23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX, AL, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> The Receivable Management XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear The Receivable Management Services, LLC, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. The Receivable Management Services, LLC account number- XXXX. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan a couple of years ago not knowing the deceptive sale practice going on. Signing up for stuff just to get the loan. And the interest is crazy.
Product: Debt collection

In XXXX I moved from XXXX XXXXXXXX XXXX XXXX XXXX XXXX I rented an apartment, sight unseen from XXXX XXXX XXXX. When I arrived the apartment was not what was expected and due to medical issues, it was not accessible for me. I tried to refuse to take possession but was told that since I had a contract, I was responsible for the rent rather I took the apartment or not. I moved in and set up the account with XXXX XXXX XXXX acct # XXXX. I stayed in the apartment for less than a week, since I was having constant XXXXXXXX XXXX. So I moved in in XXXX was gone by XXXX and had rented another apartment by XXXX. I paid for at least XXXX months of service with XXXX but they continued to bill me. I spoke with them in XXXX and XXXX trying to get this taken care of. The apartment complex should have taken over the service when my lease was canceled. I do not know if they rented the apartment out or used it as a model apartment. Whichever, I should not be responsible for the bill of {$430.00}. XXXX has once again sent this bill to collections.
Product: Debt collection

Greetings! 

I spoke to an agent about debt collection issue from The Bureau Inc. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on XXXX XXXX for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to The Bureaus Inc. to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
Product: Credit reporting or other personal consumer reports

XXXXormal Complaint Against Ally Financial for Reporting Inaccurate Information on My Credit File I am writing to formally file a complaint regarding inaccurate information being reported by Ally Financial to my credit file. I believe these discrepancies may be in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies specifically involve incorrect reporting of account balances and the failure to provide required tax documentation for a written-off debt.

The discrepancies are as follows : Incorrect Account Balance : Ally Financial has reported an incorrect balance on my account, which does not accurately reflect the amount owed or the actual status of the account.

Failure to Provide Form 1099-C for Written-Off Debt : Despite the fact that the debt associated with the account was written off by Ally Financial, I have not received the required 1099-C form for tax reporting purposes, as mandated by the IRS.

I have made several attempts to resolve these issues directly with Ally Financial. I have contacted their customer service team multiple times and submitted written disputes requesting the correction of the account balance and the issuance of the appropriate 1099-C form. Unfortunately, despite these efforts, the inaccuracies have not been rectified, and the incorrect information continues to negatively affect my credit report and financial standing.

As this situation has caused significant harm to my creditworthiness, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that Ally Financial complies with its obligations under the FCRA, including the accurate reporting of information to credit reporting agencies and the timely issuance of the 1099-C form for written-off debt.

Please let me know if you require any further information or documentation from me to assist in your investigation. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and XXXX and needs to be removed.
Product: Mortgage

My story started when Bank Of America bought our loan! We bought the house in XXXX XXXX my wife & me at the time XXXX & I thought that we also has insurance on each other in case XXXX passed away, which I will get to later. I got hurt while moving into the house pretty bad. XXXX I worked with these injury 's for a few years in XXXX of XXXX I could no longer working XXXX to make it thru the day. My wife decided that she did n't want to stay so she left & filed for divorce while i was going thru all this. 
I had to XXXX & lost my job to weeks after XXXX. I knew I could n't go back to work so I filed XXXX which I received. since XXXX of XXXX I had been asking help from Bank Of America which they said they would told me to send in a collection of paper work to get the loan modification going which I did over & over again they kept losing my paper work or saying they did n't receive it. this went on till I went up town to the XXXX for help then it still took them for ever to get a loan mod. & XXXX dollars added to my loan from them playing these games. It get better so after all that I met a lady that moved in with me that help me get the loan mod. everything was going fine till XX/XX/XXXX XXXX. So XXXX family comes first we had to help support him & is family while he was recovering. I was n't happy with the loan mod. but they had me over a barrel! I get my XXXX check on the third week ok every month. They made me pay XXXX house payments at closing which put me behind 1 month & late every month. That 's how my second go around with the XXXX. 
started stuck behind the XXXX ball, so when her XXXX we fell behind further. 
I called them an asked if I could get help & they said sure maybe we can get them to let you make extra funds on top of the monthly payment. All I had to do was to summit a pack of papers again that when the games started all over again & the fee 's! I sent this papers over & over & over! I was told by XXXX person that they was all there that it under review & the next would tell me that I was missing things that the last person was reading to me & my handler slipped up & told me it was her job to lose my paper work & play these games! Now they are fast tracking foreclosure on my home! I have some of the paper cover sheets from the faxes that I kept sending. This is the only thing I have left of my hard work before I got hurt. I thing someone should hold them accountable for how wrong they are treating who knows how many people stuck in my situation! By the way my girlfriend has more to lose now that she is my wife since XX/XX/XXXX My ex-wife that was on the original loan has passed away XXXX on XXXX XXXX, XXXX god rest her soul. All I can ask is please help I have been done wrong by these bankers, but I am not without fault. We are just trying to survive & want to keep are house! please! Thank You for listening.
Product: Mortgage

Opened a checking account last year with US Bank then decided to refinance house with them. Started this in XXXX XXXX after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in XXXX XXXX nothing was said when i spoke to him about taking XXXX dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to worry because you have over draft. Went to the bank the next day told loan agent to put the money back and he should have told me he was taking out of my account. He said he would have to put in for the money to get it back and then told me he cancelled the loan and I would have to talk to the manager to get my fees back so talked to the manager and after some debate on whose fault it was he said he would give me the fees back and would fix it back to the way it was before this mess. 
They sent me the XXXX back for underwriting fees I deposited in there bank. When the loan agent saw me asked me if I got the other money back I said no. He gave me a number of someone else to call. Decided to open an banking account at another bank did not trust this bank with my money. After weeks I did finally get my money and then went to close my account they said I owed XXXX in over draft fees. What a scam they are running
Product: Credit reporting or other personal consumer reports

Im trying to get my first home and noticed unauthorized inquiries. Ive sent letters requesting them to be investigated. 


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
Product: Credit reporting or other personal consumer reports

I am opening this dispute because Transunion has reported the same debt more than once with only a change of name the first time reporting a XXXX XXXX credit card as closed/charged off in XXXX  and then, XXXX years on XXXX XXXX XXXX posting an update on the same charged off account. 
My understanding is that it is against the law for the credit reporting agency to post and drop your score for the same debt more than once. If that were, in fact allowed, the same creditor could keep reporting, or updating the same debt every month for 7 years, never allowing a credit score to recover for that period of time, plus the additional XXXX to XXXX  years that it takes a score to go up, even when paying every bill on time and keeping credit utilization below 30 %. 
Given that with a low credit score one can not rent an apartment, get an auto loan to buy a car to get to work, pay more for everything from car insurance to numerous other things that are connected to your credit score, this is incredibly harmful to consumers. I almost ended up homeless due to landlords refusing to even consider someone with a credit score below a certain number. Fortunately, I found someplace to live on a temporary basis but will soon run into the same problem. 
I am sure there are thousands, if not hundreds of thousands, of people that have found themselves in this same situation. 
So, I have either had the same charge illegally put on my credit report a second time, causing it to drop by XXXX points, or this law that allows that to happen needs to be changed. 
I request that the recent update be removed and my score reverted to what it was before the update.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Equifax, XXXXransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of {$6100.00} with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I do not have a contract with XXXX XXXX XXXX  XXXX , and they have not provided me with the original contract, as I requested, including my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.
Product: Debt collection

There is a debt that keeps being re sold and transferred to various Collection agencies from XXXX XXXX in North Carolina in the amount of {$280.00}. I Do Not owe this debt and have had it removed from my Credit report on several occasions only to be re-added by another Collection company and the time it is Bullcity Financial. 

They are claiming that I owe money from a 2018 power bill which is false because I sold my home in XXXX, NC in XX/XX/2018 and my final power bill was paid directly from the deposit of {$300.00} that the power company held since I opened that account. I had spoken to a XXXX XXXX representative about this before I sold my property and moved and it was confirmed that I owed nothing to them. 

Bullcity Financial is nearly impossible to reach as were the other companies and they are the third or fourth company whom this debt was transferred to and I need it completely removed from my credit report. I requested that they transfer it back to XXXX XXXX so I can XXXX it out with them directly since these third party collectors just buy accounts and stalk us consumers endlessly and illegally in many cases where they simply move the erroneous debt under another Collection Agency name and have it added back to my Report so we are perpetually fighting the same debt over and over until we cave in and pay them just to get rid of them. 

Please help me remove this I have been writing letters and removing myself for over 2.5 years now with no resolution. If I owed {$280.00} I would gladly pay it as I am not one to skip out on my bills or obligations but this is utter nonsense and ridiculous to keep stalking me when it has been removed from my Credit reports on several occasions. I feel what these Collection agencies do to us consumers is criminal in many cases and we need to be protected as consumers. 

I am so grateful for all of your help and thankful to have an agency like Consumer Finance around to help us in times like these.
Product: Money transfer, virtual currency, or money service

I am a 30 year plus BOA customer. In late XXXX I opened my own law firm here in Washington, and as part of that process opened an attorney trust account. I recently settled a significant case and as part of that process deposited a large check in my attorney trust account on XX/XX/XXXX. The " hold notice '' indicated all the funds would be available on XXXX. On XXXX I initiated wire transfers to my clients of their settlement proceeds from the trust account, and attempted to deposit a check drawn on the trust account to my other account to reimburse expenses. Although there was no notice provided on the website when I issued the wires, I was told at the branch when I went to deposit the check that there was a " fraud hold '' on my attorney trust account and they could provide no other information. I was given a number to call the " fraud department '' and after holding for a while, spoke with an employee and then her supervisor who also said they could not tell me why there was a fraud hold on my trust account, or when it would be removed. I have followed up on XXXX and XXXX and my attorney trust account is still blocked, and I do not know why, how to resolve the issue, or when the funds will be available. My clients need the funds to pay bills. This is unacceptable, and appears to be a violation of various sections of 12 CFR Sec. 229.
Product: Debt collection

TransWorld is reporting negative on my XXXX credit report. Debt was paid in full on XX/XX/13, and yet has been removed from negative reporting on my XXXX profile. XXXX neglect to remove reporting, companies combined debt on XXXX XXXX XXXX report with two different account numbers. When asked rep to advise further how can you combine two different accounts with different alleged medical dates, rep hung the phone up in my ear without explanation.
Product: Debt collection

I was contacted during the Pandemic by Jefferson Capital Systems , LLC which said they purchased a credit card account I had with XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX had already inflated my credit amount ( by giving me incorrect balance amounts while on vacation and this card services allowed me to keep charging over the balance limited amount ) and the result was financially impossibility for me to settle. The XXXX card began to charge over the balance fees, late fees and some other charge fees. the balance was almost {$2000.00} over the limited. Then the Pandemic happened and I could not afford to pay the XXXX card. 

During the Pandemic Jefferson Capital System, LLC contacted me to create a agreeable settlement. I agreed to settle with a final 1 time payment of {$2100.00}. Purchased a bank check, after they drafted a letter which said the debt would be paid in full upon receipt of the proper check. See attached letter and proof from Jefferson Capital Systems , LLC This collections has messed up my credit with XXXX and XXXX XXXX. I sold my auto which had expensive repairs and often inoperable. Now I can not qualify for a auto loan because of this false collections. Auto loan companies use XXXX and XXXX XXXX... I have either been declined or received very high interest offers. Can You help? XXXX does not show this collection and my score is much higher ( Good status ) but auto loan companies do not use XXXX as I have been told. What a racket hurting the general public and making are life worse. Again can you help this XXXX single women?
Product: Checking or savings account

XXXX XXXX The Bank of the West has been charging my account {$70.00} USD per transaction for insufficient funds fees. I don't have any such agreement and I believe this is unfair debt collection practices. They have already been told to stop charging extended overdraft fees also. Because the Bank had a merger and I feel like they are trying force me to close my account. I was charged due to a banker errors, but instead of fixing it, they reported me to XXXX XXXX. I want them to be fined for everyone they are taking advantage of during the recession.
Product: Credit card

This account clearly constitute a breach of contract and are fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes on my consumer rights. As a result, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to intervene directly, as the bank 's actions have caused significant damage to my financial situation. The account in question is : Citi XXXX XXXX - XXXX