23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. 
Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 
1681c-2. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express me concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times shes reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau response : Dear Valued Customer, Thank you for contacting us regarding your Experian CreditWorks membership.I appreciate having the opportunity to assist you and strive to provide you with the best customer experience possible. 

At this time, we're unable to determine the nature of your request with the information provided. I'm sorry for any confusion regarding this matter. 

Simply reply to this email with more details as to how we can assist along with additional verification requested below : The full name you used when registering for your account Your Member ID - this is a unique number that can be found in any email from Experian or by logging into your account clicking your initials in the upper right corner The email address connected to your account The phone number connected to your account We apologize for any inconvenience. Thank you for choosing Experian. 

Sincerely, XXXX XXXX. 
Your Team at Experian MY RESPONSE : I responded to your company on the website. ya 'll know exactly who I am and why i'm responding. Remove the fraud from my credit report. If you don't know who I am, you have no true accuracy or verification of nothing, so again remove unverified information or anything about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card or prepaid card

My personal account was frozen for verification purposes and that caused a transaction to be denied with Sears master card through Citi bank. Because of that transaction, every time a payment is made to the credit card the funds are held for up to 10 days. The funds are taken from my bank account and showing posted with the credit card company yet the funds do not become available. This situation has been going on for over 2 months and there is no one that can remove that from their system or help me with releasing the funds. 

I have even made cash payments directly to them and the funds are still being withheld.
Product: Mortgage

I applied for a COVID 19 forbearance to help while Im out of work n because my income was reduced. My mortgage co approved the forbearance and they only approved the principal and interest n not the escrow. The P/I was put at the back of the loan but the escrow wasnt n because I was on forbearance for 6 months my escrow is short by {$16000.00} n I received a letter from my mortgage showing a escrow analysis with the shortage amount and if I didnt pay the shortage my payment would go up from {$1600.00} to {$3000.00} in XX/XX/2021. How is that helping my situation. If anything it made it worse. I need help..not make my payments go up.
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of XXXX XXXX.
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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial contact with Experian and XXXX was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. Experian and XXXX sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX  on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this Experian, XXXXXXXX XXXX and XXXX.
Product: Credit card or prepaid card

First Bankcard has of Speedway gasoline, as a though Masters card offeratory ; has provided services only to the disrepair and disregulartion and not following what I do and did not authorize, last year into the XXXX XXXX XXXX account and an additoinal fee I was issued by XXXX for the cost that on before payment was scheduled, and by three days prior, and which is even before the date my work /SSI checks arrive ; oh they take ; then what is refunded is nothing, and I have {$1000.00} to bank on Bank Fees , and this is done by this wrong acquired mention ; and I want them cut off for sales ; I am XXXX , XXXX XXXX and since XXXX. Sickended by their pre-emptive empty and reaching, out without showing any signs or helping-fulfillment to the safety of the customer /consumers ; therefore, after this issue first unreveled my nerves on wire-wronged ; XXXX ; - XXXX again ; that's then about XXXX in toerated fees and while now I can not pay off the card, quickly wow i surely could have twice over, waited, went -not ; out, much and then on top of all the additional fees, and refusals told to helop ; their result is for a gift another " pre-charging, '' Why in XXXX, now into a ps i love yours ; XXXX is feestering how to compensate one now after they strike again ; The First Bank and called up, more help no help is now with COVID ; here, so out of XXXX a absoutely value of XXXX in fees ; I can't catch, up to to pay them any more this week ; and month maybe, or you can retrace my money venue ; and replay this moment ; I need the safe of FEMA money , invisible for oath and only true minding settlements for which, I will pay as I aid in schedule and responsive ; then I'm needing about {$400000.00} plus to pay off the card, in abuse over my head by their original Luring me to have this discount management ideal in tool ; another {$1000.00}, so that's the {$50000.00} on Speedway Gas/ First Bankcard Jist and thiefing alone. I will not stop until I am minded, heard, and refunded 100 % and more, thank you. Please aid,
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from Capital One that were included in that bankruptcy which is almost paid off, current, and never delinquent. Capital One and XXXX XXXX are reporting late payments to those Capital One accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to Capital One on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my XXXX XXXX score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.
Product: Consumer Loan

United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : DP OF EDUC XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this problem resolved with XXXX, XXXX, and Experian concerning erroneous and inaccurate items on my consumer report to no avail. XXXX has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. 
The following accounts continue to show up on my consumer report month after month : U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and US OF ED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Product: Mortgage

Please accept this as a Qualified Written Request for an unredacted copy of ; the XX/XX/XXXX, " Notice of the foreclosure hearing on XXXX XXXX XXXX, XXXX XXXX, to be held on XX/XX/XXXX. '' " The notice named the current holder of the deed of trust dated XX/XX/XXXX, and the indebtedness secured thereby, to be SunTrust Bank which had accelerated the maturity of the debt ''. 

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

I've been trying to access my FREE TransUnion credit report for weeks now, and the message I get is " we are unable to access your report at this moment '' every time I call I get the same excuse they say " It's under maintenance '' without any other explanation, and they just say they do not have access to it, however, they keep reporting to it. On XX/XX/XXXX a negative account was removed from my report and the score should have increased, instead, it dropped for an unknown reason. The same thing happened on XX/XX/XXXX my credit score dropped a ridiculous 67 points when I checked why the only thing changed was two of my balances DECREASED! this should be a good thing, not a bad thing to have caused my credit score to dropped. I demand an explanation since I do have a good credit history and there should be no reason why my score should have dropped 86 points in less than a month because my balance decreased and a collection account was removed. This is crazy, pathetic, and unheard of. Since they aren't willing to assist and give me a logical explanation as to why my score keeps dropping I am filing a former complaint with Transunion.
Product: Student loan

XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX regarding a late payment for Select Portfolio Servicing for XX/XX/XXXX on my credit report. I provided XXXX with a demand letter from Select Portfolio Servicing requiring all credit reporting agencies to remove the late payment from XX/XX/XXXX from my credit file. XXXX sent a response letter dated XX/XX/XXXX advising that the late payment from XX/XX/XXXX had been removed from my file and the account would show always paid on time. However, credit reports from XXXX from XX/XX/XXXX and XX/XX/XXXX both show that XXXX has not removed the XX/XX/XXXX late payment from my credit file as they promised to do so in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS ACCOUNTS ON MY REPORT THEY REFUSED TO DELETE. THESE ACCOUNTS HAVE BEEN DELETED BY XXXX  ACCORDING TO THE FCRA.
Product: Mortgage

Since  XXXX / XXXX / XXXX , I have been Disputing fees charged by Nationstar Mortgage.     I was forced to Close escrow and pay disputed fees on  XXXX   XXXX ,  XXXX  or be subject to  Breach of Contract with the Buyer.      The amounts in Dispute on my Closing Statement with  XXXX   XXXX   XXXX , are Interest owed in amount of {$3900.00}. Amount of {$14000.00} for Escrow Advances. Legal fees in amount of {$420.00} and lender paid expenses in amount of {$440.00} ; assuming legal and lender paid expenses are a result of misapplying payments and charging for an Escrow account.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX  ), XXXX XXXX/XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX  : XXXX  ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( Equifax : XXXX : XXXX : XXXX XXXX : XXXX ), XXXX/XXXX  ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX ), XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Thank you
Product: Debt collection

Debt collector Portfolio Recovery Associates , LLC Account XXXX Reference Number XXXX The first time I notice the fraudulent account, along with the fraudulent address attached to it was in XX/XX/2021. I reported the fraud then, to the credit bureaus. It was supposed to be removed then. Well, I received this letter attempting to collect a debt. This is not my address, nor my debt. I've never lived in OK. I've never taken out an account with XXXX XXXX. This is a fraudulent account. 
Thank you for your time. XXXX XXXX
Product: Debt collection

Allied collection services Inc. violated S.B. 248 which requires a collection agency to notify a customer via certified mail 60 days prior taking any action. I found the collection on my credit report and had never been notified. I inquired with the company and informed them I was never notified, and the person on the phone said they sent it to an address I no longer lived at. I told him they sent it to the wrong address and he stated howre we supposed to know its the wrong address? I called back and spoke to someone else, they were immediately able to find my current address without me providing it. Allied services was fully capable of complying with S.B. 248 and given written notice 60 days prior to posting the debt, and willfully broke this law when they had the capabilities to find my current address, and clearly didnt send anything via certified mail. They also violated HIPAA by sending my medical and financial information to the current home owners of my old address. They did not do their due diligence to insure they were following the requirements to collect a medical debt. I requested a copy of the receipt from certified mail and the man refused, I also requested to negotiate, and the man refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX
Product: Payday loan

Speedy cash offered me a loan of XXXX then took XXXX from me and when I wanted to cancel loan thru charged me another XXXX they scanned me I never recieved my loan.