23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TRANSUNION credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$7300.00} ; DEPT OF ED/XXXX  XXXX Balance : {$44000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$22000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Debt collection

According to Section 392.101 of the Texas Finance Code prohibits a 3rds party debt collector from engaging in collections in Texas unless they have obtained a surety bond and it is file with the State. The Texas Secretary of State has no bond on file for Portfolio Recovery Associates. They are attempting to collect {$460.00} from me and are damaging my credit as a result. It does not appear they meet the State of Texas Licensing Requirements and are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 FTC VIOLATION XXXX XXXX, XXXX, AND TRANSUNION FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, XXXX, AND TRANSUNION REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXXXXX XXXX XXXX  I missed a payment as an oversight. I was contact ted by the company and they offered me a settlement plan and I set my payments at {$25.00} for 6 months because I was in the process of having my son XXXX  move him to XXXX and then move myself to another state. I thought I was doing the responsible thing so that I would not get in trouble during this huge transition ( I had to get this loan because the state had messed up and turned off my child support ). I was not informed when setting up this plan that they would be reporting me to the credit buraus. I would have never agreed to the arrangement if I had known that. I went to my credit union today to get a consolidated loan so I could pay them and other items off. I found out today that they can not do anything for me because of Prosper reporting me. In XXXX even thought I had paid until XXXX. My payment did not go through in XXXX. I was not contacted. I was very busy, and I thought everything was fine and being paid. They sent me to a right off. I have worked so hard to rebuild my credit and now it is ruined. I feel like I was set up to fail by them. I have nothing in writing. It was all over the phone.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Checking or savings account

1. I was charged a {$36.00} over draft fee for check number XXXX on XX/XX/XXXX. 2. End of day balance for XX/XX/XXXX was {$1.00} AFTER the {$36.00} fee. 3. This fee was based on PENDING items. 4. PENDING items are monies not yet requested by the merchant. 5. PENDING items do not always occur and some will drop off. 6. It is not accurate to access fees based on these PENDING transactions. 7. Accessing fees on PENDING items are nothing more than a money grab by irresponsible banking systems. 8. AND by assessing this fee now, those PENDING items, when or if requested by merchant will assess further overdraft fees. 9. Lastly, BB & T is noted as provider on my account, I was not, nor have I been a BB & T customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you
Product: Checking or savings account

BBVA won't allow me to close my checking account. Their interface won't allow me to transfer the remaining funds, and I can not transfer these funds via ATM, as I can't extract the exact cent amount from an ATM. They said they would send me a check in three weeks, which was now 2.5 months ago. And upon contacting them again, they just send the same canned messages. I really need to close this account and clean up my credit. Their support has been really horrible, as I've been unable previously to reach any support person by phone despite hours of wait. I never wanted to be part of this bank, as Simple ( my previous bank ) was purchased by them.
Product: Debt collection

I called Mortgage Solutions after receiving a hit to my credit, which showed my credit dropping and which referred to a deed lieu, which I don't have with them. This property was sold in a short sale, closed in XX/XX/XXXX, I received this notice in XX/XX/XXXX. I first called XX/XX/XXXX and spoke to a person who said they were with loss mitigation who gave her name as XXXX XXXX and who asked me to mail documents at the time to XXXX, her words went along the lines she saw an account open but could not understand why. She requested I send the documents I have, I emailed what I had, a letter stating that if there was any debt, Mortgage Solutions Financial would not come after me for, also a release of deed issued. She requested I call back and check if she had received them, called back there was no luck reaching her XX/XX/XXXX. XX/XX/XXXX was in was unsuccessful overall reaching someone, this at first was a series of phone tags, transfers went to the automated system, the automated system would not get me to a person. I then called XX/XX/XXXX, began speaking to someone I was transferred to, felt it was going well till I simply asked for a name, they hung up after giving me first name last initial, person, s name was XXXX XXXX On XX/XX/XXXX realized I missed call from a XXXX XXXX who I managed to get a direct number and email XXXX and email XXXX. He asked to send what I had sent before also snail mailed
Product: Debt collection

We had a scam on our house by XXXX XXXX XXXX of XXXX, Ms . The owner skipped the country with most of the money they collected. I have paid on this since XXXX to XXXX XXXX until they went into bankruptcy last year ( XXXX ). Since then I had been paying the Bankruptcy Division in XXXX, Ms . In XXXX of XXXX a company named XXXX XXXX XXXX took over. I have sent them copies of my cancelled checks for all of XXXX and XXXX. I happened to forget about XXXX XXXX payment and sent it in this XXXX with my XXXX payment. I have already sent XXXX XXXX payment to them but they keep sending a statement saying I have been delinquent since XXXX XXXX. At the time of the transfer to Clearspring I had to get them to deposit at least 3 month checks that they kept telling me they did not have. They finally deposited them. I do not want to lose my house over this. I have repeatedly tried to get this fixed. I have all letters, e-mail communications etc. with the Bankruptcy court and XXXX. I ca n't seem to trust anyone to deposit my checks so I can have proof. I do n't want to give them my card to take out my payments because I do n't trust them.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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 generallf, 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. Andaccording 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. 

Resources
Product: Mortgage

My wife and I applied for a loan modification with Wells Fargo. I lost my job during XXXX  and we struggled to pay our mortgage. We were sent out documents and were ordered to make 3 trial payments for 3 months which we paid. We were told that a notary would come to our house to notarize our paperwork but after several attempts they never got back to my wife. Soon after my wife, myself and kids all got XXXX  and set us back a month. We finally were able to complete the paperwork and send it in the prepaid XXXX  envelope that was provided from Wells Fargo. They never received it and were unable to locate it even though they had the tracking number for it. To this day it was never found and during the process of filing complaints they sold our mortgage and never honored the loan modification. They said they would give us another loan modification which would be {$300.00} more a month than originally quoted.
Product: Debt collection

Since XX/XX/2020 I have received eleven delinquent payment notices from ARstrat for XXXX billed items. In every instance I provided proof that payment had been made. For ten of the notices, I never received any follow up from ARstrat. In one instance, I receive a form letter rejecting my proof. I called ARstrat. They confirmed my payment had been made to XXXX and apologized for sending the form letter. 

A sample of my proof is attached. It was for ARstrats most recent notice. It contains a copy of the XXXX bill for the item cited as delinquent annotated with my payment date, check number, and amount paid. A second proof is from my bank statement attesting that the payment check had been cashed. When appropriate ( as here ), a third proof is the next month bill from XXXX showing that I had NO past due amounts. 

Clearly the basis for ARstrats collection letter is false information from XXXX. XXXX  accounting does not follow standard accounting practices. When my payment is received, it is simply applied to the oldest service dated outstanding item ( s ) in my account, not to its designated item ( s ). That old dated item may be a recently booked posting that has yet to be billed to me. Hence, paid services may appear unpaid or underpaid in my account and the old dated item never appears in any billing. Even more confusing, XXXX  billing personnel often can not determine from what billing date ( if any! ) a payment originated. Although Arizona law prohibits such procedures for billing business entities and third parties, they are allowed for individuals.

My latest collection letter from ARstrat ( sample attached ) does not contain XXXX reference number for the supposedly unpaid item. Earlier letters did provide these numbers. This is important, since some bills do include multiple billing items on the same service date for the same dollar amount. Distinguishing which one is the subject of a collection requires this XXXX  reference number.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Ongoing dispute. Credit card company instructed me to respond to their letter via mail. I did, with the correct email and case number, and a pdf signed letter of my response. This was done on XXXX XXXX, 2024. On XX/XX/2024, when I called to check on the status they said they had no record of my reply, and that they assumed the case was closed. They are using their lack of responsiveness as an excuse to close this case and not refund the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX  are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns Regarding zelles handling Of disputes, particularly In light of the most recent Cfpb Lawsuit highlighting Significant issues with the platform. Despite using Zelle on multiple occasions And reporting discrepancies My financial institution and zelle failed to investigate claims adequately. They informed me that Recovering lost funds Was impossible and tracking These transactions was unfeasible. The CFPB Findings indicated that Zelle Has not only neglected To protect consumers But also has allowed repeat offenders to exploit the system. Leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( TRANSUNION ) that ( account # XXXX ) with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was deleted from my crdit report. 

I have now realized that this same item was REINSETED onto my credit report! 

In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( B ) Requirements RELATING To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer, If any information that has been deleted from a consumer`s file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, this is a serious violation of the FCRAAND I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : 1. Incorrect Address : The correct address is XXXX XXXX XXXX, XXXX NH XXXX. I request that you update my address information accordingly and delete any information that is not the current address as listed above. Also delete ALL previous addresses on file.

2. Misspelled Name : The correct spelling of my name is XXXX XXXX. Please correct this error to accurately reflect my personal information and delete any name that is not listed as the name above. Also delete ALL known as names on file.

3. Only Date of Birth : XX/XX/year> I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible.

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address.

A recent utility bill displaying my correct address.

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

Please provide a written confirmation once the corrections have been made to my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the accurate personal information.
Product: Debt or credit management

additional information. With Disputes with Experian over 90 days regarding removal ltems o XXXX XXXX. XXXX XXXX XXXX has continued dispute which finger-hut corporation also hired XXXX XXXX XXXX XXXX XXXX  ..to distroy my credit scores XXXX Which l don't owe this company.. These are not my account l places fraud on my credit report .Which fingerhut XXXX doesn't have proof.. Experian credit reported stated they completed. Investigation. .With isn't true.. I request. Proof identification. Name address payment history., fingers. XXXX which XXXX  hasn't provided any PROOF... .90 days l received letter from XXXX. Request ENTIRE BILL PAID.? Isn't valid XXXX. XXXX. Hasn't provided any information 90 days Sent me a copy of payments history. Showing payment? .how much these items would cost nor owed? Nothing sho what has been paid. That isn't Accurate ... investigation no name on the same sheet. SSN addresses no information. On the attached Letter. Reques ... .ENTIRE Accounts Paid.? What item What lm makein payments on?
Product: Debt collection

I have XXXX debt from this agency on my credit from them this is n't mine from 2015