23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear ASSOCIATED CREDIT SERVICES ; XXXX XXXX ; This is fraud and duplicate account reporting. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.

again. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

I applied for a refinance with Citibank. I was attracted with a {$1000.00} discount on closing cost. I had closed on the refinance. I haven't received my {$1000.00} discount. I have asked Citibank a couple of times. I have always been told to wait.
Product: Debt collection

Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.
Product: Payday loan, title loan, or personal loan

Sent validation letter to XXXX XXXXXX/XX/2021. Received letter from Creditor XX/XX/2021 stating could not investigate my dispute. Creditor keeps selling loan to different collection agency. 3rd collection letter received from different collection company XXXX XXXX. Agreement and signature not provided.
Product: Credit reporting or other personal consumer reports

I signed an ISA agreement to start paying ONCE i am making {$40000.00} at a job I got. I never got this job yet, and my credit has been getting hit month after month. It went from XXXX down to XXXX... This ruined my life essentially, I can not get a car or anything. 

I have all supporting documents showing I did not need to make payments until I secured a $ XXXX Job. I worked at XXXX XXXX XXXX earlier in 2024 which wasnt a year round job. Then I got a contract job for software engineering only making {$300.00} a week so I could get experience on my resume. I really need help here please. 

I originally signed the agreement with XXXX, but it ended up going to " Clasp '' Which I was not aware of..
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX with Transunion and debt rec sol, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to Transunion, XXXX AND XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Equifaxs Failure to Adhere to FCRA Requirements for Victims of XXXX  and Blocking Information Date of Incident : XX/XX/year> Equifax Dispute Submitted on : XX/XX/year> at XXXX XXXX ( USPS Certified Mail Tracking Confirmation ) Complaint : I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically related to protections for victims of XXXX under FCRA Section 605C ( 15 U.S.C. 1681c-3 ) and the obligation to block certain adverse information from consumer reports within the prescribed timeline. 
Background : On XX/XX/year>, at XXXX XXXX, Equifax received my dispute through certified mail, as confirmed by the USPS tracking receipt. In this dispute, I provided evidence that I am a victim of XXXX and requested that certain negative information be blocked from my credit report as per my rights under FCRA. 
According to the FCRA Section 605C and associated guidelines, Equifax was legally required to block the negative information from my consumer report within four business days of receiving my submission. This information has not been blocked as of today 's date, and I have not received any explanation or communication from Equifax justifying this delay or failure to act. 
Relevant Laws & Regulations : 1. FCRA Section 605C ( 15 U.S.C. 1681c-3 ) : o This section of the FCRA grants victims of human trafficking the right to have adverse information related to their trafficking experience blocked from their credit reports. Upon receiving appropriate documentation from the consumer, a credit reporting agency must block the specified adverse items within four business days.

2. 15 U.S.C. 1681i ( Dispute Resolution ) & 15 U.S.C. 1681s-2 : o Equifax has an obligation to conduct a timely investigation of disputed information and can not delay or ignore a dispute submitted by the consumer, especially in the case of special protections for XXXX  victims. Failure to investigate or correct inaccuracies can constitute a violation of the FCRA.

3. CFPBs Authority under 12 U.S.C. 5511 ( c ) : o The CFPB is responsible for enforcing consumer protection laws, including the FCRA, and ensuring that credit reporting agencies such as Equifax comply with the law.

Requested Action : I request that the CFPB investigate Equifaxs noncompliance with the FCRA and take appropriate action, including but not limited to : Immediate removal/blocking of the disputed adverse information in compliance with FCRA Section 605C.

Corrective action to ensure Equifax implements processes that meet the timeline of four business days for blocking information as required by law.

Any other penalties, fines, or disciplinary actions that are deemed necessary under FCRA for failure to adhere to legal obligations.

I appreciate the CFPBs assistance in addressing this violation and ensuring that Equifax complies with federal law, particularly for vulnerable consumers like victims of XXXX.

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

I checked my credit report and was still disappointed with it because there are still inaccurate accounts on my credit report. Please check the documents I've sent regarding this matter.
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. 

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

This complaint is in conjunction with ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase for XXXX ( XXXX XXXX  ) on XX/XX/2022 to be sent to my XXXX XXXX  address on Binance.us I made the purchas using a XXXX ATM The transaction appeared as " Failed '' Due to the failed transaction Binance.us has locked my account due to no fault of my own. 
I have contacted XXXX ATM and they have told me the XXXX was successfully sent from their end. I will include an email showing customer support has sent me the confirmation hash Below is my binance.us account information Name : XXXX XXXX Email associated with binance.us : XXXX Binance User ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is Credit Control.
Product: Debt collection

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00} {$1000.00} Payment Info Original loan amount {$1000.00} Balance {$1000.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX, MDXXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2021, I sold an item on XXXX. I am not a dealer and it was a one-time event. My sister who llved near the buyer handed him the item and he paid me {$80.00} via PayPal. The money showed up in my account right away. When I clicked on the link to accept the funds, I was given 3 options : 1 ) Transfer it to your bank. 2 ) Keep it in Paypal, which involves setting up a PayPal balance account and 3 ) " Get a check by mail instead. '' Not wanting to give PayPal my bank info or set up a balance account, I chose option 3, the check. That gave me 2 more options -- to get it in minutes for a 1.5 % fee or in 1-3 days for no fee. I chose the latter. But when I clicked on that, I was asked to link to a bank account.

Again, I do not want to give PayPal my banking info. They already have my credit card. So
I was stuck with no way to
claim my {$80.00}. I called PayPal in XXXX but the customer service person was unable to help me get a check mailed to me. I called Paypal again today and got the same response. It is not right that PayPal has been holding my money hostage for more than 4 months and there is apparently no way for me to access it without allowing them access to my bank account or setting up a balance account with accompanying fees. I feel robbed. Please help. They should not be allowed to get away with this. 
I have attached screenshots from my PayPal account, some of which I captured in XXXX but I checked and they appear exactly the same today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and Equifax all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Product: Mortgage

Bank of America Appeals Department GRANTED Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) and directed the Bank of America Underwriting Department to forward borrower to MHA HAMP Trial Payment Plan ( TPP ) on XXXX XXXX, XXXX on a escalated case requested by me, but never ordered me, the borrower, a MHA HAMP TPP on or after a MHA HAMP was approved based on my XXXX XXXX Request for mortgage Assistance ( RMA ) complete package was received and an initial evaluation was conducted in XXXX XXXX resulting in a MHA HAMP denial on XXXX XXXX, XXXX that was timely appealed in XXXX XXXX for which a written determination was never issued by the Bank of America Appeals Department to the borrower. However, the Bank of America Underwriting Department issued several written correspondence to me, the borrower, stating MHA HAMP was denied on appeal after the Bank of America Appeals Department granted MHA HAMP. Bank of America and their representatives have made knowingly false statements by representing to me material facts related to my home loan mortgage account during the modification and loss mitigation processes and are guilty of the following in violation of RESPA enforced by Regulation X, MHA HAMP Guidelines, California Civil Code 2920 through 2944.10, California Code of Civil Procedure 2015.5, and their duty owed to me as a disstressed borrower who was proactive at a time when it was clear I would not be able to continue to pay the then monthly installment amount per the XXXX Deed of Trust : Poor and Deceptive Practices ; Modification Fraud ; Mortgage Fraud ; Foreclosure Fraud ; Intentional Infliction of Emotional Disstress, and ; Negligent Emotional Disstress. 
Also, as a matter of law, regulations, and guidelines I am still considered pending in the modification and loss mitigation processes and no negative credit reporting is to occur. Specifically, the bank, the servicer, and their representatives are not to assess late fees or report a late or missed payment while workout assistance is pending and are to make any required fee adjustments and credit reporting corrections upon completion of the modification and loss mitigation processes. This has not been the case in this instance and not because Bank of America believe that I am currently pending in the modification and loss mitigation processes.
Product: Credit reporting

I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please remove the security block that is on my account- a letter, my drivers license, and social security card are attached to verify my identity.
Product: Vehicle loan or lease

My husband XXXX XXXX, scheduled an online payment of {$460.00} for XX/XX/19. Ally Financial processed the payment as {$1700.00}. We notified Ally on XX/XX/19 of this error and they processed a refund request confirmation # XXXX for {$1200.00}. Which would be the {$1700.00} - {$460.00} that the online payment was suppose to be. We were contacted XX/XX/XXXX and told that the refund would have to be for the full amount of {$1700.00}. We spoke to Supervisor XXXX, she processed confirmation # XXXX. On XX/XX/2019 we again were contacted by customer service and now told they are refusing to refund the amount because account would be 90 days delinquent. We stated that we would be making 2 payments immediately upon receipt of funds. They did not care and absolutely refuse to return funds. Even though we informed them that this mistake has caused us numerous issues at our bank.
Product: Vehicle loan or lease

The car was repossessed and sold. When asked if it was sold I was told no. I was informed by XXXX police it was sold. I requested a 1099 they refused it give it to me. On my credit its reported as a lost and charged off. Car was repossessed due to not being able to pay due to having covid 3 times and following behind. This information was relayed to the company but no assistance or response.
Product: Mortgage

XXXX sold my mortgage to Specialized Loan Servicing on  XX/XX/2019. Since XXXX, Specialized Loan Servicing has repeatedly refused my mortgage payments. They have  inaccurately changed the amount owed to reflect a significantly higher amount. The escrow itemization is also wrong. I emailed and repeatedly called SLS attempting to pay and explain the inaccuracies without success. I even emailed the CEO asking for his assistance to correct our escrow and accept payment. I received a reply from his email stating he was on vacation and would respond when he returned. Unfortunately he never responded. Our home 's value is almost {$100000.00} more than what we owe SLS. The law firm XXXX XXXX XXXX XXXX located in XXXX is representing SLS, and auctioning our home tomorrow at XXXX XXXX in XXXX county, Alabama. Last month, I was forced to file the attached lawsuit because SLS refused to accept our payment and explain to us why we owe the inflated amount. In XXXX, XXXX and XX/XX/2019 I was told by SLS representatives repeatedly they didn't have all of the documents to confirm the accurate amount which is why they couldn't accept my payments. How could they foreclose on my property when they admitted to not having the proper documentation yet from the recent sale from XXXX? It has come to my attention that an associate of XXXX XXXX XXXX XXXX has a vested financial interest with Specialized Loan Servicing. Is that a conflict of interest? It appears SLS purchased my mortgage with the expectation of foreclosing on my property without allowing me an opportunity to question the inconsistencies. I argue that our lenders and servicers have exploited our mortgage account for financial gain with intent to cause my family financial harm. I ask CFPB to fully investigate this matter, and know that I am prepared to pay what I accurately owe. I beg for your immediate assistance investigating this matter to the fullest extent possible.
Product: Credit card or prepaid card

XX/XX/XXXX I recieved a new wells frago credit card. I call wells frago to activate my card. The customer service agent asks for my checking account information. The customer service agent types in the checking account information incorrectly, missing one number. From XX/XX/XXXX till XX/XX/XXXX all my payments came back as insufficient funds on the wells frago side, even though all the funds were in my checking account. XX/XX/XXXX I call in to make my usually payment. I describe my issue with the customer service agent XXXX. She says let 's check the information to see if we have everything correct. XXXX discovers the checking account number was off by one number, a single digit. Wells Fargo found all this information in their systems. But they refused to take any responsibility.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name 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 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 XXXXXX/XX/XXXX