23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collections notice in XX/XX/XXXX from XXXX XXXX for a debt, that I don't owe. I can upload documenting that provides proof that the ledgers are falsified.XXXX XXXX has unethical business practices and are trying to collect rent from tenants and government assistance. My rental assistance was paid up until XX/XX/XXXX. There was a eviction case that was voluntarily dismissed due to the court findings of the rent being paid and no balance. In addition, the lawyer 's ledger contradicts XXXX XXXX XXXX XXXX XXXX which shows proof of falsying. In addition, I will show proof of payment that was paid in XXXX XXXX, therefore I could have no balance but on XXXX XXXX XXXX XXXX I have a false balance. There's uploads to refer to as proof. There's also a conversation with XXXX XXXX, property manager in XX/XX/XXXX about the {$3600.00} owed to me so I couldn't have a balance!
Product: Credit reporting

I have disputed an account with XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
Product: Credit card or prepaid card

I have had a capital one credit card since XXXX. On XX/XX/XXXX I advised capital one that I needed to buy urgent medication for my child in California. The closed my credit card. I immediately sent capital one my drivers license to prove its me. The employees were super unprofessional and non accommodating to help me remove the restriction. Finally XX/XX/XXXX I sent my drivers license again and again and it was Re opened. XX/XX/XXXX I paid my balance in full {$720.00} before my due date. XX/XX/XXXX they sent a letter to my moms address XXXX XXXX w non signature informing me they closed my card and I was rude. Today XX/XX/XXXX XXXX XXXX  informed me they lowered my credit capital one by closing my account and put a permanent remark about me to XXXX for 10 years. This capital one is unreal theyre rude unprofessional and did illegal things to me. Theres a class action lawsuit against capital XXXX XXXX dollars and XXXX XXXX customers were affected by their actions.
Product: Debt collection

On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.
Product: Mortgage

Violation of the contract per the HUD XXXX statement was noted on XXXX/XXXX/XXXX with a incorrect interest rate adjustment being imposed via XXXX mail. XXXX ( employee # XXXX XXXX in Special XXXX Department assured us it was corrected from 2.625 % to 3.25 % XXXX the correct interest rate adjustment ) and did not know why someone was going into our account at this point of the year and adjusting our rate incorrectly. Today XXXX/XXXX/XXXX XXXX employee # XXXX in a recorded conversation by me was not able to explain why the interest rate was adjusted again and why XXXX payment due was calculated wrong again. There is gross mishandling of accounts and poor customer relations ( ie calls dropped or transferred.
Product: Debt collection

I am a XXXX XXXX  XXXX XXXX. 
A XXXX and as such it is against FEDERAL LAW for any provider who accepts XXXX to bill A XXXX for any co pays or outstanding amounts. XXXX XXXX XXXX Continues to send this bill to collections agencys. They have been notified by XXXX Billing personnel and must cease billing or sending this bill to collections agencies in an attempt to threaten me and cause damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The amounts reported for these accounts are incorrect due to the non-reporting of payment for the debts and lack of disclosure. If these debts were purchased, then some payment must have been made, leading to the reported incorrect amounts. Unfortunately, my credit report does not include the account numbers, but this lack of accurate information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
I request that you investigate this matter and delete these accounts from my credit report immediately, as they do not accurately represent my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Bank of America due to their failure to resolve an unauthorized charge on my account and their inconsistent handling of my claim, which has led to a great deal of frustration and financial distress. 

On XX/XX/2023, I discovered an unauthorized charge of {$4000.00} from XXXX on my account. I promptly visited the Bank of America branch on XXXX XXXX in XXXX, CA, where they connect with the Fraud department by Phone. The Fraud department report that a claim has been open. 

However, when I followed up on XX/XX/XXXX for an update, I was informed that no claim had been filed. This confusion was exacerbated when I was told that a new claim could not be filed because one supposedly already existed for this transaction. This contradictory and confusing information has been a consistent theme in my repeated communications with the bank. 

I have called Bank of America numerous times, seeking clarity and resolution. Each call has resulted in either being told that no claim is on file or that a new claim can not be opened due to the existence of an alleged claim. This lack of clear communication and resolution has been both distressing and time-consuming. 

It has been over 30 days since the incident, and I am still without any definitive information or resolution. In addition, I have been unfairly charged interest on the disputed amount. I have reached out to XXXX directly at the Bank of America branch, confirming that they have no record of this rental transaction, indicating a clear case of fraud. 

Despite all evidence and my persistent efforts, I have received my XXXX credit card statement. I am being forced to pay not only the original unauthorized charge of {$4000.00} but also an additional {$150.00} in interest. The conflicting information provided by Bank of America representatives has left me in a state of limbo, unsure of whether a claim exists and unable to move forward in resolving this fraudulent charge. 

I urgently request your intervention in this matter. The handling of this issue by Bank of America has been inadequate and highly problematic, resulting in unnecessary financial burden and significant stress. 

Thank you for your prompt attention to this urgent matter. I am eagerly awaiting your response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit report due to inaccurate information, lack of verification, and non-compliance with consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX : {$330.00} Credit Bureau Reporting : Equifax Issues and Violations 1. Inaccurate and Unverifiable Information The account status is reported as closed, but there is no clarity on whether the account has been resolved. The balance owed remains at {$330.00}, but no payment history is reported.

FCRA Section 1681i ( a ) ( 1 ) requires accurate and complete reporting, but the account fails to meet this standard, rendering it unverifiable.

2. Dispute Status and Lack of Documentation The account is reported as disputed, with a reinvestigation in progress. However, no verification has been provided, and the account remains open despite this dispute. According to FCRA Section 1681i ( a ) ( 5 ), if an account is disputed and can not be verified, it must be deleted.

3. No Payment History or Past Due Amount No payment history or past due amount is reported. This missing information violates FCRA Section 1681e ( b ), which mandates the accurate reporting of payment history.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I had identity theft and I reached out to this company and explained the situation and they asked me to send in documents I sent in everything that was requested plus more to show them this really is not my account. They responded by saying it is my account and Im responsible for paying in. I then requested their legal department info and they said they can not give it to me. These types of companies think they can do say whatever they want to us and its ok. Even though there violating my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute letter to XXXX, XXXX, Equifax to remove negative items.XXXX, XXXX, Equifax then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$3400.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$250.00} XXXX. XXXX. XXXX, XXXX - Account : XXXX - Date : XXXX - Amount : {$320.00} XXXX. XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$670.00} XXXX. XXXX XXXX XXXX  XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$0.00}
Product: Credit card

I am a victim of identity theft and would like this removed from my credit.
Product: Debt collection

I dont not believe the debt that is reporting on my credit report is valid
Product: Debt collection

I have been getting constantly harassed and today it's peaked to 6 calls with some pretending to be fake employers or party goers. I have all this documented. The extent they are still going to do to me after I said many times to " XXXX XXXX and stop harassing me '' multiple times and excuse the language. 
It's driving me insane They would curse at me and constantly ask who is this or is this XXXX XXXX. They record me, i already have mine running and let them know. 

I literally saved 5 numbers just today that you can see patterns in their fake proxy numbers such as area codes. I got three texts from made up people that I called and they were made up. Id ask what their first and last name is. Today they went over overboard trying a new way to harass via pretending to be employers. 

I got screenshots of their texts and aliases used such as : XXXX ( XXXX XXXX  ), XXXX XXXX but signed as Nohely ( XXXX XXXX  ), and the best one, i also called and confirmed is first name and last name XXXX ( AT XXXX ). I called after I got up. They told me it's XXXX, first and last name. I hung up. 

Many of the fake numbers used you can XXXX where people confirm it's debt collector online. 

I believe the criminals are LVNV funding. I live in Florida where state law protects citizens from harassment such as I am going through. It's psychological damaging and I been diagnosed with XXXX and XXXX XXXX. Help stop them.
Product: Vehicle loan or lease

On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today 's date after consulting with Experian representative I have notice an incorrect amount reported belonging to XXXX. Investigating the representative told me that the company never reported since or incorrectly reported. The credit cars is 90 days delinquent for inaccuracy with debt paid always way before the due dates. Calling the credit card and asking for a manager the rep. Answered that no manager was on site so I got a supervisor. Explain the drama she wanted me to talk to a manager that mysteriously has appeared in the building. Explain again the latter, instead to recognize the mistake said that for security purposes she would not continue the conversation. No threats nor insults have been made on my side. This is the 2nd time this is happening with mistakes influencing credit scores. The situation must be correct once for all. I urge XXXX XXXX customer to check their reports amid zeroing incongruences. This company is managed overseas primarily in the XXXX.
Product: Mortgage

I am writing this letter because I have fought and fought to save my home in XXXX, Wells Fargo Bank N.A . have denied my application for modification I am afraid me and my children will become homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note to the Unites States, yet Wells Fargo Bank has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court went as far as to say the assignment was done by the attorney representing Wells Fargo Bank on behave of XXXX XXXX XXXX XXXX XXXX ( XXXX ) but it was not enough information to prove that the attorney was not employed by XXXX ; see Appellate No. XXXX. I have went as far to seek relief from Illinois Attorney general XXXX XXXX 's Office. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX,, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and the State 's Attorney General office?
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Payday loan, title loan, personal loan, or advance loan

The Account that appears on my credit is an account that was closed XX/XX/XXXX.
Product: Debt collection

XXXX account on credit report is in collections for no reason I have made my payments on my account but there are unknown charges on my account since XXXX i been trying to contact XXXX XXXX XXXX no response
Product: Mortgage

My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.
Product: Vehicle loan or lease

Under the laws of UCC 9.506 as well as the state XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure times were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordanceYou are required to provide me with copies of the legal notice and proof of the commercially reasonable manner of the notification and the resale of the subject vehicle. If no such proof is provided within XXXX  days from receipt of this certified notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

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

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, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have a PayPal account with my debit card attached.. Five unauthorized payments of XXXXXXXX XXXX ( XXXX XXXX ) were sent to a XXXX XXXX with a messageYou deserve it, brothe on XX/XX/2023. I dont know this person .. it says he has a XXXX  account and is in California. I never sent any money or authorized any money to go to this person. I filed a case with PayPal tonight and received notification that the charges were authorized and my case was closed .. this is absurd I dont know this person and never authorized payments or sent money to this person. In addition an unknown card was added to my account ending in XXXX I will never use PayPal again.
Product: Vehicle loan or lease

Yes I'm trying to find out what should I do because I found out TitleMax had made a settlement but everybody that did business with them and I did business with them so I'm trying to find out if I need to do anything to get restitution
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX transactions were made from my XXXX XXXX account without my knowledge to a number not in my phone or have ever had previous contact with. The persons number is ( XXXX ) XXXX XXXX. The amount they had sent themselves was XXXX  and XXXX dollars accounting for XXXX dollars. I had called my bank to dispute these charges. Because they are charges I did not make, month go by and I think all is well and then yesterday the money is taken again out of my account. Only to find out the bank said I did send those transactions over XXXX XXXX and XXXX confirmed direct transfer. When I contacted XXXX they said there was nothing they could do saying change my password essentially. But they all agreed those transactions were wildly out of character given my largest transaction to XXXX XXXX which I had personally sent was XXXX dollars. I have since had to file a claim with the XXXX and now going here because what I essentially am being told if someone get your XXXX XXXXh they can rob from you