23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Debt collection

ON XX/XX/2018 I received a call from XXXX. A woman was on the line. very polite, noting the call was being recorded and asking if she was speaking with XXXX XXXX ( although I already answered the phone, " XXXX XXXX '' speaking ) and providing a " birth date '' asking me to confirm. I asked her what it was about and refused to confirm information. She then put me on the phone with the Manager " XXXX '' who also started out trying to be polite and stating that he understood why I would not give out or confirm information. But when I refused and stated that anything they needed to they could send in the mail, he stated they already had ( I have not received anything from any debt collectors nor their company Cawley an Bergman ). I stated that if i had received anything it clearly was not important. XXXX then made a derogatory comment regarding my inability to see debt as being important. 
1. I have not received any correspondence from this company 2. I do not have any outstanding debts that I am aware of. 

The statement made by XXXX was harassing, derogatory and unnecessary to the alleged debt collection process, certainly to someone he has not even confirmed he is speaking with. It also violates the FDCPA. 

I am reporting this so that I can ensure this company never contacts me again, but also so that the company can be aware of their agents ' practices that violate federal law. 
I believe that many of the people they contact are not retired attorneys and would not know their rights and could be subject to these same violations, unnecessarily.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX - Account name : XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name XXXX XXXX XXXX XXXX  Account XXXX Account name XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX OF XXXX Account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed
Product: Credit card or prepaid card

I placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. 

Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. 

The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : XXXX XXXX  Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EQUIFAX Account Name : Sunfed Account Number:XXXX  Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX XXXX Name : XXXX XXXX  XXXX Number XXXX Error found : XXXX Date is not XXXX XXXX all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section XXXX due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,
Product: Mortgage

Good day! 

I would like to seek assistance regarding our ongoing short sale request with the lender. We have exhausted all possible resolutions and efforts we can do on our end. We were advised Friday, XX/XX/XXXX that the investor approved our offer after 6 months of doing a short sale with them ( not to mention the previous months we waited with the previous servicer before the loan was transferred to them, Fay Servicing ). We comply with their request of {$260000.00} net although it seems unreasonable since their appraisal value is {$240000.00} only. 
Now, we are only waiting for the formal approval letter that was promised to us that until now we don't have any update yet. We did regular follow-ups via calls and emails. We were promised a callback but we have not received any response from the processor, named XXXX XXXX nor her supervisor XXXX XXXX. In short, we were left hanging without any idea what's going on or if there is any ETA. Everytime we called the processor is not available and the agent we will be able to spoke to does not have even any idea that the offer was approved. 
We informed them that we need to get this done asap since we also need to review the file for them to be able to issue their own approval which they can not do since they are waiting for the approval letter from the 1st lien. 
Our whole short sale experienced with them is horrible, frustrating, and very stressful.
Product: Bank account or service

I submitted a complaint to US Bank on XXXX XXXX 2016. I purchased the replacement of my cell phones. They were n't done satisfactorily my XXXX touch no longer worked the brightness was n't correct etc. I contacted US Bank to initiate the dispute after my appeals to the company went unanswered. US Bank initiated the dispute and on XXXX I received a letter ( attached ) requesting more details. I submitted the appropriate documentation approx XXXX. 

On XXXX I noticed a suspicious transaction on my account for XXXX. The description only listed " Forced ACH Debit '' upon contact US bank they indicated they had denied my claim because it was n't a duplicate charge. Upon speaking with the bank they indicated they were treating the transaction as if it was duplicated, which is contrary to what the letter I received indicates ( Quality of Service ). During my conversation it was discovered they had n't received all the documents and failed to perform any follow up or resolution. They treated the transaction as a duplicate and on XXXX I received XXXX overdraft charges for XXXX a piece. I immediately called the bank and explained that this was n't correct. The representative was immediately condescending and rude indicating that the investagation was completed and they would n't refund the amounts. I indicated that the investigation was done wrong and that it was n't treated as a quality of service claim. When I asked for a Manager i was immediately hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing my current XXXX, Transunion and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts listed on my Equifax credit report. These accounts are from Louisiana XXXX XXXX XXXX XXXX and now listed as opened in XX/XX/XXXX. I have disputed the dates/age of these accounts with Equifax two times and tried unsuccessfully to contact Louisiana XXXXXXXX XXXX XXXX XXXX. These accounts first went delinquent no later than XXXX as I was no longer in college. I was in fact incarcerated by the State of Louisiana from XX/XX/XXXX until XX/XX/XXXX and could not possibly have deferred or paid the accounts during that time. I am working to resolve my debts and rebuild my credit but Equifax makes disputes very difficult and then does not correct the error. Both XXXX  and XXXX have removed these accounts from my credit report after investigating. Equifax has not even after the second dispute. All student loan delinquencies are more than ten years old.
Product: Debt collection

This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$910.00}, I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Product: Mortgage

I was laid off from my job, I applied for a Modification was denied and was told that I couldn't apply for an modification until XX/XX/XXXX ... Applied in XX/XX/XXXX was denied stating that I didn't make enough money, applied for an modification again in XX/XX/XXXX it was denied stating that someone in the has to be disabled, Applied for a modification again XX/XX/XXXX showing that my child was disabled and that I receive money for her disability call every week for 9 months on the status of the modification and have been getting the run around ... Last week XXXX XXXX a man was banging on my door screaming that he had legal documents to give me ... .it was documents from the courts that the mortgage company is foreclosing on my home less than two months from today. Also on the papers it stated that they filed against me on XX/XX/XXXX why did I receive the paperwork without an envelope on XX/XX/XXXX. This just can not be right. My home for XXXX years is about to be taken from under me and I just do not know what to do at this point.
Product: Debt collection

I made a report with the police I made a report on identity theft. Gov I reached out to the email that was giving by mr.XXXX & still no response its almost been a month mr XXXX was very rude when I asked for info tried to tell me he spoke to me about living in a unit after I told him I did not it was fraud he kept going instead of getting me a manager he says youll be contacted I sent the e-mail to the manager on XX/XX/20
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I buy a product through this link XXXX XXXX XXXX the seller get money and don't send me anything. 
He is a fraud. 
I paid XXXX at XXXX  year XXXX XXXX XXXX  year XX/XX/XXXX this company said can't get back money please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

" The information I disputed has been verified as accurate, and neither CRA deleted the incorrect information '' Now I'm requesting for a SECOND time all accounts disputed I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. I dont know if this is because the furnishers, who are unreliable sources of information, are giving you false information. Or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may, have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 


( I HAVE ATTACHED A COMPLETE COPY OF THE DISPUTED ACCOUNTS )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting

Inquiry made on my report by XXXX XXXX XXXX XXXX XXXX Fl. 
This record was previously deleted. It was not authorized. No wet signature authorizing this inquiry was provided.
Product: Credit card

Synchrony bank does not have it listed an website you can not use a savings account for auto draft. They have closed XXXX of my accounts due to this error
Product: Student loan

My mother co-signed a NJ Class student loan for my daughter who continued to get an  XXXX  when job security was high. Upon graduation the market was terrible. There is no talking  w  NJ class, no flexible arrangements. We tried to keep up but finally we received court papers, to a  XXXX  yr old and poorly paid young person struggling to work many hours a day. Court papers were from  XXXX   XXXX  whose name is all over internet. Ca n't even follow federal rules of debt collection.   Long story short, mom passed in  XXXX  and they have not acknowledged what I sent or faxed. On top of it I asked for update, as it was my mother. They sent it to my daughter and have tagged  XXXX  in fees. Sneaky group, picking on the poor and extortionists. What can be done.