23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, XXXX, and Transunion. I sent a total of XXXX  letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX account with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the XXXX account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false XXXX information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,
Product: Credit card or prepaid card

That credit card accounts are open by frud and compromise on the XXXX XXXX
Product: Debt collection

This company is in violation of 15 US C 1681. I have repeatedly reached out to his company about a debt that I have not been responsible for. By law, my credit report must be fair and accurate on all levels. I am not responsible for this vet, it also has an unverified phone number. It is also against the law to transfer my information to another company without my permission, therefore this Must be removed immediately!
Product: Debt collection

Paragon Revenue Group is trying to collect {$5500.00} from me. This was from XXXX XXXX XXXX XXXXXXXX in XXXX KY back in XXXX. This was a workers compensation case. They were 100 % liable. They said they didn't get the info. I took them the information probably 4 times, even had our HR at work send it too them. At the time of treatment I even had XXXX XXXX health insurance. Either would have paid for this and they refuse to bill them. I even told them to bill my health insurance and I would pay the deductible and they still won't. I mean I don't know what else to do. I pay for insurance for a reason. And my employer pays workers compensation for a reason. Every other bill was taken care of by the workers compensation and zero issues but XXXX XXXX XXXX just won't do their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Credit Control LLC is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
Product: Debt collection

On XX/XX/year>, I suffered an XXXX XXXX. I went to the XXXX XXXX XXXX 's ER, where I received very bad medical attention and was sent home in the same condition that I arrived. Afterward, they sent me a bill for {$850.00} that I paid through their OWN system on XX/XX/year>. Please see Attachment XXXX, with the receipt from XXXX XXXX XXXX which is the hospital 's system to make electronic payments. Also, please check Attachment XXXX, where my insurance immediately paid their part of the bill. 

However, it seems that XXXX XXXX XXXX regularly sells or shares information about people who have pending bills with different collection agencies. It doesn't matter if the debt is due by a week, a month, or a year. They sent the personal information to the collectors. Those collection agencies then ( at least three in my case ) started to harass the patients by sending letters to their houses threatening to create a negative credit report. Even after you have paid the debt, the collecting agencies continue sending correspondence without verifying the payment status with the hospital. What is more unfortunate, is that those collection agencies increase 10 or 15 % the amount of the bill that " you are supposed to pay '', which is clearly a scam. Please check the last letter from a collector I received this week attachment 3, with an arbitrary increase in the amount of money that " I suppose own to the Hospital. '' It's a shame that I've trashed all the other letters from other collector agencies I got in my house after confirming with the hospital that I don't have any debt with them. 

After three attempts from different companies to collect money I don't own, I consider this should stop. This is abuse and harassment.
Product: Mortgage

XX/XX/XXXX PHH/XXXX XXXX  Loan # XXXX Escrow Servicing Complaint : Misapplied payments inconsistent with amortization schedule The following summarizes the events resulting in my complaint of misapplied mortgage payments by PHH. 

1. Tax disbursed payments assumed by PHH since XX/XX/XXXX - XX/XX/XXXX were discovered unprocessed up to XX/XX/XXXX as they lacked the publicly available property parcel id ( XXXX ) required for processing by the City Comptroller Dept. The discrepancies from using their third party payment firm XXXX XXXX resulted in months of generated interest, fees and penalties that are seemingly being passed on to the customer while reporting payments as late to credit Bureaus and sending foreclosure documents by signature-required registered mail. 

2. PHH performed four ( 4 ) corrective Escrow Analyses to address the discrepancies in one ( 1 ) tax payment cycle ( XXXX ) which involved overpayments and incorrectly addressed payments brought to their attention. The Escrow Analyses done in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all, as an example, incorrectly accounted for full city payments of {$4000.00} in both XX/XX/XXXX and XX/XX/XXXX when the payments were to be made in two ( 2 ) halves of {$2000.00} each ( XXXX and XXXX ). 

3. During the discrepancy review months my regular monthly payments of {$990.00} were made each month as the month payment expectations from the escrow statements went from {$2700.00}, {$2700.00}, {$2600.00} to final amount of {$2300.00} in XX/XX/XXXX. As the discrepancies were identified and resolved on XX/XX/XXXX, I made payments of XXXX in XX/XX/XXXX and then {$2800.00} in XX/XX/XXXX to bring my account current according to an XXXX  notice quickly emailed to me on XX/XX/XXXX ; following on a tele conversation with an account rep on XX/XX/XXXX concerning my upcoming XX/XX/XXXX payment as no payment was applied on my XX/XX/XXXX statement when it was applied on the XX/XX/XXXX statement. 

4. My XX/XX/XXXX statement now reflects two ( 2 ) Regular monthly payments being applied while stating a past due amount of {$2300.00} for the same month of XX/XX/XXXX. 

5. My principal and interest payments have been misapplied in an irregular inconsistent manner using clever suspense accounting and shifting payment transaction codes from XXXX to XXXX, while stating both as regular monthly payments on each statement ). ( See attached ) 6. Escrow analysis corrections have not resulted in correctly applying principal and interest payments according to the sent amortization schedule even as agreed payments were made each month. 

Prepared By XXXX XXXX Account Holder/ Owner
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a current copy of my credit report and it show inaccurate on in completed information listed on my credit report. I sent a request for investigation to Equifax regarding to an alleged public record listed of bankruptcy. I received in-completed and unverified information back from Equifax states alleged public record verified per data furnisher. I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. I asked Equifax to explain to me in writing how was their investigation conducted but they failed to provide me with their verifying investigation results from the data furnisher in writing. I understand that per the law of FCRA under permissible purpose. That I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information! I request further investigation to the matter and request a lawful reply.
Product: Credit reporting

I signed up to drive for the XXXX and they ran a background check through a 3rd party company named Sterling XXXX. I 'm disputing every bit of information they provided on my background check as it is not my information.
Product: Checking or savings account

I would like to dispute the case that Chase considered as " resolved. '' I have reported to Chase that there was a quickpay transaction on my checking account that I did not authorize and they refuse to help me get my money back. Chase has done nothing but make my life miserable regarding this and they keep blaming me for making the transaction. I dont know this this XXXX XXXX XXXX is and I made no such payment to her on Quickpay!
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were the debt collector assigned by XXXX XXXX to collect an alleged debt owed. I sent back a letter by certified mail requesting validation of the debt and no response was ever received. On XX/XX/XXXX I received a letter from a different company Resurgent Capital Services stating they were the debt collector for XXXX XXXX  on the same alleged debt, I again sent a letter by certified mail requesting validation of the debt and to date have not gotten a response. 2 letters were received by 2 different debt collection agencies within less then 30 days attempting to collect on the same debt, both of these agencies stated they were debt collectors for XXXX XXXX. I've reported XXXX XXXX to the Nevada State Attorney Generals office for their debt collection practices.
Product: Debt collection

I have XXXX complaints : faulty billing practices and abusive practices experienced by employees of National Credit Systems. My account was forwarded to NCS in XXXX XXXX I assume ) after moving from XXXX at XXXX XXXX and having a balance due of {$210.00}. I did not receive the bill at my new address until well after the deadline to pay before being forwarded to a collection agency. 

I received the NCS 's contact information from XXXX at XXXX and called NCS XXXX to attempt to resolve. I have had XXXX interactions with NCS all have been a disaster. Represenatives are extremely rude, talking over me, and hostile - the manager hung up on me ( his name was XXXX XXXX XXXX although I was simply trying to report my interactions with XXXX earlier representatives and provide proof of payment. 

The second complaint involves their billing practices. I authorized an electronic check on XXXX/XXXX/2015, the funds were deducted by NCS on XXXX/XXXX/2015 yet I have not been given credit for the payment, I continue to receive collection calls, and have reengaged XXXX at XXXX XXXX, because I can get nowhere with these people. 

Last, they leave detailed threatening messages on my cell phone and voicemail such as " this is an attempt to collect a debt ... we may engage law enforcement ... ''. This is inappropriate and I doubt legal. 

The point of this complaint is to get assistance with getting credit for a payment made and to report their abuse practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is refusing to provide me clarification as to why they are reporting certain information on my credit report. 

Please review the following. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing this compliant to formally express my general concerns regarding Zelle 's handling of current disputes, particularly regarding 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. I was informed that recovering lost funds was impossible and that tracking these transactions were 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 including myself vulnerable to scams. This lack of accountability and transparency from Zelle is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I made 2 purchases using this card. The current amount on the first XXXX XXXX Plan XXXX ) is {$4800.00} and it expires on XXXX/XXXX/XXXX. The current amount on the second one ( Plan XXXX ) is {$1800.00}, and it expires on XXXX/XXXX/XXXX. The promotion on the 2nd purchase was NO INTEREST if I pay it off before XXXX/XXXX/XXXX ( and if I do n't - about 28 % per annum will be charged retroactively to the date of the purchase ). I have always been current on all the payments under both Plans. On or about XXXX/XXXX/XXXX, I made an EXTRA payment ( after all regular payments have been made ) with specific written instructions to apply it to XXXX XXXX only. The company refused, instead applying only {$19.00} to Plan XXXX out of the entire payment of {$900.00}. That meager allocation to XXXX XXXX is intended to assure that I will never be able to pay off that Plan before XXXX/XXXX/XXXX XXXX it would be mathematically impossible ) unless I also pay off completely XXXX XXXX. That is, the promotion that I could pay off Plan XXXX and avoid the interest charge was FALSE because the backdoor interest allocation makes sure that this will not happen unless I also completely pay off {$4800.00} under Plan XXXX. As a matter of fact, this allocation -- contrary to my specific instructions -- makes promotions on both Plans to be false and misleading. As long as I am current on all the payments, I should have an unqualified right as a consumer in an industrialized country to designate how any EXTRA payments are to be applied. XXXX XXXX should be reminded that XXXX, where it murkily operates, is not some lawless jurisdiction where fraud and misrepresentations can be perpetrated upon the unsuspecting public with impunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX a loan was taken out in my name with XXXX XXXX. I believe it was a third party company that submitted the loan application to them in my name for a XXXX XXXX XXXX for {$34000.00}. 

I submitted a dispute to them in writing, where they sent me the original agreement that was sent to them with what appears to be my signature. 

I have never been in this car nor have I ever seen this vehicle. As soon as I found out there was a car in my name, I called XXXX XXXX and advised them to pick it up as it was fraudulent. They got the car, however still held me responsible for the finance charge, which is still effecting my credit. 

To add to the issue, I reviewed the employment verification documents and it shows that I 've worked for XXXX XXXX XXXX, making $ XXXX as an office XXXX, which is incorrect. I have been a nurse for over 10 years and have never worked at XXXX XXXX XXXX. 

This issue has caused an extreme issue with respect with me getting approved for a home loan at no fault of my own. 

I have dealt with this for months and am at the point where I need the accounts removed and removed from my credit report immediately. It clearly shows that XXXX XXXX has been engaging in unfair practices at my expense. 

Please help. I have no other alternative for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 while verifying my consumer report on EQUIFAX, i noticed a hard inquiry that i never gave my written instruction to grant permission to report this information.

it is a violation of 15 U.S.C 1681b ( A ) ( 2 ) I submitted a dispute today and demanded this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for a debt with XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) reported incorrectly to my credit report. I do not have a contract with XXXX XXXX ( XXXX XXXX XXXX XXXX. ). 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with XXXX XXXX ( XXXX XXXX XXXX XXXX. ) matching these records. They did not provide me with the original contract as I requested. 
XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. XXXX XXXX ( XXXX XXXX XXXX  XXXX. ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX XXXX ( XXXX XXXX XXXX, XXXX. ) have caused a negative impact on my credit report due to the inaccurate information they have reported. 


Further, I am also not liable for a debt with Bank of America , N.A . reported incorrectly to my credit report. I do not have a contract with Bank of America , N.A . 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with Bank of America , N.A . matching these records. They did not provide me with the original contract as I requested. 
Bank of America , N.A . claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. Bank of America , N.A . is in violation according to 15 USC 1681a1 and 15 USC 1681a2. Bank of America , N.A . have caused a negative impact on my credit report due to the inaccurate information they have reported.
Product: Credit card

Complaint : After I FULLY PAID the purchase amount of {$16.00} on XX/XX/year>, Barclays Delaware Bank HAS CREATED A DEBT of {$70.00} THAT IT WANTS TO COLLECT FROM ME!!! 

History : 1 ) XX/XX/year> {$16.00} Purchase using JetBlue Mastercard # ending in XXXX, issued by Barclays Delaware Bank XX/XX/year> Payment due 2 ) XX/XX/year> {$16.00} Late Fee charged by Barclays 100 % of BALANCE 3 ) XX/XX/year> Payment Reminder Notice 4 ) XX/XX/year> {$16.00} Payment 100 % of PURCHASE AMOUNT PAYMENT 2 DAYS AFTER DUE DATE 5 ) XX/XX/year> {$0.00} Minimum Charge by Barclays RESULTING IN ACCOUNT BALANCE of {$17.00} AFTER PURCHASE AMOUNT PAID IN FULL 6 ) XX/XX/year> {$17.00} PURCHASES CREATED BY Barclays XXXX ) XX/XX/year> {$17.00} Late Payment Fee IMPOSED BY Barclays 8 ) XX/XX/year> {$0.00} Minimum Charge by Barclays 9 ) XX/XX/year> {$17.00} PURCHASES CREATED BY Barclays 10 ) XX/XX/year> {$34.00} Late Payment Fee IMPOSED BY Barclays 11 ) XX/XX/year> {$0.00} INTEREST CHARGE-PURCHASES CREATED BY Barclays 12 ) XX/XX/year> {$35.00} PURCHASES CREATED BY Barclays 13 ) XX/XX/year> {$70.00} BALANCE PAST DUE 2 months AFTER PURCHASE AMOUNT WAS PAID AMOUNT IN FULL On XX/XX/year>, I spoke to XXXX XXXX at Barclays Delaware Bank on a recorded debt collector call. 
In an effort to resolve this matter, I offered to pay Barclays XXXX DOLLARS that is : 12.1 % of the purchase amount which was fully paid 2 days after the due date {$1.00} for each overdue day or ANNUAL INTEREST RATE of 2,208 %. 
She did not accept the offer. 

Since the purchase amount of {$16.00} was FULLY PAID on XX/XX/year>, Barclays Delaware Bank HAS CREATED A DEBT of {$70.00} THAT IT WANTS TO COLLECT FROM ME!!!
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 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.
Product: Debt or credit management

I was being sued by XXXX a credit card company from a company called persolve. I was given a option to pay in XXXX payments of over XXXX and they would take it off my credit report.Its been over a couple months and they have yet to respond to remove it.