creditors connection. 
She verified the notice I received from XXXX XXXX XXXX was accurate and they were hired on behalf of Mr. XXXX. 
She verified with me that national creditors on behalf of Mr. XXXX  sent someone to my home on XX/XX/XXXX at 12 noon. 

XXXX XXXX XXXX XXXX address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX nor Mr. XXXX ever responded to my dispute letter to XXXX XXXX XXXX. 


Law firms representing the trust attempting to collect amount due from default in homeowners or properties in the trust the debt collection activities violates the federal fair debt collection practices act because the trustee had no right to pursue collections or foreclosure where it lacked a valid assignment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XX/XX/XXXX this debt was accrued in XX/XX/XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
Product: Credit card or prepaid card

Bank of America Im filing a formal complaint with the cfpb on your company I have file several dispute with all of the credit bureaus On behalf of your company regarding in accuracy and erroneous information on my credit report and each credit bureau indicates that you are reporting that the information is accurate I have submitted proof of document but this account is inaccurate in your let r to me dated XX/XX/2018 you indicated that the account XXXX was closed on XX/XX/2018 again from your letter but how ever each credit reporting is showing XX/XX/18 this information is incorrect and I demand that you remove this account from all four of my credit file. See facial proof. As you have effect my ability to seek employment or to obtain anything in my name per the FCRA in the FTC website a credit report must and I repeat must be 100 % accurate Also you are in violation of the Fair debt practice and act as well as the FCRA for failure to enter the required noticed of dispute again please remove this account from all credit reporting agencies and please send me a letter in writing when this is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent more than  XXXX  letters to Portfolio recovery, asking for VALIDATION bearing MY SIGNATURE of a debt for the amount of {$470.00}, made pursuant to the Fair Debt Collection Practices Act. I do n't have any debt with this compa ny nor any contract with them. Portfolio recovery keep sending letters that they VERIFIED the debt but failed twice to provided me with my Signature as VALIDATION of the debt they say I owe. Last letter they sent was for a settlement and still no VALIDATION of this debt bearing my signature. They marked on my credit report " Dispute Resolved '' which I do n't agree. I could n't get a loan for a house because of this damage to my credit. So for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I 've been keeping records of all documentation between Portfolio Recovery Services and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. 
I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

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

Im in XXXX program and i never received internet
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial XXXX  and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct these late open accounts and remove the late closed accounts immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00}.
Product: Checking or savings account

Wells Fargo is giving me a very hard time. I recently put a claim in XX/XX/XXXX with Wells Fargo about XXXX taken from my bank account to XXXX to who knows where. I dont know. I filed complaints because Wells Fargo was giving me a hard time then eventually credited me {$1000.00} provisional credit. Then another provisional credit of {$3000.00}. Which I was happy about I got it back finally. Then in XXXX they sent me a {$1000.00} final credit that I was confused about and they ended up sending a letter that they accidentally sent me {$1000.00} extra and will take it out XX/XX/2024 and did. No issue, due to that is not my money to keep it was an accident from Wells Fargo. Now they sent me a letter stating based on information available to them they found the charges were made by me or someone who had my permission. So they will be taking out {$1000.00} again on XX/XX/2024. Now Im very frustrated because I did not authorize this transaction nor did I give anybody permission to steal money from me. Wells Fargo is now taking {$1000.00} from me XX/XX/2024 out of my {$4000.00}. Leaving me with {$3000.00}. Are they going to take the {$3000.00} now too? Im very disappointed to the point I could end up in a hospital Ive been on the phone back n forth with Wells Fargo XXXX and Wells Fargo again. Wells Fargo is beating me around the bush and dont want to take responsibility. I just want to keep my money and cancel with Wells Fargo completely. I am over this worry and emotional stress it is causing me and my family. Please can someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Credit card or prepaid card

I recently reviewed my credit report, This account was opened without my authorization. I would like to receive all the paperwork at the time or opening the account including a copy of the identification.
Product: Debt collection

IQ Data contacted me on XX/XX/XXXX @ XXXXXXXX XXXX. I missed the call, but made a return call at XXXX XXXX. This call lasted 3 mins and 22 seconds. During this phone call the agent was incredible rude and attempted to goad me into hanging up on her when I explained I believed there had been a miscommunication. The agent then rudely ended the phone call. I called back to speak to a supervisor where I explained I would like to file a complaint about the manner in which I was spoken to and the supervisor also got attitude and began demanding payment. I explained to the supervisor I had not received a statement of the debt owed, only receiving an explanation of how to dispute the debt. I offered to arrange a short-term payment plan, and this was denied with the agent informing me that the co debtor and I needed to get a loan to pay this debt. I explained this was not an option as we are in the middle of a divorce and at that point the agent begrudgingly accepted a small payment from me but refused to arrange any additional payments. I explained to her this was something I could have completely taken care of within 2 months if they would work with me and she refused, stating this debt was five months past due. I again explained that I had not received a bill or a statement from them but I got nowhere and the call was ended. This company attempted to call me again on XX/XX/year>, 5 days after I had a phone conversation with them, and to my understanding this directly violates the 7 days of not contacting a debtor after a phone conversation has been had.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 has violated my rights. 15 USC 1681 602 Section A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing mistakes. The late payments listed dont align with my usual payment habits. Kindly correct these errors and update my account accordingly. Thank you!
Product: Credit card or prepaid card

On XX/XX/XXXX I advised XXXX to cancel my subscription to XXXX  XXXX! On XX/XX/20 XXXX sent me an email stating the card number on file was invalid and they needed me to upgrade the card number! The reason the card number was changed was because of fraud! I advised XXXX again several times to cancel my subscription and I never gave them my new card number! Eventually about a month later after also advising capital one several times of the situation, somehow XXXX got my new card number and billed me on XX/XX/XXXX {$74.00}. Since then I have been in constant contact with both companies and provided them with all the details requested! On XX/XX/XXXX I was advised by capital one the case was closed and I will be credited the full amount! Capital One also sent me a letter dated XX/XX/XXXX to again advise me the case was closed in my favor, there's nothing more I need to do, even if more information was provided! Then on XX/XX/XXXX capital one reopened the case they closed on XXXX, because XXXX contacted them on XX/XX/XXXX, claiming they showed no car policy! That is an absolute lie! I have been fighting this since XX/XX/XXXX. I want Capital One to apologize for giving out my new card number without my authorization and for reopening the case they closed! I can send you the information needed, if you want! Capital One case # XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY XXXX CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXXXXXX XXXX THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX XXXXXXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. 1099 C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$330.00}
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports XXXX
Product: Student loan

There are duplicating reports which caused my credit score to decrease by almost XXXX  points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

XXXX. XXXX {$10000.00} XXXX. XXXX {$3700.00} XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX   EBT letters do.
Product: Money transfer, virtual currency, or money service

Using their online service, I started two transactions with XXXX XXXX XXXX XXXX XXXX First transaction was for an amount of {$1700.00} on XX/XX/2021 for which Money Transfer Number ( XXXX ) XXXX was generated. The second was for an amount of {$880.00} on XX/XX/2021 for which XXXX XXXX was also generated. 
The two transactions were all paid with my XXXX Debit card ( XXXX ) These two transactions were subsequently cancelled citing compliance reasons. Upon contact with XXXX XXXX XXXX XXXX XXXX XXXX was made to understand that refund for the two transactions usually takes between 3-business days. The first transactions was cancelled on XX/XX/2021 and the second on XX/XX/2021. Till today, several attempts on daily basis towards refund has proved futile.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX, XXXX XXXX Ca. XXXX XXXX Reinvestigation Request Re : Consumer & Personal Info I am requesting a reinvestigation of the following accounts Listed below Account Name : XXXX XXXX XXXX XXXX Account Balance : {$9000.00} Dispute Reason : The payment history is reporting incompletely. There are many years that are missing data. It also says that this account is a collection but that is not reflecting on the account type. The monthly payment is inaccurate and reflects the total balance due. 
Were requesting a thorough reinvestigation of this account. Please make sure that all aspects of this account are reported 100 % completely and accurately. Per 15 USC 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals the monthly payment is reflecting XXXX ratio because it is inaccurate!
Product: Credit card

I was the victim of identity theft and fraud and my Discover card was used unauthorized and Discover is not fixing the balance they are reporting I need the balance to be corrected I have the police report as well but the size is too big to upload on CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023