23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2021, i sent 5 letters to cmre financial for the alleged debts of {>= $1,000,000} certified mail/RRR, this is one of the letters below and the others will be attached as well : CMRE FINANCIAL SERVICES , INC ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX OF Alleged Original Creditor Account Number : N/A Debt XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$1100.00} Dear CMRE FINANCIAL SERVICES , INC AND XXXX XXXX, XXXX. XXXX, AND XXXX XXXX : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Mortgage

Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to donate {$35.00} to XXXX XXXX XXXX. on XX/XX/2019. My credit card ( mastercard ) was by Bank of America. It was posted on my account in XX/XX/2019. I paid my bill when I received it. XXXX sent me a notice of late payment. I called Bank of America. They said they would investigate. I received another late notice from XXXX. My account with XXXX has been turned over to XXXX XXXX XXXX. XXXX says I owe them {$190.00} in late payments, fines and interest. My bank, Bank of America sent me a letter on XX/XX/2019 saying they resolved the case and credited my account {$37.00}. My credit score has gone from XXXX to XXXX because of their negligence. They owe me {$150.00} to pay back XXXX, and restore my good credit.
Product: Debt collection

I XXXX XXXX XXXX  XXXX Harassment or abuse-Per this statute I am reporting this company for unfair practices. I was called on XX/XX/20 at XXXX CT about a XXXX XXXX XXXX account. I told the collector that I can pay on XXXX as I had a wedding end of this month. He told me I needed to pay at least {$50.00} to hold the payment arrangement. If I did not pay this would go against my credit. I explained its already on my credit. He said collection efforts would continue so I told him to cease and desist all calls ( I am a XXXX XXXX for a debt purchasing company so well aware of all of this ) and that I would call back when I'm paid to resolve this account. He said again, collection efforts will continue, in which I told him I ceased ALL COMMUNICATION. He can not continue efforts. He then threatened me again with credit bureau reporting. I ended the call and called back requested a manager. I spoke to a nice lady who validated the collector should not have harassed me how he did and she would review the call. She also told me she could take my bank information to set up the arrangement. I did not set up arrangement due to the FDCPA violation. The collector could have easily resolved this account but decided to be combative with me, the consumer. I was willing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Product: Money transfers

I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.
Product: Credit reporting or other personal consumer reports

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 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  
I am a victim of fraud and/ or identity theft. Each of the accounts and transactions I disputed were opened and maybe by someone with a similar name as me or pretending to be. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four 4 days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B (15 U.S.C. 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S.C 1681i (a)(1)(a) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the dispute was received unless the account is determined to be frivolous or irrelevant. FCRA 605B (15 U.S.C 1681c-2) Block of Information Resulting from Identity Theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency In accordance with the Fair Credit Reporting act The above Companies has violated my rights. Code 1681- Congressional findings and statements of purpose (a) accuracy and fairness of credit reporting. Congress makes the following findings the bank 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. 15 U.S.C code 1666 Correction of billing errors 15 U.S.C Section 1681e(b) for a consumer reporting agency (CRA) to "assure maximum possible accuracy" in its credit reports, 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions
Product: Debt collection

I just reviewed my Equifax and XXXX credit reports and there are unauthorized and inaccurate accounts. 

Please see the attached files I sent to the Bureaus. They have not responded to me yet
Product: Debt collection

Convergent Outsourcing account : # XXXX XXXX  account # : XXXX XX/XX/XXXX To Whom It May Concern, This reply is in response to Convergent Outsourcing letter dated XX/XX/XXXX, which I received from your office. As a result of my investigation, I am replying with the following information : I sent the first debt validation letter to Convergent Outsourcing Inc., XX/XX/XXXX. The next debt validation letter was sent on XX/XX/XXXX, I sent a debt validation letter to Convergent Outsourcing requesting additional information. I sent a third debt validation letter on XX/XX/XXXX. Convergent Outsourcing did not respond to any of the requests sent. On XX/XX/XXXX, I received a letter from Convergent Outsourcing requesting I submit a fraud claim for the account in question. I do not have a contract with Convergent Outsourcing and will not be providing my drivers license, social security number and/or any personal information. This is a stall tactic and again, Convergent Outsourcing has had more than 3 months to provide the required debt validation information under the Consumer Protection Act. Therefore, the debt Convergent Outsourcing is attempting to collect must be removed from my credit file immediately. In addition, XXXX confirmed XXXX did not release the debt from them until XX/XX/XXXX. By law, ( 3 ) companies, XXXX, XXXX and Convergent Outsourcing can not collect on the same debt, at the same time. Convergent Outsourcing has failed to provide a signed contract by me, nor have they completed the required by law, debt validation I have requested on XX/XX/XXXX. 

Please remove this account from my credit report effective immediately. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX 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: Debt collection

on XX/XX/23 I was contacted by and unidentified person claiming to be a debt collector for a debt that was not acquired by me as a consumer. I was notified the call was being recorded and I informed the collector that I have no knowledge of the fraudulently opened account. I did ask what information was used to obtain this account and the little information I did receive was false information.
Product: Checking or savings account

Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.
Product: Checking or savings account

Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients. 
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information to credit reports ( transunion, XXXX XXXX XXXXXXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank modified all of my bureaus but lately with XXXX so Comenity Capital violated many ways such as my privacy rights and doesn't have my rights anymore because account is sold but how it is sold to XXXX and Comenity Capital still on my credit report without my written permission to furnished on my credit report it is like triple jeopardy! 

I previously complained to XXXX and it is being modified but look at attached which is lot of violated in many ways with different dates, status : open, closed, last payment I do not make any paid this year that's LIE! Comenity is making my credit report " re-age '' to stay remains when it could've been deleted/removed from my credit reports by now or they should've changed to XXXX XXXX but instead they left my credit report so bad but they do not have a control to report it especially they sold the account but how they still remain as Comenity on my credit report. Third-party such as XXXX doesn't have my signed original because I do not sign contract with them or have written permission to furnished my credit reports. 

In accordance with the XXXX XXXX XXXX Act.Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 or consent.

15 U.S.C. 1692c states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

I purchased merchandise from an online vendor on XX/XX/2020. Shortly thereafter I reached back out to the vendor for tracking information for the merchandise. The vendor at this point stopped responding to me and ultimately blocked me from contacting them any further. The vendor turned out to be a fraudulent company. I filed a claim with my bank, Bank of America, to recover the funds. After a week or so I was notified that they would not investigate the claim any further or reimburse me. This is shocking and burdensome, as I discussed with a customer service representation yesterday. Especially since I have in the past had a claim resolved and paid by Bank of America and the transaction was made exactly the same as this one. How is a financial institution not adhering to a consistent policy - he had no explanation as to why one claim was paid the other was not. This is not an acceptable answer.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their failure to investigate disputes in compliance with the Fair Credit Reporting Act ( FCRA ). Despite disputing several inaccurate items on my credit report on three separate occasions, Equifax has failed to adequately address my concerns.

Specifically, Equifax : Did not provide documentation showing how the disputed items were verified or updated.

Did not include the legally required " notice of dispute '' on the accounts in question, which is a direct violation of the FCRA.

I have attached supporting evidence for your review, including copies of my dispute letters and Equifaxs responses ( or lack thereof ).

This lack of compliance has caused me significant distress and has negatively impacted my financial well-being. A fair solution will be to remove the accounts immediately. I request that the CFPB investigate Equifaxs handling of my disputes and take the appropriate action to ensure compliance with federal regulations.
Product: Mortgage

talked with them, and they they wont work with me.after changing home owners insurence.and they still want money for a policy i no longer have.
Product: Credit card or prepaid card

On a continued basis, America First Credit Union seems to place roadblocks making it extremely difficult, if not impossible to make payments to them in a timely manner. One would think that a creditor would do whatever possible to make things easier for consumers to make their payments but throughout our dealings with them theyve made it more and more difficult.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 15 USC 1681 Section 602a States I have the right to privacy.

15 USC 1681Section 602a Section 2 states that a consumer reporting agency can not furnish an account without my written permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This item is reporting a late payment during which time i was in a extension
Product: Credit card or prepaid card

My husband wanted to add me to his account just as a Authrorize user then I received the denile letter so since it wad XXXX I responded and I was transferred to 8 represanative and none of them will tell me what was the problem they all kept asking me name address etc and transfer me to the next represantiven so finally the last rep asked me if I ever had any American Express card under my name and I said no I was always a card user not card holder then he said some one used my info and opened account so he said not to worry u wo n't be responsible for the chargers and they will clean up the 3'credit buera and I will receive a letter So yesterday I received a letter that they went in to my history and dig up my chapter XXXX bankruptcy whick they had no business dig that out I was discharged and cleared of everything by a bankruptcy court I am very disgusted and angry About American Express fishy and suspicious conduct The fact that they played me stupid and pkay this fruad game on me is pepostress and unexceptable My husband was just wanted to XXXX me to his card as a user I need cfpb to pay a close attention to this XXXX conduct of American Express And contact me asap