23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, XXXX around XXXX I was contacted by a XXXX party who stated XXXX contacted them in regards to a debt I owe and disclosed all of my personal information including my mailing address without verifying who they were speaking to. I was told the call was recorded and the XXXX party spoke with a member of management and complained as well about the agent who disclosed all of my personal information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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 writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). 

Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XX/XX/2024, I have reached out to Equifax and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Equifax on XX/XX/2024 stating that they had validated the debt and verified it to be accurate. The problem with this statement is that they did not nor did they provide verification as to how the debt is owed as requested in my prior letters to them. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on 2 separate occasions and no further action has been taken. I've been getting the complete run around. On or around, XX/XX/2024, the 30 day time period had passed from the date I mailed my last correspondence to them. And, I still hadn't received any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. 

During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. 

Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Equifax has done me a complete disservice in not properly investigating this debt on my behalf. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. 
I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been disputing the Public Record information with Equifax for about a month now. I received the disputed results back from Equifax on XXXX/XXXX/2015 stating that the disputed Public Record information was verified by the furnisher. I wrote directly to the US Bankruptcy court clerk personnel and the letters that I received back stated that the U.S. Bankruptcy court clerk never furnishes information to Credit Reporting Agencies. The letter also stated that those agencies go through XXXX party XXXX XXXX companies to gather information on the public. They do n't disclose this at all. Equifax refuses to tell me who thy verified this information with because they absolutely did not receive the information from the direct source which is the US Bankruptcy Court. By refusing to tell me where they received this information from and whom they verified it with and the contact information that I am suppose to receive in order to dispute that source is a direct violation of my rights as a consumer. Also, Equifax refuses to delete XXXX XXXX, XXXX XXXX XXXX as they both are apart of ID Theft and I have submitted to Equifax numerous of times and I have also sent an amended Police Report to them and apparently they continue to re-insert XXXX and XXXX XXXX XXXX back onto my credit report despite the proof to remove and block them so that the information can not be re-inserted. Again I have attaced all correspondence that I have received from Equifax , the police report, FTC Affidavit please remove all the information
Product: Credit reporting, credit repair services, or other personal consumer reports

My entire identity was stolen by an old friend that maliciously ruined my life, credit, job, phones and accounts. I can not access my credit beauros social media accounts my original email and basically everything. I need help asap please I filed a police report but the girl that did this lives in Florida so the police didnt really care or do anything. I dont know who to turn to. Please help
Product: Mortgage

The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.
Product: Mortgage

We had a garage fire XX/XX/2014. At the time of the fire the home was in foreclosure. Damage over 5k and the insurance company makes the check out to the homeowner and the lender. We were told if we signed the check over to the lender and had a licensed bonded contractor while in foreclosure they would release funds, in three payments. The contractor stole our money. The lender told us that once the loan modification was done they would release the funds directly to us and now they wo n't give us our money. We want to sub contract out and allocate the funds ourselves. It is my money and they wo n't release it without a new contractor. For obvious reasons, we do n't trust contractors and ocwen wo n't give me my money back.
Product: Checking or savings account

On XX/XX/XXXX, my Chime card was stolen while i was on vacation. i called the number on their ad, and it turns out to be scam. After I realized it, and lost XXXX I called Chime to dispute and they denied my. I filed sn appeal and they denied that too. I just want my money back. It is crime and they are no participating in it.
Product: Credit card

Chase 's contracted insurance company, XXXX, has repeatedly asked for the same documents over and over, despite being sent multiple times including immediately after the trip cancellation due to covered causes ( a member of the trip party falling ill, with a documented covered condition as proven by the doctor 's note ). 

XXXX continuously asks for proof of future credits when proof has already been provided that there are no future credits, as the reservations were not cancelable. Now it has been several months with no response from XXXX after providing all of the documents multiple times. 

Chase advertises this coverage as one of the perks of their credit card, but the coverage is never actually provided. This is misleading and false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my Transunion and XX/XX/XXXXcredit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX   account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX BALANCED {$45000.00} XXXX XXXX  XXXX BALANCED {$26000.00} XXXX XXXX  XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$14000.00} XXXX XXXX  XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX BALANCED {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$870.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$4000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$820.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$730.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$4200.00} XXXX XXXX BALANCED {$1200.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claim adequately. They informed me that recovering the lost was impossible and tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit reporting

I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a refurbished laptop from an advertisement on XXXX. I used my Capital One card for the purchase. The merchant sent me a receipt for the {$89.00} purchase. The receipt from the merchant looked like a XXXX receipt but I did not use my XXXX account for this purchase and this card is not attached to the XXXX account. Suspecting a scam I filed a dispute with Capital One. I received a notice from XXXX XXXX XXXX that the package was delivered. I did not receive the package and notified XXXX XXXX. They told me to file a claim with them for a lost package. I did as they instructed only to learn that a package, not my package, was delivered to a person here in XXXX with my tracking number on it. XXXX XXXX denied the claim. Capital One initially gave me a credit for the {$89.00} purchase. On XX/XX/XXXX Capital One reversed the credit and charged me the {$89.00}. I called to ask why and they told me that the merchant provided proof of delivery. I stated that the package was not delivered to me, that this is a scam. I provided via a fax to Capital One showing the tracking number and all of the information that I have received from XXXX XXXX. This scammer provided a false claim of delivery never intending to send my anything only take the money. By the way the package that was delivered to another person by XXXX XXXX weighed 75 pounds. A laptop does not weigh that much.
Product: Debt collection

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.
Product: Student loan

Call navient about my loan amount to find out why it was so high. The responds I recieved from navient was, we are unable to tell you that information, because we can ouly go back so far, but what can tell you that your loans were merged together in 2011 and we are unable to see anything past 3 years. The next thing I was told by navient was to contact the schools i attened to obtain this information, I informed navient that I contacted XXXX but wes unable to contact XXXX XXXX XXXX do to the fact they were no longer in business. I thanked what do I do because my loans are totalling XXXX dollars and I know this can not be correct. Navient then sent me to another website were it gave me no information it all. Now I am being told that my payment are upwards of 1000+ dollars which i can not afford. With no help insight I have no ideal of what to do on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's gross mishandling of my personal information, a data breach between XX/XX/XXXX and XX/XX/XXXX 2017 has resulted in my name, Social Security number, address, driver 's license number, and credit card number being compromised. This mismanagement is unacceptable. It is now XX/XX/XXXX, and Equifax never notified me of this breach, despite their knowing about it months prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  I Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My car payment is up to date. I pay my car note ( $ XXXX  monthly ). 

XXXX XXXX is claiming that my payment history is correct. Im stating that it is not. Because of this my credit has taken a dramatic score. I need this rectified. ASAP!
Product: Debt collection

I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.
Product: Credit reporting

TransUnion is reporting  XXXX  separate  XXXX  energy accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX   XXXX  of the condo we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or phot o IDs.      Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct th  e Credit Reporting agency to remove this from my credit report immediately.
Regards,    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This doesn't belong to me I never had a contract with this company