23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was offered a letter from XXXX XXXX to pay my account for the amount t of {$350.00}. I advised the customer service representative if I go to XXXX XXXX I can make my final payment for the amount offered to pay in full, I would be in good standing and would not owe on my account. I have always made my payments to XXXX XXXX. The customer service rep states that would not be a problem my account would be in good standings with a XXXX balance. I also advised I had a death in the family and got sidetrack due to planning the arrangements. I paid the payment, and ask the customer service Representative if she could waive the late payment as a courtesy the rep said she would and I was at a XXXX balance. I also let the customer service rep know that I would be moving out of county and that is why I wanted to pay my account off in full, so I would not have to worry about any bills due. Fast forward a XXXX years I have a report from XXXX XXXX I owe them more the {$700.00}. I called them regarding this matter and they would always advised me they could not assist me since the account was sold off and would have to contact the creditor that purchased my account. I called each creditor and was given the run around stating they could assist me since the account was sold to another company. I submitted several documentation stating that I paid my bill and submitted proof of payment from my checking account and also submitted documents from XXXX XXXX I had a XXXX balance the late fee should have been processed and taking care of by the customer service rep. I tired to do the correct steps to issue this off my credit report. Can you please update my credit report since I do n't owe any balance to XXXX XXXX or any other creditor. Can someone please call be back with an update of my case when this is removed off my credit report. I also submitted more info to the creditor with the documents that can support this claim and complaint. I do have the documentation to submit to you, but my system does not allow me to attach the sheets. Can I please forward them to you using email? 

Thank you, XXXX
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 bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : 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

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the accuracy of information on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I recently reviewed my credit report and discovered a serious discrepancy that demands immediate attention. It has come to my notice that the reported account, specifically the XXXX  XXXX bankruptcy discharged, inaccurately lists the Bankruptcy court as the furnisher. This assertion is not only misleading but constitutes an act of forgery, as the courts, upon inquiry, have confirmed that they do not report such accounts.

Under the provisions of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), credit reporting agencies are obligated to report information with 100 % accuracy. However, in this case, the information provided is not only inaccurate but also involves the fraudulent use of the Bankruptcy court 's name. I have contacted the courts in my state, and they have categorically stated that they do not serve as a furnisher for credit reporting agencies. This discrepancy constitutes a serious violation and will be reported to the appropriate authorities.

To further clarify, a data furnisher is an entity responsible for reporting accurate information about consumers to consumer reporting agencies. Examples of furnishers include banks, credit unions, and other financial institutions. However, in this instance, the reported furnisher, the Bankruptcy court, is not a legitimate source for credit reporting purposes.

I have previously disputed this information under the provisions of 15 U.S. Code 1681s2, yet the furnisher failed to respond. Subsequent attempts to resolve this matter directly with the supposed furnisher have been fruitless, as they have asserted that they do not engage in reporting to credit agencies. This lack of communication with the source further emphasizes the inaccuracies in the reported information.

According to 15 U.S. Code 1681i ( 2 ) ( A ), a consumer reporting agency is required to provide prompt notice of a dispute to the furnisher of information. In this case, the furnisher should have been notified promptly, and the disputed account should have been appropriately notated on my credit report. However, it appears that this process was neglected, and the Bankruptcy court 's name was erroneously included on my report.

I am demanding the immediate removal of this inaccurate item from my credit report. Failure to rectify this situation promptly may result in legal action, as the inclusion of false information on my credit report constitutes a criminal act of forgery. I expect to receive confirmation of the removal of the disputed account and appreciate your cooperation in this matter. 

Account Name : XXXX  XXXX Bankruptcy Discharged Reference Number : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution
Product: Debt collection

I have a collection on my credit report apparently from XX/XX/2013 which I was not aware of. I lived in an apartment complex gave a 30 day written notice and verbal notice a few times, then moved out before the lease was up. I saw on the credit report there was a collection charge in my account in XX/XX/2013 I disputed it and moved on with my life. I didnt hear anything about the dispute thought it was taken care of. Now when I'm trying to love again the same collection is still on my credit report. I called and spoke with a guy there he claims I owe more money then what was or has been reported for the last 7 years. I told him i disputed it on the credit yesterday and years ago. I even told him 2 people where on the lease at the time. He tells me that only 1 person signed the lease and that the other person only signed the application which isnt true. I dont see how I can dispute something years ago and apparently they didnt respond to me disputing again and tell them and now they respond years later and then change the amount. This isnt fair and isnt that illegal after 7 years to all of a sudden change the amount when I confront them about it. Even though I dont owe anything I even offered to settle for XXXX and I want a letter saying this issue has been resolved asap. He said he would forward to his client the apartment complex which I talked with yesterday and they are looking into the matter as well even though they're the new company coming in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of XXXX XXXX XXXX XXXX XXXX. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Debt collection

American Coradius International LLC contacted me on XX/XX/2022 to inform me they were attempting to collect some debt they alleged I owed. I informed them that I only wanted to be contacted via mail and did not want to receive calls from them any longer. I told them to expect a written response from me in the near future regarding the matter. 

Despite verbally telling them I did not want to receive calls I was again contacted XX/XX/2022. I spoke to the rep and told him that on the previous call that I did not want to be contacted via phone. The rep said that there were no notes on my account stating this. I asked the rep if calls were indeed recorded and he confirmed then hung up the phone. 

On XX/XX/2022 I received a THIRD call as I was rushing to catch a flight at the airport. Since the call came from a local area code I thought it was my assistant providing me important details I needed for my flight instead it was American Caradius International LLC calling yet again to try to collect this alleged debt from me. I spoke to the rep and asked her why I was being contacted after telling them TWICE already that I did not want to receive phone calls. She tells me that there were no notes on the account about this even though they claim they record phone calls. This is unacceptable and a clear violation of my rights. It is my understanding that debt collectors are prohibited from communicating with a person in connection with the collection of any debt through a medium of communication if the person has requested the debt collector not use that medium to communicate with the person. 

Prior to receiving the THIRD CALL I verbally stated TWICE that I did not want to be contacted by phone.
Product: Debt collection

NOTE : On the next page, I will supply the last 4 digits of my husband 's social security number because the debt is his, NOT mine. 

They are calling & texting the WRONG PERSON! This is my husband 's debt, that he took on independent from me, without my knowledge or consent. I responded to their text messages informing them that they were contacting the wrong person at the wrong number. I gave them his phone number, & yet they continue to harass me. 

I have been receiving repeated phone calls & text messages from Capital Link Management or Capital Management. I did not answer the calls because I did not have any business with the company & didn't recognize the name. Then the text messages started on XX/XX/2023. I don't even know how they obtained my cellphone #, because it's independent from my husband 's. 

Text Messages : XX/XX/XXXX- they offered a settlement through text message and asked him to reach out to XXXX XXXX. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement on my husband 's behalf. I responded that they had the wrong number & supplied his phone #. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement. I again responded telling them they had the wrong person & number & supplied the correct number. I also told them that I wasn't on any account associated with his debt & was not responsible for it. I asked them to please confirm receipt of my text message & received no response. I stated that if they were capable of sending text messages, they were most certainly capable of reading them. 
XX/XX/XXXX - yet another debt collection text message. 
XX/XX/XXXX- another debt collection text message. I replied in anger, telling them that they were harassing me & I was going to report them. 

Calls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX. 

There may be other calls & text messages that I overlooked, as around the same time I was receiving calls without caller ID. 

This is a violation of FDCPA ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was compromised by the breach of Equifax secure servers. The company has offered some mitigation but has required waiving rights to pursue legal recourse. The company has been grossly negligent and should not be exempt from damages. It should have protected consumer personal and financial information and accept responsibility for shoddy cyber security. It must provide credit monitoring and identity theft protections and be able to compensate consumers for any losses they incur as a result of Equifax XXXX
Product: Credit card or prepaid card

XXXX/Comenity/Victoria A fraud packet was sent to XXXX XXXX XXXX and XXXX which is complete and within the parameters to be blocked under section 605B. Block of information resulting from identity theft.

Per XXXXXXXX they stated that once they receive my packet, upon initiating the dispute, XXXX sent over a copy of the affidavit as well as the police report and all relevant documentation to assist in their fraud investigation. 

Upon communicating with Victoria fraud department, they stated that they did not conduct a fraud investigation in fact, they said they only investigated it as a dispute and were not in possession of the documents sent to XXXX. 

The process governing investigating identity theft claims was not performed in this situation. Documents that were supposed to be provided were not provided, and Victoria secrets corporation failed to conduct a fraud investigation on this account which created a long term insertion of this fraudulent information on the credit report. 

If the collection agencies fail to do a proper investigation into identity theft, then the consumers left no true and honest way to correct their issues from being victims of fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 there was a transfer of {$400.00} plus a {$4.00} fee out of my PayPal account sent to an individual I do not know and I did not add the contact or make the transfer. On the same date I found unauthorized activity in my bank accounts. I contacted the bank immediately and they assisted with account closures and filing the disputes. I filed an identity theft report at XXXX. I am pulling together all of the paperwork to file a police report. I contacted PayPal and told them this was unauthorized and I am a victim of identity theft, but their response was it is not covered under their buyer protection plan.
Product: Student loan

I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA.

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action.

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX derogatory marks on my credit report are wrong ; stating when the accounts were opened : XXXX reports on XX/XX/XXXX from Capital One, XXXX report on XX/XX/XXXX from Capital One, and XXXX report on XX/XX/XXXX from XXXX  XXXX. I have not opened a credit account with anyone since XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of recent CFPB lawsuits, highlighting significant issues with the platform, despite using Zelle, numerous amounts of times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They inform me that recovering lost funds was impossible, and that tracking these transactions was unfeasible, the CFPB findings indicates 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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Equifax accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Equifax conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/2008 a CD opened with Wachovia bank in the amount of XXXX XXXX dollars. Now years later looking through my deceased wife 's records I found a cd she opened with BOTH our names on it. I do not know where this money is. Repeated contact with Wells Fargo has not been able to tell me what happened to this the account # on the CD isXXXX
Product: Debt collection

I currently have an active Charter Communications account and I recently received a letter dated XXXXXXXX  from Amsher Collection Services Inc. stating I had an old balance of {$66.00} owed to Charter Communications. I figured this was a billing error on Charter Communications end, as these charges were not on any statements over the last few years, so I called Amsher Collection Services to dispute the debt. They were not able to give me any information on the debt and what it was from. They told me that I had to reach out to Charter Communications to get information on the debt. I called Charter Communications and they also were not able to give me any information on what the debt was from. I told them it must be a billing error then, because I have had active service with them for years and never once have they informed me of a balance due. I told them I would not be paying it until they could tell me what the balance was from ( as i had returned all equipment ). Even after disputing the balance with Amsher Collection Services, they went ahead and reported the balance to my credit reports and they have refused to remove it. They have only updated it with an incorrect partially paid status. I have called both Charter Communications and Amsher Collection Services multiple times to get this rectified, and they refuse to do anything about it. I informed them that they are leaving me no other option but to file compliants and lawsuits over this, which I dont want to do, but they still refuse to fix the issue. This never should have been reported to the credit bureaus if they didnt verify the debt and send me written notification on what the debt was for.
Product: Checking or savings account

On XX/XX/XXXX, I had incident with American Express where I decided to terminate my dealings with them. I closed both credit card accounts ( one that has a credit balance, and they still have not refunded ), multiple savings accounts and requested 4 CD accounts to be closed. They sent me forms to close the accounts. I returned one for the account maturing XX/XX/XXXX, but never received the funds. When I called to inquire, they said they rejected the form because the account was in the wrong place. This rejection was never communicated to me. Although I have already submitted the required form, they state a new form must be submitted, and the account will now have closure penalties. I wish for american express to do as initially instructed and close the account as requested, and return my money, as well as to refund the credit balance on the credit card that has been closed.