23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN I received a letter dated : XX/XX/year> from NATIONAL ENTERPRISE SYSTEMS with the verbiage : " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I refuse to pay this alleged debt. I do not now, nor have I ever entered into a contract with NATIONAL ENTERPRISE SYSTEMS. This is an extortion attempt, fraud and material misrepresentation. At no time will I ever assent to the terms contained within their communication. NATIONAL ENTERPRISE SYSTEMS is also attempting to deceive me as a consumer by sending this communication to me in the first place knowing THEIR actions are fraudulent. NATIONAL ENTERPRISE SYSTEMS has compiled a misleading communication knowingly and has taken specific action to conceal the material fact that we are not in contract and that no such item exists. NATIONAL ENTERPRISE SYSTEMS also included copies of fraudulent documents with their communication. As a debt collector/buyer, NATIONAL ENTERPRISE SYSTEMS is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. NATIONAL ENTERPRISE SYSTEMS does not nor have they ever received a judgement nor can they provide verification or validation that such a judgement exists. DO NOT CONTACT ME any further ; cease and desist from any/all collection attempts and attempts at placing any statements or items or any of my consumer reports or you will be in violation of the FAIR DEBT COLLECTION PRACTICES ACT, The Fair Credit Reporting Act and all federal laws governing consumer credit transactions. I also demand NATIONAL ENTERPRISE SYSTEMS to provide a copy of their license to even attempt to collect anything in the state of PENNSYLVANIA as well as provide their certificate issued from the Pennsylvania Commissioner of Insurance. Please see complaint # XXXX ; addressing NATIONAL ENTERPRISE SYSTEMS XXXX previous attempt at collection. This matter should have concluded on XX/XX/year>. Clearly, NATIONAL ENTERPRISE SYSTEMS is in violation and I am again bringing this matter to the attention of the CFPB, demanding penalties be brought against this company for their fraudulent business practices. 
RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about X/XX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went  unanswered. 

XXXX XXXX Please remove this file from my report.
Product: Credit reporting

On XXXX XXXX, 2016, I signed up for a 7 day trial to receive my XXXX score for {$1.00}. On XXXX XXXX, 2016, I called and cancelled my trial period. I just found out on XXXX XXXX, 2016 while checking my debit card details, {$24.00} was taken off of my card by Experian. After speaking with them I found out that they have taken the following from my debit card. On XXXX {$21.00}. On XXXX {$21.00}. On XXXX {$43.00}. On XXXX {$21.00}. The XXXX/XXXX/16 for {$24.00} was the only XXXX refunded and they said that they cancelled my account. After speaking with Experian and letting them know that I had cancelled my account with them before the 7 day trial was up, they refused to listen. Due to having XXXX XXXX, I have to write every day, date, time and the name/ID of the customer service representative I speak to when it comes to anything important such as this. Experian would not do anything about their mistake and I 'm hoping that you will be able to help me get back the money that is owed to me. They had no right to take it from me to begin with.
Product: Money transfer, virtual currency, or money service

I am writing to inform you about how Zelle handles disputes, especially in light of the recent CFPB lawsuit showcasing the many issues with the app. Even though I have used Zelle multiple times and reported discrepancies, my financial institution failed to investigate my claims properly. I was told that they wouldn't be able to recover my lost funds since they weren't able to track it. The CFPB 's finding tells us consumers that Zelle basically neglected to protect their consumers but they have also let and protected these repeat offenders to exploit the system and leave their users vulnerable to scams. Their lack of accountability and transparency is unacceptable and makes consumers question how well are we protected.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1700.00}
Product: Credit card or prepaid card

My I.D . was stolen and all of my credit cards they stole from and my bank account they stole from refunded my money EXCEPT U.S.A.A. They not only won't refund my money but they have added another {$3000.00} in their fees. They also will not remove their negative report about me from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is unverified. According to the verified source XXXX XXXX, they dont show a bankruptcy on my credit file. Ive asked multiple times for removal. 

According to the court clerk, they dont report/or release information to credit bureaus, which is another erroneous effort to verify this inaccurate reporting.
Product: Credit reporting

I requested TransUnion to investigate XXXX XXXX XXXX XXXX negative tradelines that have been reported on my credit report I reported that these tradelines do not belong to me. I sent a Dispute and Validation letter to the creditors listing the discharged debt on my credit report and filed dispute with TransUnion thirty days later in XXXX XXXX, 2016. 

I contended to TransUnion during my dispute that they morphed or duplicated negative credit information with a stranger who shares a similar social security number or surnames stating that they mixed the information of persons with the same last name and similar first names, and combined or mixing the credit files of persons with similar names living in the same city or zip code. 

I demanded full and detailed results of TransUnion 's investigation, including information on how they contacted the creditors listed in my disputed and a copy of their responses to TransUnion 's inquiries. I received neither, which is a violation under FCRA 623 ( a ) ( 1 ) ( A ) and under FCRA 623 ( a ) ( 1 ) ( C ).
Product: Mortgage

I had to pay all at once XXXX dollars so my house wont go foreclosure
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - NOT PROVIDED Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX  ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl
Product: Credit reporting or other personal consumer reports

My sister and I have somewhat similar names. At some point, Transunion and XXXX decided that we were the same person and added my sister 's name to my credit report. Because of this error, my sister 's student loan servicer reports her loans to my credit report because they have listed my sister 's name as the primary name. This has lead to an inability to qualify for a home loan because it has ruined my debt-to-income ratio. When filing disputes, the credit bureaus make it exceedingly difficult. I can not load the status of my dispute with Transunion, and the customer service representatives merely deflect rather than actually helping. I filed two disputes with XXXX with multiple documents to support my claim, only to be denied. Finally after multiple phone calls, I was able to have my sister 's name removed from my XXXX report, but they will not remove the student loan debt. The student loan servicer will not talk to me because I am not the person on their account.
Product: Credit reporting

The medical bill owed does not belong to XXXX XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for one bill that was reported twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus ( Transunion, XXXX, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 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 instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : Transunion - XXXX XXXX  - XXXX XXXX - XXXX
Product: Debt collection

Spoke with collections rep XXXX XXXX at Midland Credit Management XXXX MCM ) in regards to XXXX XXXX Card at XXXX XXXX on XXXX XXXX, 2015. He spoke with my husband before he got the permission from me to discuss the matters of the account XXXX the kind of debt and settlement ). He also brought his manager on the line XXXX XXXX and I Spoke with him starting at XXXX. He brought up other debts as well but never address the privacy violation of his associate but continued to try to collect. The rep went against privacy acts and FDCPA rules and never addressed the concern. They stated the call would be monitored and recorded, so they should have the call in their records.
Product: Mortgage

I would like to ask for your help : On XX/XX/XXXX, my mother, XXXX XXXX, signed a reverse mortgage for {$77000.00}. Unfortunately, on XX/XX/XXXX, my mother suffered a severe XXXX and became unable to work. She was never able to use the {$77000.00} reverse mortgage. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
On XX/XX/XXXX, I received the following response, which I quote verbatim : " 'These funds were not sent to your mother 's bank account, but were used to pay off a mortgage loan with Champion Mortgage. 

My mother 's guardian made mortgage payments totaling {$350000.00} to XXXX. Included in this {$350000.00} was {$77000.00} although this amount was never used. 
Is this horror story because I, as my mother 's heir, am a XXXX  XXXX? 
Please help me. I have all the relevant documents in my possession.
Product: Debt collection

I had several strange messages left on my phone ( XXXX ) XXXX that I did not recognize. The messages referred to a XXXX from XXXX XXXX XXXX and in referencing my property and they said if I did not call, I would be forwarded to my local jurisdiction. After two of these messages, I decided to call out of curiosity. A man named " XXXX XXXX '' answered the phone. He stated this was regarding a " debt '' from US Bank. he said the initial amount of debt was over {$3000.00} dollars and they were looking to take my property. I informed him that I did not receive a letter from the company and had no idea about the debt. he offered to settle the account for XXXX. I provided my debit and credit card information in good faith and if this was a valid debt, I would like to have paid it off. I signed several documents through XXXX. I was speaking to my girlfriend who told me there was a XXXX fraud going on regarding debt collections. Since this was a debt that I was not aware of. I happened to call US Bank to verify the debt, but the call center operator could not confirm the debt, in spite of being given the account number. Having reviewed the documents, the names on the documents were not consistent. I tried to find the Collections company but only found a similar company in XXXX, NY. Not in XXXX, CA. The name " XXXX XXXX '' is attached to XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have failed to uphold their grave responsibilities pursuant 15 USC 1681a ; 15 USC 1681b ; and 15 USC 1681c. They assumed a vital role in assembling and evaluating consumer credit and other information on consumers, yet failed to wholly and accurately investigate & report information on my behalf. Because of this, my report does not reflect information accurately across all three major credit reporting agencies and gives an unclear picture on my creditworthiness as a consumer. This is a direct violation of federal laws which constitutes the removal of all false and inaccurate information from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.
Product: Credit card or prepaid card

Amex Gold card had a sign up bonus of XXXX membership rewards points after spending {$5000.00} in the first 3 months. Spend requirement was met but Amex did not issue the promised bonus. When contacted Amex lied and said the cardholder had already earned the bonus. When asked to give the date and last 4 digits of the card that earned the bonus for this cardholder, Amex could not. The supervisor also could not come up with a legitimate reason to not issue the bonus yet Amex still did not. Amex also did not state while the card was opened that the cardholder was not eligible for the bonus as they claim they do with others. Any excuse they give should state the date that policy was implemented. Stating something that is policy today but not policy when the card was opened is irrelevant. I hope Amex does the right thing but it seems like Amex has become really shady in issuing bonuses and anyone reading this should consider of card options before rolling the dice with Amex make it seem like they do not care about their customers or their reputation.
Product: Mortgage

Issue took place on XXXX last month when the credit score update came out, I realized my credit scored dropped almost XXXX points! As I'm writing this complaint I'm finalizing my loan modification because I was on forbearance program for 1 year starting XX/XX/XXXX until XX/XX/XXXX with the amount to be deferred and pushed to the end of the 30 years loan plan. At that time my lender was " XXXX  ''. Now my loan got transferred over to my current lender " shell point '' who are taking care of the loan modification phase. so I called the mortgage company to make sure they don't report any late payments on my behalf especially that I pay promptly and on a regular basis but they told me that I was being reported to have 7 late payments disregarding the loan modification process.They set up a notary appointment and sent someone out to me on XX/XX/XXXX, the notary did not get the documents signed right and the paper work was not approved, during that down time my credit score dropped XXXX points although I am paying on time for current monthly payments and the delay in paper work was a mistake on their end. We had another notary appointment today XX/XX/XXXX and I would appreciate this to be investigated through.
Product: Credit card

I went to Best Buy in XXXX, MD to buy XXXXXXXX XXXX on XX/XX/year>. The salesperson signed me up for a store credit card I never consented to. I immediately asked him to cancel the transaction and paid with my own cash. 

I called Best Buy customer service to complain, and Citi Bank to remove the inquiry from my credit report. Citi Bank is the bank that provides store credit cards for Best Buy. 

Citi Bank assured me the inquiry would be removed due to the illegally processed credit card request. The inquiry still appears on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to renew my fraud alert with Equifax This problem is a yearly issue with Equifax not renew my fraud alert on my credit file I need your help with this problem I sent Equifax a certified letter with my driver license and my social security card to Equifax on XX/XX/2022 still unable to renew my fraud alert
Product: Student loan

I am currently a XXXX  student, I began school XX/XX/XXXX. I graduated from XXXX in winter of XXXX and i declared forbearance on my loans for as long as possible and noted to the company that i would be attending XXXX  school, yet I have 10 late/missing payments posted on my account for school loans.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to the information on my credit report in accordance with the provisions outlined in 15 USC Code 6802. As per my understanding of the law, specifically under 15 USC 1681b, it is prohibited to report information on my credit report, such as addresses, where I can not legally receive mail.

The current address listed on my credit report is not a location where I can receive mail, and it does not accurately reflect my current residential address. Therefore, I kindly request that only my current address be retained and listed on my credit report. 

I understand the importance of accurate credit reporting and its impact on various financial transactions. Ensuring that my credit report contains only accurate and up-to-date information is crucial for maintaining the integrity of the credit reporting system. 

Please take the necessary steps to update my credit report with the correct address information at your earliest convenience. If any further documentation or verification is required to process this request, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to receiving confirmation once the necessary updates have been made to my credit report