23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a former customer of XXXX XXXX, subsidy of XXXX XXXX. I purchased internet service from XXXX and leased a modem from the company. I disconnected the service XX/XX/XXXX ; paid the final bill ; and returned the company modem to XXXX 's XXXX, Texas location as directed by the company. 

XX/XX/XXXX I received a bill from XXXX regarding a balance due of {$82.00} for the 'unreturned ' modem equipment. I responded by advising my account is paid in full and the equipment was returned to the company as directed by the company and provided proof of delivery to and receipt by the company in the XXXX, Texas location. Later in XX/XX/XXXX, I received a collection letter for the account balance from XXXX XXXX XXXX. I responded to the collection agency with the same information I provided to XXXX including copies of the proof of equipment return. Although I requested written confirmation of my statement and more importantly, removal of the negative information falsely reported to the credit reporting agencies and codified on my report ; I did not receive any confirmation from XXXX nor their collection agency and presumed the matter closed. 

XX/XX/XXXX I received a new collection letter from a different collection agency demanding the same amount for the same reason. I have responded to the collection agency with the same information and proof false claims made by XXXX. XXXX XXXX dba XXXX XXXX has filed two false and fraudulent claims against me. Research has concluded that this fraudulent practice is very commonplace by the company and my complaint is far from being a lone complaint.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), {$3100.00} XXXX XXXX XXXX, {$23000.00} XXXX XXXX, {$2400.00} XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX, {$5000.00} XXXX XXXX {$670.00} XXXX BANK, {$1800.00} XXXX  XXXX XXXX, {$550.00} XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  ), {$690.00} XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX BANK, XXXX. ), {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ), {$1700.00} XXXX looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to 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 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage is reporting my mortgage payment as being late XX/XX/XXXX on XXXX 's report XXXX when there monthly mortgage statements does not reflect the same. XX/XX/XXXX report from XXXX 's report reflects 120 days late payment when I have monthly mortgage payments through XX/XX/XXXX. On XXXX XX/XX/XXXX, I forwarded PHH Mortgage a cashiers check for {$8600.00} for final payment of home after they refused to honor my request for Final Payment in XXXX & XX/XX/XXXX. This company is intentionally trying to destroy my credit by stating I am 120 days late in mortgage payments. PHH took over from Owens Mortgage XXXX XXXX while I was in Chapter XXXX proceeding which finalized XXXX XX/XX/XXXX and mortgage payments where up to date. If I could attached all monthly mortgage statements from month PHH Mortgage company took over, you will not find any LATE PAYMENT or PAST UNPAID AMOUNT from XX/XX/XXXX until XX/XX/XXXX in which payments are paid thru. This company is involved in unfavorable accounting procedure 's and destroying one personal credit. I recently had CFPB intervened on my behave XX/XX/XXXX to get final mortgage payment.
Product: Mortgage

I have had a mortgage for nine years. I was divorced in XXXX 2016. This whole last year my ex XXXX XXXX XXXX XXXX XXXX and has sqatted in the house without allowing the two sales for over full price. I kept this bank up to date on everything from day one about his XXXX and a court ordered XXXX That it was handed over to our lawyers to iron out any issues with this banks lawyers but to no avail. Then the bank said no to court ordered in deed of lieu to protect me from his deliberate attempts to ruin me. They screamed at me to pay all overdue funds when I was in hiding for my safety not saying anything to my ex who had been fired again for illegal behavior. This bank only protects those who do wrong and punishes the responsible home owners. All of our conversations where recorded, with bank employees screaming at me. It is now in a redemtion period and I was just qualified for a better rate and full mortgage but the mortgage division stated that my lawyers protected him and not me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX Amount : {$3500.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is under pending litigation, and as such, it is incorrect and premature for it to be listed on my credit report at this time. Given the legal circumstances surrounding this account, it should not be appearing on my credit report until the litigation has been resolved. The presence of this account in its current state is both misleading and detrimental to my credit standing.
Product: Mortgage

My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!!
Product: Payday loan, title loan, or personal loan

Made payment nothing was applied to balance.
Product: Debt collection

On or about XX/XX/2021 I contacted the original creditor ( XXXX XXXX ) with regards to the debt that has been forwarded to XXXX Account XXXX to which they are attempting to collect from me in violation of both Civil and Federal Rights. 

I had informed XXXX XXXX that no one had been authorized to open an account in my name and that I did not provide my explicit consent to authorize an account for electricity usage to be opened in my name at the property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX. 

I further informed them that for the 5 years of my residency at the said location the electricity had always been included in the rent because the electrical wiring was not up to building code nor was the property legally wired as a 3 apartment dwelling which would allow for the appropriately apportioned calculations for each unit. Therefore, the meters that had been installed were a result of criminal activity and a violation of the states building code at the time. XXXX XXXX intentionally ignored my numerous complaints and inquiries that followed soon thereafter my initial complaint in violation of my civil rights as an individual as well as federal rights as a consumer. 

In fact, the state 's city inspector affirmed that the meters were illegally installed and remanded the landlord XXXX XXXX XXXX to conduct the necessary repairs that would bring the electricity up to code at the above mentioned property. Attached is a copy of those said violations which clearly indicate that there was a jumper cable wire that still connected the 2nd and 3rd floor unit in order for the electricity to work because, the property had never been legally rewired in order to separate the electricity and install 4 separate new meters legally. 

Once again, I explained this to XXXX XXXX repeatedly and they did absolutely nothing to resolve the situation which will most likely end up in further litigation as the electricity should have never been transferred from the landlord to the tenant without my consent nor application. Especially, under the illegal circumstances and since, the landlord could not have legally made the tenants responsible for the electricity then this is not legally my debt. 

It's been nearly a year and until this date the property 's household meter still reads XXXX which is a clear indication of why this was all illegal in the first place. This is not my debt and these mega companies are way out of line. They will not be receiving a dime!!! Thank you!
Product: Debt collection

XX/XX/XXXX, I pulled a copy of my credit report and noticed Resurgent/LVNV Funding reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I learnt that this company is a third party debt collector and I realize It might have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that Resurgent/LVNV Funding said that the account belongs to me and it was reporting accurately.

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Resurgent/LVNV Funding needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Resurgent/LVNV Funding requesting verification of the debt. 

They responded on XXXX XXXX with a templated response stating that they are collecting on behalf of XXXX  XXXX. I do not even every remember having an account with XXXX  XXXX. As of the time of me filing this complaint. Resurgent/LVNV Funding is still on the 3 major credit reporting agencies. At this point all Resurgent/LVNV Funding did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX.
Product: Checking or savings account

Bank of America was advertising a {$300.00} bonus to open a new checking account with direct deposit of $ XXXX. Had direct deposit that met requirements but now bank is refusing to give me the bonus.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a letter from Capital One Auto Finance stating they attempted to pull all three of the major bureaus to obtain my credit reports. I have not had any contact with this bank regarding any auto loans and did not authorize them to do this. Luckily, I keep all 3 of my reports frozen until I actually need to use my credit. 

My problem is they should not be randomly attempting access to my credit without my authorization. What if I wasn't a smart consumer and hadn't locked down my reports? I have a major purchase coming up in the next couple of months and do not want random banks thinking its okay to arbitrairily attempt credit pulls they aren't authorized to pull.
Product: Debt collection

XX/XX/2020 I paid the full amount of XXXX $ to awa collections or 12 two jin inc. It's still on my XXXX  report does not showed I've paid I tried desputing but nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : ( Private XXXX  ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law, I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. 

Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. 

The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. 

Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days. 

Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred. 

Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. 

In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. 

If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. 
Here is the item I am asking you to verify as accurate : XXXX account : XXXX XXXX Equifax XXXX
Product: Debt collection

I disputed this collection account with all XXXX credit bureaus multiple times the latest date being XXXXXX/XX/XXXX. I have a collection account for the amount of {$770.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas XXXX XXXX which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a XXXX bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX of State. Furthermore, Sec. XXXX92.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas XXXX XXXX XXXX XXXX XXXX  as well and I request the immediate removal of this trade line from all XXXX credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Money transfers

I have been a victim of fraud and I want to stop the money from going thru.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to dispute inaccurate information that remains on my credit report, despite my previous attempts to resolve these issues through your dispute process. This ongoing situation reflects a broader pattern of noncompliance that was recently highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian. I am experiencing the same issues addressed in this lawsuit, and I demand immediate action to correct the inaccuracies on my credit report. 

The CFPBs lawsuit alleges that Experian has consistently failed to ensure the accuracy of consumer credit reports, as required under the Fair Credit Reporting Act ( FCRA ). Specifically, the lawsuit outlines Experians failure to investigate disputes thoroughly and its practice of continuing to report inaccurate or unverifiable information. I am now experiencing these very same failures, as your reporting includes information that is clearly inaccurate and has not been corrected, despite my efforts to resolve the matter. 

I am requesting a thorough reinvestigation of the inaccuracies on my report. Under the FCRA, you are obligated to investigate disputed information promptly and delete or correct any information that is found to be inaccurate or unverifiable. 

I have included a copy of my credit report with the disputed information highlighted, along with supporting documentation to show that the information is incorrect. 

This ongoing issue has caused significant harm to my financial well-being. Failure to address this dispute adequately will leave me no choice but to escalate my complaint by filing a formal report with the CFPB and pursuing further action to hold Experian accountable for its violations of federal law. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i review my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates XX/XX/year> XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank You, Please see screenshot attached