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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Money transfer, virtual currency, or money service

I am Writing to formally express my concerns regarding Zelles handling 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, they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect but also has allowed repeated offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

This company is infringing on my rights by placing a collection on my credit report without providing the required validation information as outlined under XXXX CFR XXXX ( b ) ( XXXX ). Despite my previous efforts to resolve this matter directly, they continue to violate my rights. I am entitled to {$1000.00} for each violation, and I am requesting that they either compensate me or promptly remove these accounts.
Product: Debt collection

Collection Agencys : NCB Management Services Charging Amount : {$530.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Product: Debt collection

I called ABILITY RECOVERY SERVICE on XX/XX/2020. To request validation of debt.

.which is showing on my credit report as being opened on XX/XX/2020. which is incorrect. I requested original creditor name, contract signed, and the amount of debt.

I received no response. On XX/XX/XXXX I disputed this debt with credit bureaus ( XXXX, XXXX, and XXXX  stating needed original creditor, and validation of debt. XXXX responded on XX/XX/XXXX stating debt remains and its listed as accurate.

Account Name ABILITY RECOVERY SERVICE Account Number  XXXX Date Opened XX/XX/2020 ( incorrect ) Status Collection account. {$2000.00} past due as of XX/XX/2020.
Product: Credit card or prepaid card

On XX/XX/2019 I was charged a return payment fee of {$32.00} by Comenity. I contacted the customer service line on XXXX and spoke to a rep for approximately 11 minutes. I advised this rep that I was sure I had the money in the account and it was returned by error. I asked for a courtesy return credit as I have never had one and she stated she contacted her supervisor and that they would credit my account that {$32.00} fee back. I advised that was all I needed, to this date there has been no credit to my account. 

I was lied to by this bank and want the CFPB to take action on my behalf. I want my credit of {$32.00} to be applied.
Product: Debt collection

I am the insured. My husband is the patient. He received medical services in XX/XX/XXXX. The hospital submitted the claim to my insurance company. The insurance company reviewed the claim and directed the hospital to bill us for the adjusted amount. We received the bill from the hospital and paid the {$2700.00} in full in XX/XX/XXXX. 
In XX/XX/XXXX, the hospital sent us a new bill with multiple adjustments. They said we owed them {$530.00}. 
I contacted my insurance company for the Statement of Benefits. The company confirmed that the initial bill had not been further adjusted and that our responsibility was for the {$2700.00} that we paid. The statement notes that the provider should not charge us for anything that is over what is allowed. 
I contacted the provider and asked for an explanation. They have failed to provide anything that explains their new bill and the adjustments they made- they just keep saying that I owe it. 
They have now sent this to a collection agency. 
Can you please help get this resolved? Thank you.
Product: Debt collection

Contacted a family member with a text message displaying personal information, AGAIN, after addressing this exact issue in XX/XX/2022, and being assured the family members phone number was removed and they would not be contacted again.
Product: Debt collection

These people call me repeatedly. They are also calling me at work. They identify themselves as One Click Cash and ask me to return the call. I do n't know who they are, and I have n't taken out a loan with them.
Product: Debt collection

I am filing this complaint regarding an account that I have with them. I am seeking documentation to verify key details of the account.

Specifically, I request the following documents and details related to the account in question : Account balance : The current balance owed, including any interest or fees added to the account.

Collection purchased date : The date the account was charged off, if applicable.

Payment history : A complete record of all payments made on the account, including amounts, dates, and whether they were applied toward principal, interest, or fees.

Account statements : Any relevant statements from the time the account was opened through its closure or charge-off date.

Documentation of any modifications to the account : Including any settlement or payment arrangements that may have been made.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Credit Reporting Bureaus such as : Experian, XXXX, and XXXX has violated my rights, 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Best Buy Credit Services has violated the FDCA s outlined in Daughtery V. convergent Outsourcing inc, 836 F.3d ( 5th Cir. 2016 ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 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. Best buy never sent the periodic statements along with disclosure from section 1637 ( b ) this information was pursuant in good faith to rule 1002 and it was never provided which is unfair, illegal, fraudulent, bias and not equitable to me as a consumer and a secured party. 15 usc 1681a 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Overview Learn more 15 U.S.C. 1681, also known as the Fair Credit Reporting Act ( FCRA ), protects the privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also governs access to consumer credit report records and promotes accuracy and fairness,15 U.S. Code 1681c2 gives consumer reporting agencies the right to rescind or decline to block information about a consumer. This can be done if the agency determines the fairness of the consumer which the company best buy and all credit bureaus did not give the consumer notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my previous dispute regarding inaccurate and unverifiable information that is currently being reported on my credit file. I previously submitted multiple disputes, but I have received a response stating that the items in question were " verified. '' Upon review, I must inform you that this verification is insufficient and does not meet the standards required by the Fair Credit Reporting Act ( FCRA ). As such, I demand a more thorough investigation and immediate removal of the following items XXXX XXXX  XXXX ( Late {$73.00} ) XXXX XXXX ( {$360.00} ) XXXX XXXX XXXX ( {$3000.00} ) XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXX XXXX  ( Late ) XXXX XXXX XXXX {$200.00} ) Under the FCRA, you are legally obligated to report only accurate and verifiable information. The items listed above have not been substantiated with sufficient evidence or documentation to prove their accuracy. Simply marking these items as " verified '' without providing supporting documents such as original account records, payment history, and other pertinent details is not sufficient to satisfy the legal requirements for credit reporting. 

I hereby demand the following actions : Immediate removal of the above-mentioned items from my credit report, as they can not be verified as accurate or substantiated with proper documentation. 
If you claim that any of the information is accurate, I request that you provide me with the following evidence for each item : A copy of the original contract or agreement associated with each account. 
A detailed payment history for each account. 
Documentation showing the dates of account charge-off, late payments, and any payment arrangements. 
I expect a detailed response outlining the steps taken to verify this information, including the specific documentation that was reviewed. 
If the information can not be verified within XXXX  days of your receipt of this letter, I demand the immediate deletion of these items from my credit report in accordance with the FCRA. 

Please be advised that if this matter is not resolved promptly, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore the option of pursuing legal action to address the violations of my rights under the FCRA. 

Failure to comply with this request in a timely manner will leave me no choice but to escalate this matter further, as I will not allow inaccurate information to continue damaging my credit profile. 

Please confirm receipt of this dispute and provide a written response within XXXX  days. 

And stop sending stall letters to prolong this issue!
Product: Student loan

I monitor my credit. In XX/XX/XXXX, I received an alert that I missed a student loan payment. Upon review, the missed payment was for a FFEL consolidated student loan with an 8 % interest rate that originated with XXXX XXXX and was discharged under the Total and Permanent XXXX Discharge Program as of XX/XX/XXXX. I contacted XXXX XXXX, nka XXXX and received a letter dated XX/XX/XXXX verifying the loan was discharged on XX/XX/XXXX. The P & I owed was {$15000.00} and now, it is {$17000.00}. I have contacted Nelnet, with no luck, they forced me to agree to a forbearance for a debt I do n't own or they would continue to report to the credit agencies. The repayment date is this month, on XX/XX/XXXX, I received a letter that they tacked on over {$1800.00} in interest for the three months of forbearance, and they threatened to garnish my wages if I do n't pay them. I sent them a copy of the discharge letter and they wo n't accept it. I asked for a copy of my loan documents and have not received same. They also attempted to force me to send them a letter stating that I am not currently working and did not work the prior year, which I refused to do because I have worked. I received no notice of an alleged late payment, no phone calls, no emails. I have not received any contact from them since I sent my application for a XXXX discharge to them in the fall of XX/XX/XXXX. The only notice or contact I received from XXXX XXXX or Nelnet stating there was an issue with a discharge or money was owned is from the notice I received from the credit monitoring. Also, I had not moved since I submitted my application and XXXX, one of the supervisors at Nelnet stated they sent all notices to an address in XXXX Illinois. I have not lived in Illinois for 7 years and told her that was not the address on my application for XXXX discharge! Additionally, because I did n't receive any notices or communication before they reported me to the credit agencies, they agreed to removed the two instances they reported nonpayment on XX/XX/XXXX and XX/XX/XXXX to the credit agencies, yet they have not done so and my credit score significantly dropped. My credit score dropped again when they added the {$1800.00} in interest to my loan amount in XX/XX/XXXX. I contacted the Ombudsman department on XX/XX/XXXX and got no where  with them, all they did was quote from a script about XXXX discharges. Lastly, the amount they claimed is owed and the information on the US Department of Education does not reflect any payments made over the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my two other credit reports as charge off which is XXXX   and a Equifax. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys Equifax and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX   balance on Equifax and XXXX report because it hurting me and this all happen due to someone fraudulent information on my report
Product: Mortgage

Due to covid I was forced to sign up for Wells Fargo 's forbearance program. 
While on the program the other person on the mortgage passed away and due to that when I went to restructure the loan and get off of forbearance I was denied consideration several times eventually leading to foreclosure forcing me to lose my home and a lot of money by having to do a short sale. 
Then while having to look for another place to live while trying to work hours that didn't go with landlords schedules and health effects from the extreme stress of losing my home of 20 years I ended up losing my job of 26 years. 
This caused me to have to withdraw my XXXX and lose my retirement money to put down the deposits on an apartment and utilities. 
By the time I finally found a place I had less than two weeks to get out so I basically had to leave with nothing but my clothes losing all of my photos, collectables, and heirlooms of my late mom.

Due to losing my job nobody now wants to hire me in my hard gotten career field so now I lost that too so that is fifteen years of my life down the drain.

A couple of weeks ago I get a form letter from Wells Fargo with a check for {$200.00} and an apology that due to a clerical error I was wrongly turned down for consideration for mortgage loan modification which cost me literally EVERYTHING! 
XXXX XXXX dollars for what they cost me and the mental pain and suffering is an insult and they owe me WAY more than that.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX 's XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX  several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX  and XXXX  have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX  credit file was too large and split and XXXX  hasn't been able to compile my file properly to retain accurate information.