23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After a routine credit report assessment on XX/XX/XXXX, I noticed an account in collections with the account name THE CBE GROUP. The status noted, Collection account. {$230.00} past due as of XX/XX/XXXX. I was unaware of this account, and the details under the account list XXXX XXXX  ( Retail ) as the Original Creditor. Doing a web search notes that this company is linked with XXXX XXXX, or XXXX. I am not a XXXX  subscriber, and I can only assume that this debt was incurred by my ex-spouse, whom Ive divorced in XXXX. As far as I know, my ex-spouse resides in the state of XXXX, and I have not lived in XXXX  since XXXX, as I now live in the state of XXXX. I filed a dispute with XXXX on XX/XX/XXXX, and the dispute was resolved and removed from my XXXX credit report. The dispute still shows up on my XXXX and XXXX credit reports, so I disputed this account with both credit bureaus on XX/XX/XXXX. As of this writing, the dispute filed with XXXX is still pending investigation. However, as of this writing, XXXX noted that they attempted to dispute this collections account with THE CBE GROUP and that THE CBE GROUP verified that this information was correct, and subsequently my responsibility. This information is false, and this debt is not mine, nor do I have any confirmation of what this account is tied to.
Product: Payday loan, title loan, or personal loan

XXXX XXXX- 1st car loan- in accident in 2015. Car was towed. Impound yard tried to charge $ XXXX for storage. They sold the car at auction. Had no options to resolve matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX Subject XXXX Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting an inaccurate or incomplete collection account. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

I reached out to self via Email and informed them that I had no knowledge of this account and believed that it was created on my behalf by someone else. They replied stating that they had conducted an investigation and found that the account belongs to me. This is not sufficient by any means, I requested validation that this account was opened by me even though there were no charges or useage or payments and I did not receive any documentation at all and would like this account and its history or lack thereoff removed from all credit reportin bureaus. 

The account in questions is listed as : XXXX Account Type Secured Last Payment XX/XX/2023 Account Verified XX/XX/2023 Date Opened XX/XX/2023 High Balance {$520.00} Term Length 24 Month ( s )
Product: Credit reporting

I was working in a company that obtained a merchant account with the referred collector ( XXXX ). This collector has reported this above mentioned account as an open revolving past due account on my credit after the business has breached the contract with them. 
1 ) This account belongs to a business account and not an individual account. 
2 ) This account has been reported to my credit as a loan that was taken, and stated I missed payments. 
3 ) I believe that collector has violated the Fair Credit Reporting Act procedures in order to add more pressure on me to collect extra money that was never lent to me.
Product: Money transfer, virtual currency, or money service

Several times used western union nothing appeared by name and XXXX was wrong
Product: Payday loan, title loan, personal loan, or advance loan

I never wanted to continue to pay for the product of life insurance. I have been paying this since XX/XX/2022. I try to cancel but was never notified if it was canceled or not. 

XXXX amount- {$9100.00} XXXX XXXX XXXX, Tennessee
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I sent written correspondence to Transunion regarding an inaccurate bankruptcy listed on my Transunion credit report. I called to find out that the information was verified as accurate. I requested the method of verification and it was not supplied, resulting in the second dispute letter being sent. The information in the credit file regarding the bankruptcy I do not recognize and was not shared by me. The reporting of this item is unauthorized and resulted in my social security number being used fraudulently by Transunion. It has prevented me from obtaining credit, employment, and housing. 

Transunion has failed to properly investigate and respond as per FCRA requirements. Therefore, Transunion has to cease reporting this item.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  is reporting a charge off with acct ending in XXXX but still showing a balance that still owed of {$450.00} currently. Requesting a 1099-C that I was received or was never provided with for the charged off acct. Per Transunion the charge off was reported on XX/XX/year> and per XXXX it was reported on XX/XX/year>. More inaccuracies with reporting. Furthermore, with a charge off the company writes it off as a profit loss on their taxes and by law should be providing the consumer with a 1099-C but again I never received one. This is inaccurate reporting on my credit report and can be pursued further.
Product: Credit card or prepaid card

Credit karma sent me numerous of emails and also advertised within the website on my account that I was preapproved for a credit card and when I applied I wasnt approved which caused damage to my credit because of the hard pull of credit score.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent inquiries have been added to my credit file as a result. I request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with Experian for the past three months as I am a victim of both financial fraud and identity theft through coercion. Please see the attached legitimate documentation from U.S. law enforcement agencies. 

Please stop harassing me by repeatedly stating that Experian is unable to block negative reporting on my credit report. After all these months, I have provided more than just my electronic identity theft report filed with the FTC. You have everything you need, including my FBI letter and other documents from law enforcement agencies that have received my identity theft report. Please see the attached evidence. 

At this point, Experian is obviously harassing me, as I am a victim of a federal crime that you refuse to acknowledge. This is also a violation of the FCRA. If the credit reporting agency includes inaccurate information about the federal crime on the victims credit report, leading to negative impacts on my credit score, Experian is absolutely violating the FCRA.
Product: Mortgage

We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. 
On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. 
We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. 
XXXX is even more disturbing. 
All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, XXXX, and Experian regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the
Fair Credit Reporting Act. It is imperative that XXXX, XXXX, and Experian comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The negative effects of these inaccuracies have been XXXX and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Debt collection

I got a notification of a collection on my credit report and called immediately to the collection agency princeparker. They could not identify me by my name, address, telephone number and my information did not match the collection except for the ssn. I had my ssn stolen and have had several attempted attempts to open credit cards and loans in my name. My file is locked. I have a currenXXXX XXXX XXXX XXXX account which is an always has been current for more than 20 years. The thief was able to use my ssn to open some sort of account somewhere unknown in XXXX for {$230.00} which went into collection on XX/XX/XXXX. I demanded that this account be removed from my file since it was obviously a fraud and the agent hung up on me after demanding that I pay the account in full before they could verify the debt, Agent did not follow through on verifying the debt bc the identifying information that they have on file is for the thief and not me. I want this item removed ASAP. I immediately filed a dispute with XXXX XXXX but XXXX XXXX has not removed the item from my report after contacting princeparker. I contacted XXXX XXXX again today and they were unhelpful. Filing a separate complain against XXXX XXXX based on these facts. I have no information other than what is listed on te credit report for this collection as I have never been contacted by the collection agency or XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX salesman XXXX came to our house and we signed a contract for windows and doors. Install would be in 12-16 weeks. 
CITI CC was billed as XX/XX/21 I filed a dispute with Citi card on XXXX- services never received On XX/XX/XXXX I sent a detailed outline of everything that had occured up until that point. 

We have yet to hear back from CITI or get any updates. As of today we still have no windows, no date of install, and no response from the production manager I was working with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters on my behalf disputing an auto loan account on my Experian credit report showing delinquent, the loan has been paid off in full from XXXX  XXXX XXXX XXXX. I contacted the creditor themselves and I was told reach out to the credit bureau to have the information removed, yet the balance is still showing negative. I have receive a letter directly from the creditor to send to them regarding the issue and still no results for the past few months. I will attach supporting documentation. 
The is account by the name of XXXX that I never obtained credit from, this was fraud, I reached out to the creditor directly and there was nothing they could do for me. I refuse to pay a debt that does not belong to me because its simply unfair. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I have lived in my home for several years. I initially had XXXX mortgages ( $ XXXX and $ XXXX XXXX but they were ultimately combined to XXXX lender, as a part of the nationwide foreclosure fraud finding matter. My mortgage was modified and I have paid XXXX note for over XXXX years to XXXX lender. In the last year, I started receiving notices from different lenders advising that I was behind on the $ XXXX mortgage. Ultimately those lenders morphed into XXXX XXXX XXXX XXXX XXXX, as Certificate Trustee on Behalf of Bosco Credit XXXX. When I advised that I knew that there was only XXXX mortgage because it had previously been combined by XXXX, they could offer nothing to support otherwise. I confirmed the same with XXXX, where a supervisor advised that the loans were combined. They still however took me to court where I appeared pro XXXX and a XXXX XXXX Georgia XXXX XXXX awarded them by home, I have appealed. The court never allowed me to present evidence from XXXX that would have supported my assertion. But I have researched them and this appears to be their modus operandi all over the country, swooping in claiming that homeowners have defaulted on loans that were modified and they have done nothing to collect on said loans or contact the consumers for many years. It appears to be the second wave of unscrupulous and predatory mortgage lending and collection practices. I suspect that XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX Bosco Credit XXXX bought the paper for my mortgage from a seller who no longer owned it. I am scheduled to go to court on Tuesday to determine the rent I will pay for my home. I need help ASAP!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I called Transunion, XXXX and XXXX several times to update my personal information. The representative refused to move address and names from my report that does not match my identification. I explained to them I did not live at the addressed listed on my report nor do I go by any of the other names reporting. I only wanted the name and address I gave them which is my legal name and address. I received an updated report only to find those names and addresses still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : ALL Jefferson AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before Jefferson acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX