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

I received a letter from CCS CREDIT COLLECTIONS in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from CCS credit collections I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called CCS Credit Collections and settled the unpaid balance immediately, with the agreement and understanding that CCS Credit Collections would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that CCS credit collections had reported to XXXX, XXXX, and XXXX, a collections account that had a {$0.00} balance I used XXXX, XXXX, and XXXXXXXX XXXX Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and XXXX credit report.
Product: Mortgage

Upon calling what I though was my existing mortgage company XXXX on the XX/XX/2015,  I was informed that my account was transferred to SETERUS INC. on XX/XX/2015, but I never received a letter informing me of this change and therefore had sent to XXXX XXXX payments XX/XX/2015 in the amount of $XXXX XXXX check number XXXX and XX/XX/XXXX in the amount of XXXX (customer service representative could not locate a check number for XXXX payment) which XXXX says they forwarded to SETERUS INC. on those dates.

My complaint and deep concern is that I have NOT received any "welcome" letter from SETERUS Inc. giving me my new account number and any other information that I will need to communicate with this company and therefore have no way of sending in my next payment before it become late, which I am sure is a tactic used for collecting late fees.

This company has purposely decided to make it impossible to contact.  They have only XXXX published number, which they never answer, since I have been trying for over a week now.  Also, they do not respond to emails sent to them and I can not log into its website, because I do not have an account number, which is a required piece of information.  I do not know where to write them via U.S. snail mail and that would take a lot of time, being that I just discovered that my account was transferred and again, I have no account number to attach to a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, and to whom it may concern, I'm still having difficulties with XXXX regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Product: Mortgage

I am in Foreclosure with a Sale date scheduled for Tuesday XXXX/XXXX/16. BOA instructed my Realtor XXXX XXXX to upload documents to equator as well as fax to begin the Short Sale process. The documents were faxed to BOA on Tuesday XXXX/XXXX/16. XXXX has attempted to upload information in the equator system but BOA has NOT set up the file as promised. I am concerned that as in the past BOA will run out the clock and cause us of filing late when we have been trying.
Product: Debt collection

The predatory lender, Heights Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Now they are suing me! Credit should have never been extended to me, yet it was.
Product: Credit reporting or other personal consumer reports

Florida Department of Revenue Child Support Fraudulent and unknown Reporting multiple accounts on all credit bureaus with different information Several XXXX individuals in Florida with similar names and information
Product: Student loan

First of all, I graduate in XXXX but the loan default was not reported until XXXX.The loan was for $ XXXX.XXXX XXXX  garnished my wages for over {$8000.00} from XXXX to XXXX and then sent the loan to US Department of Education for collection.I have tried all I could dealing with this case with no end in sight .I still have all my documents for the wage garnishment. 
I tried to contact XXXX XXXX but I was told they can not talk to me on the subject. 
I am wondering why it took XXXX XXXX twenty years come up with a default Student loan.While my wages was been garnished, I sent for my credit report from the three major Credit Agencies and there was Student loan on any of the reports.
Product: Credit reporting or other personal consumer reports

I didnt authorize Bank of America to run my credit I want the hard inquiry removed because the account is closed and not in my collections when I check my credit. This was done on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$320.00} XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$770.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX due to a collection account on my credit reports. I did not have a XXXX account, i informed ic system that this is a fraud matter and they refuse to remove it from my credit reports.
Product: Credit card

Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Deposited a Bank Of America checks for XXXX for XXXX from client XXXX XXXX returned XX/XX/XXXX as Refer to Maker. ( multiple trips to banks but clear confusion as they use XXXX XXXX as bill pay-maker of the check ) Redeposited it again XX/XX/XXXX, and it gets returned again. 

XXXX finally files a claim with Bank of America and is completed on XX/XX/XXXX stating that there was multiple scans on XX/XX/XXXX by XXXX and for them to research. 


XXXX did its research on and came to the conclusion that there was just XXXX scan on that date, and they checked with the Federal Reserve as i was at the bank for XXXX minutes. then they contacted Bank of America, and they were uncooperative and they constantly maintain the check was cashed and won't look into any errors or fraud. 

they cant/wont explain why the sequence no is for the claimed cashed check XXXX has no stamp from XXXX like the same check with sequence no XXXX. 
and why would the sequence be over XXXX difference? 

i have over XXXX XXXX 's to the BOA XXXX XXXX XXXX banks and frustrating phone calls but just get a run around or shoulder shrug and there nothing they can do - or i cashed the check etc and it appears that claim from Bank of America was incomplete or rushed
Product: Mortgage

I was sick with XXXX and at the same time the real estate market crashed in 2008. 
I fell behind with my payments. 
I have tried XXXX times to make different plans but the lender always comes back with higher and more costly plans.
Product: Money transfer, virtual currency, or money service

I a writing formally express my concerns regarding Zelles handing 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 claim adequately. The informed me that recovering my lost of funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicated 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

these account 's on my credit belong 's to some one else XXXX XXXX XXXX XXXX   XXXX Status Open Balance {$520.00} Type Collection XXXX XXXX XXXX   XXXX Status Open Balance {$2100.00} Type Collection Pa XXXX XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$770.00} Type Credit Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Retail Card Payment Status Late XXXX/XXXX  XXXX Status Closed Balance {$88.00} Type Retail Card Payment Status Late XXXX/XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late
Product: Money transfer, virtual currency, or money service

XXXX-XXXX I received an email stating I can withdraw funds since its been over XXXX days. I added a bank account successfully XX/XX/XXXXand next day when I tried to confirm deposits the bank was removed. I tried requesting a Check instead and I was'nt able to. I called customer service for assistance, but they couldnt assist due to the limitation that 's on the account.
Product: Credit reporting or other personal consumer reports

I requested for my information to be updated via email provided by customer service of TransUnion LLC. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid. 
I do not wish to have any other number on my report other than XXXX XXXX XXXX update my phone number. 
Update XXXX address XXXX XXXX XXXX I do not want any employer listed at all please remove all past employer information. 
My correct Birthdate is XXXX XXXX XXXX  please update. 
Please remove all addresses off of my account as they are not deliverable to me by US post office and they are not reportable as per FCRA since they are inaccurate.

Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number XXXX XXXX  This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank continues to send " XXXX XXXX '' responses to my query regarding unauthorized computer monitoring of a joint checking and savings account by a third party or parties utilizing XXXX and XXXX banking.
Product: Credit reporting

I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.