23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The companies involved are already aware as I have written to all of them. XXXX is claiming that I have not made any payments since XX/XX/XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX   negotiated with me. XXXX went out of my business in XX/XX/XXXXwhen my account was paid in full. They told me that Attorney Marvin Dang would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, Dang instead wrote me and said that I haven't made payments since XX/XX/XXXX. This is inaccurate. I have sent letters and proof to Marvin Dang and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an Apple product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX '' invoice is not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent addition of an authorized user to my credit account with TransUnion ( Account # : XXXX ) and XXXX ( Account # : XXXX ) without my knowledge or consent. This action has raised profound concerns regarding the precision and confidentiality of my personal credit information, as safeguarded under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Pursuant to the FCRA, consumers like myself are entitled to ensure that the information contained within our credit reports maintains accuracy, fairness, and security. The unauthorized inclusion of an authorized user on my credit accounts not only infringes upon my privacy rights but also casts doubt upon the accuracy and legitimacy of the data being reported by your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX The specific inaccuracy concerns the payment history for 2023. Your report incorrectly indicates XXXX late payments for XXXX and XXXX and a XXXX late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within XXXX days of receipt of this notice. As part of your investigation, I request that you verify the payment history with XXXX XXXX XXXX and provide me with the results of your findings. 

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness. 

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and XXXX XXXX XXXX regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Please reopen the recent Complaint No. XXXX. 

CFPF closed this complaint prior to the time allowed for response to the mortgage holder reply to the complaint. 

The Complaint was closed on XX/XX/2023, the reply from the mortgage holder was dated XX/XX/2023, however, it was not received until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now requesting an extension to reply. 

Or would CFPB require I open a new complaint. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i the credit bureaus should only report complete accuracy of an account! They have failed to do so, account with XXXX XXXX XXXX is reporting inaccurate information from date reported and amount! I also asked them to provide me with a signed contract and they failed to do so! I am asking that you check the complete accuracy of this account immediately and delete account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Product: Checking or savings account

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Money transfer, virtual currency, or money service

I am concerned about Zelles handling of disputes with CFPB giving light to major issues with the platform. I have used Zelle on many occasions and have reported disputes and discrepancies however Zelle and my bank told me they would not investigate and thats there is nothing they could do about it. I was told once the payment is sent they can not retrieve my funds. CFPBs lawsuit has unveiled that Zelle neglected to protect customers and allowed scammers to continuously exploit the system leaving me vulnerable to scams as a user. This is lack of customer safety and makes me vulnerable to being scammed and it is not acceptable
Product: Payday loan, title loan, or personal loan

RE : XXXX for Title Max - I received a collections call today, XX/XX/2019 from Title Max collections department claiming that they were authorized by TMX paralegal XXXX XXXX because she has not received any of the official legal documents from enforcement or other authorities validating my claim of ID Theft ( no money in the bank ) and my need for a hardship consideration and payment arrangements. Her dead line to receive these documents was stated in her XX/XX/2019 letter was due by XX/XX/2019. I faxed all document on XX/XX/2019 ( w/ fax receipt confirmation ). I did email these very same documents a week or so prior to the letter and fax request by XXXX but was informed that Title Max legally could not accept emailed documents only faxed or mailed hard copies. The fax contained 7 pages including police report and affidavit and the letter attached to this CFPB online follow up for Title Max.
Product: Vehicle loan or lease

When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Radius Global Solutions, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Radius Global Solutions , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Radius Global Solutions, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Radius Global Solutions , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting or other personal consumer reports

THE LETTER RECEIVED FROM XXXXXXXX XXXX XXXX, XXXX MAKES NO SENSE. THEY CLAIM THAT THEY HAVE NOTHING TO DO WITH THE REPORTING OF CREDIT BUT, THEY ARE IN THE BUSINESS OF BUYING CONSUMER DEBT AND REPORTING TO THE BUREAUS ONCE PAYMENT SETTLEMENTS ARE MADE??? MAKE IT MAKE SENSE TO ME??? ATTACHED SHOWS THAT THEY HAVE THE ABILITY TO REPORT TO A CREDIT BUREAU AS A NATIONAL COMPANY THAT IS ABLE TO HAVE CONSUMERS PAY TO DELETE CREDIT FILES. 

THE LOAN AGREEMENT SHOWS XXXX XXXX BANK AS THE LENDER AND AXCESS FINANCIAL SERVICES, INC AS THE SERVICER FOR THE ACCOUNT WHICH PLACES BOTH COMPANIES AS POTENTIAL LITIGANTS IF I DECIDE TO PURSUE OTHER LEGAL ACTIVITIES I.E. SECURITIES FRAUD WHICH I'M CURRENTLY GETTING A FORENSIC SECURITIZATION AUDIT REPORT FOR THIS SECURITY AGREEMENT THAT WAS FUNDED ON MY BEHALF. 
GOVERN YOURSELFS ACCORDINGLY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

The phone calls were made by Ally Financial employees. 

Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below. 
Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more. 


Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Recently I sent a complaint to EXPERIAN and they have totally disregarded my complaint and treated it as a generic complaint and responded with a generic letter. I sent them XXXX accounts from XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  that is being reported due to Identity Theft. They sent a letter quoting bits and pieces of FCRA and and left out the most important parts. I have tried to resolve this with XXXX XXXX and they have already surpassed their 30 day limit on being able to validate this debt. ALSO experian failed to validate this debt as well. I sent them the packet with all information needed for them to block and delete these accounts. According to FCRA that is all the information needed from me and they have also FAILED to meet the 4 DAY REQUIREMENT that it states in FCRA. Please take care of this matter.
Product: Debt collection

XXXX XXXX continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : XXXX XXXX XXXX XXXX Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time. 
Between XX/XX/2019 and XX/XX/2019, the balance on your XXXX XXXX XXXX collections account decreased by {$1.00} from {$610.00} to {$610.00}. 

This is completely false as I have never paid them anything.
Product: Debt collection

I was unable to get a fax number from this company to send documents to them. They told me that they dont receive fax. They can only send. Now what kind of business is this? Everyones know if you have a fax number you can receive fax as well as sending faxes. If very unnecessary to lie to people were needing to get something to them. This is our right so why are they denied me this. It just seems like theyre avoid people to get there documents to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute NATIONWIDE RECOVERY SY XXXX Date Opened XX/XX/2020 Balance {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX* Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX-XXXX/XXXX  XXXX I recently submitted a request for investigation of an Acct Number : Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I did not authorize the inquires that are shown in the document below.
Product: Debt collection

Jefferson Capital System {$850.00} opened XX/XX/2021. 

This account was never opened or authorized by me. This account is fraudulent.