23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. 
In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.
Product: Credit card or prepaid card

I have a First National Bank ( First Card ) XXXX  XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement  was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I overnighted a check vis XXXX tracking # XXXX which paid off the lease in full in the amount of {$28000.00} and received a overpayment refund of $ XXXX shortly after the payoff. I have been waiting on the title since then. I have called US Bank XXXX times in the past month and they continue stating that they have communicated with the XXXX that the loan has been paid off and that they sent the Title on XX/XX/XXXX after many times of stating that it was sent prior to that date. After waiting another week, I called the Utah XXXX and they state that US Bank has not communicated with them that the loan has been paid off and that the title is still in the XXXX 's name. 

I am trying to sell this vehicle and without the title I am unable to do so. Every day this sits I am losing money as cars are depreciating daily. 

I really need this title ASAP and this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System has reached a debt that is older than XXXX XXXX on my credit report. I have not received any communication in regards to the debt and original creditor was XXXX. This account had long been closed and I have disputed this with the credit bureau.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company NCB management services inc and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding fraudulent items that have appeared on my credit report, which may be related to identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that the necessary measures be taken to ensure this information is promptly blocked and removed from my credit report. I have provided all the pertinent documentation to support my case, including : A copy of my police report or identity theft report issued by the FTC ( XXXX ). Valid identification and proof of my current address. The fraudulent negative marks on my report are as follows : Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to the provisions of 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block and remove any disputed information related to identity theft or fraud within four business days of receiving the corresponding report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation, Deletion, and Credit Report Update [ Accounts Listed Below ] Dear Sir or Madam, I am writing to formally dispute the following accounts on my credit report and to request an immediate investigation, validation, and correction under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Accounts in Dispute : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX  I previously submitted a debt validation request to the collection agencies associated with these accounts. However, I have yet to receive proper validation in accordance with 15 U.S.C. 1692g of the FDCPA. Furthermore, I have submitted a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, under Complaint ID XXXX. 

If these accounts can not be fully validated with proper documentation, I formally request their immediate deletion from my credit report in compliance with the FCRA and FDCPA. 

Request for Credit Report Update : Additionally, I request that Experian update my credit report with the correct personal information, including : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security Number : when you look at CFPB Complaint It is imperative that my credit file reflects accurate and up-to-date information. Please correct any discrepancies in my name, address, and SSN to ensure my report is accurate.

If I do not receive proper validation or correction of my information within 30 days, I will take the following actions : 1. File additional complaints with the CFPB, FTC, and my states Attorney Generals office for non-compliance.

2. Request deletion of the disputed accounts due to failure to verify.

3. Demand immediate correction of all inaccuracies on my credit report.

Please provide a written response confirming the outcome of this dispute and an updated credit report reflecting the necessary corrections.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

A debt sent to collections that belongs to my father is being inaccurately reported as my own. My father and I have the same name and address. They are constantly reporting the debt as mine and ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.
Product: Credit reporting or other personal consumer reports

LexisNexis is violating state and federal law known as the Fair Credit Reporting Act. I have previously disputed this information and LexisNexis claimed to have verified the information as accurate. I am in disagreement still and before suing LexisNexis I will give you one last opportunity to comply before I have to start the civil filing. 

The information I am in disagreement with is as follows : Identification Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ms XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX XXXX : Record XXXX Ms XXXX XXXX Record XXXX Ms XXXX XXXX XXXX XXXX : Record XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record XXXX XXXX XXXX I will seek damages in the amount of XXXX which is allotted under FCRA. XXXX per incorrect item. I have a right to privacy and not have my information shared. You are also violating trust property by reporting any such negative information. The trustee has not given any permission for the debtor information to be used. 

Anyone listed on the business filing with the state of Georgia will become liable for damages. I will not provide any further notice or dispute this information again. You have 7 days to delete anything you do not have a right to report. 
Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

HARD INQUIRIES Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXXDATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX XXXX and Experian has violated my rights 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, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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. 

COLLECTIONS Account name :XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by XXXX XXXX and Experian has violated my rights 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, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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: Checking or savings account

The IRS submitted stimulus payments to be deposited in my bank account but Wells Fargo is holding those funds until XX/XX/XXXX. If the government has released the funds to be deposited why is Wells Fargo holding on to the money and are they earning interest on it, if so we should get that interest.
Product: Money transfer, virtual currency, or money service

( 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 and 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: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I requested a debt validation letter from XXXX XXXX XXXX. Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it. I would like these accounts removed from my credit report as it is reporting inaccurate information.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/XXXX 2013 and XX/XX/XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

XXXX XXXX XXXX transaction was erroneously debited to XXXX XXXX 's checking account for {$180.00} leaving an XXXX year old woman with no money for the remainder of the month. The account became delinquent Friday, XXXX XXXX, 2017 because of an error by the bank.The Arvest Bank Representative on XXXX XXXX XXXX in XXXX, MO referred to it as an " error '' and the best they could do is credit the account possibly in 10 days time. Truly not acceptable when a financial institution has the ability to credit faster and the bank representative had concluded his investigation.
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA XXXX XXXX has relisted 15 fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
NJ FEDERAL COURT-XXXX Docket # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX Docket # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court Docket # XXXX Not mine account. Please delete. 
WELLS FARGO DEALER SVC.ACCT # XXXX Not mine account. Please delete. 
US BKPT CT NJ XXXX ACCT # XXXX Not mine account. Please delete. 
U.S. Bankruptcy Court acct # XXXX Not mine account. Please delete. 

The following accounts are not mind account. No knowledge account. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Debt collection

multiple voicemails being left on the same day- as example- Today XX/XX/2024 called left message @ XXXX ; XXXX XXXX and again XXXX XXXX, yesterday XXXX XXXX XXXX  and again XXXX XXXX, Wednesday XXXX -- - these are recent examples- this happened in XXXX as well and previous months
Product: Mortgage

I AM A XXXX THAT HAVE BEEN TAKE TAKEN ADVANTAGE OF THROUGH PREDATORY LENDING OVER THE YEARS, IN XX/XX/XXXX I REFINACE OUT OF MY VETERAN LOAN AND RECEIVE A RELEASE SEE EXH A RECEIVED MTG XXXX -EXH B RECEIVED MTG IN XX/XX/XXXX-EXH C ( ALLEDGED FOR XXXX, XXXX ) -EXH D NO ADDITIONAL CASH WAS GIVEN RECEVICED MTG FROM PARK NAT'L BANK FOR XXXX-EXH E ON OR ABOUT XX/XX/XXXX XXXX MORTGAGW WAS ASSIGNED TO U XXXX FOR XXXX ACCORDING TO THE RECORDS OF XXXX COUNTY RECORDER NO ASSIGMENT FROM XXXX TO SPS SEVERING IS RECORDED SPS CAN NOT OR WILL NOT COMPEL WITH A WET INK ASSIGNMENT, MORTGAGE OR NOTE STATING THAT THEY ARE THE MORTGAGE HOLDERS VARIOUS EMPLOYEE FROM SPS IS CALLING STATING THAT I OWE XXXX BALLON PAYMENT ACCORDING TO SPS STATEMENTS THEY CLAIM I OWE XXXX AT 10.850 INTEREST. 
I NEVER RECEIVED NOTICE OF AN ASSIGMENT FROM XXXX TO SPS AND SPS CAN NOT PROVE THEY ARE THE MORTGAGE HOLDER OR HAVE ANY INTEREST IN THE SAME I AM XXXXYRS OF AGE ON FIXED INCOME