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

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Account number : XXXX Original creditor : XXXX XXXXXXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Rent Recovery Solutions LLC , 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 a collection account that is inaccurate or incomplete. 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 am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file.

Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX  XXXX - Date : XX/XX/XXXX 2. XXXX  - Date : XX/XX/XXXX 3. XXXX  XXXX  - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX - Date : XX/XX/XXXX 6. XXXX  XXXX  - Date : XX/XX/XXXX 7. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my US Bank account corrected with XXXX only. The accou nt was corrected with XXXX, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with US Bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX & XXXX account XXXX account name : XXXX XXXX XXXX account number XXXX account name XXXX XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 602A States I have the rights to privacy.

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

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 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: Mortgage

I am writing to express my deep concern and frustration regarding the inaccurate reporting of my mortgage balance to the three major credit reporting agencies. Although my mortgage with New Rez/Shellpoint was paid in full in XX/XX/year>2024, it is still being reported as an outstanding balance [ 1 ]. 

This error has had significant negative consequences : 1. My credit score has dropped over 25 points [ 4 ].

2. This drop has directly affected the interest rate I qualify for on a new mortgage, resulting in additional costs [ 3 ].

I have already contacted New Rez/Shellpoint about this issue. They informed me that the update could take 2-3 months to be reflected, which is unacceptable given the financial implications [ 1 ]. Furthermore, they suggested that I should file disputes with all three credit reporting agencies, which unfairly places the burden on me to correct their error.

This situation is causing me undue XX/XX/XXXXand financial harm. As the lender, it is New Rez/Shell point 's responsibility to report accurate information to the credit bureaus promptly I request that you take immediate action to : 1. Update my account status to " Paid in Full '' with all three credit reporting agencies within the next five business days.

2. Provide written confirmation once this has been completed.

3. Compensate me for any additional interest costs incurred on my new mortgage due to this reporting error.
Product: Credit card

I have a credit card with Citi ( AT & T Universal card ) that has XXXX balances with XXXX interest rates on it. A standard purchase, which is 20-ish %, and then XXXX smaller balances, which are 4.9 % and 3.9 % respectively, until paid in full. During an online chat last evening, I inquired how payments were being applied and was told that they were first applied to interest ( and any applicable late fees ), THEN to the balance with the SMALLEST interest rate, and then any additional ( above/beyond the minimum payment ) is applied to the balance with the highest interest rate. However, every place I look online, I read that payments must first be applied to the interest/fees, and then any remaining goes to the balance with the highest interest rate. That clearly is n't happening in this case.
Product: Consumer Loan

XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports on XXXX from TransUnion, XXXX, and XXXX. 

On the TransUnion report my name is correct but the 3 AKA 's are not ; on the addresses, the current address is mailable but the other 8 are non-mailable addresses ; the only phone number that is currently in use is the first one, the other 8 do not belong to me. 

On the XXXX report my name is incorrect with various errors, 1 of the 2 formerly known as, is the correct name ; the current address is mailable but the other 6 are non-mailable addresses. 

On the XXXX report there are 10 names with only one being the correct one ; one address is mailable and the other 4 are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other 2 do not belong to me.
Product: Debt collection

Wakefield and Associates has hit my credit report five separate times over the past 3 years and all the balances they say I owe are within a few hundred dollars of each other. XX/XX/XXXX for {$1200.00}, XX/XX/XXXX for {$1500.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$730.00}, and XX/XX/XXXX for {$1100.00}. I began requesting verification of the debt from Wakefield back in XXXX when I noticed their first hit on my credit and have continued requesting the information every few months since. I've never received a single response from them and I honestly have no clue what they're even trying to bill me for. You'd have to be a special kind of XXXX  to just hand large amounts of money to some random collection agency without proof the money is even owed and I'm not that XXXX. I've repeatedly disputed these collection accounts with all 3 credit bureaus several times and all I get is some variation of " Account information disputed by consumer, meets FCRA requirements ''. How can they possibly get away with that when neither Wakefield nor any of the credit bureaus have provided me verification of these supposed debts? Disputing information to the credit bureaus is a joke ; they clearly don't bother doing any real investigation and just take the creditors word for it. That hasn't and won't stop me from continuing to dispute these accounts that have never been verified to be legitimate. 

The bureaus have placed this comment on most of my Wakefield accounts : " This collection account is derogatory do to collections or charge-off. '' Well XXXX XXXX XXXX! Wakefield is a collection agency so obviously whatever the original creditors ( if they even exist ) were billing me for were sent to collections! I want to know WHO the original creditors were and WHAT they were charging me for in the first place. I don't recall receiving any bills for those general amounts from Wakefield or anyone else. I have a right to know what these collection accounts are all about and my repeated demands to exercise that right fall on deaf ears from both Wakefield and the Big 3. 

Collection agencies like Wakefield should be illegal. They buy up old debt ( or invent it themselves ) and use it ruin credit scores, all while ignoring requests and demands for verification of money owed. They're nothing but bottom feeding predators who do everything in their power to dupe people out of their hard earned cash. Regardless of anything else, I don't owe Wakefield a XXXX dime -- I never signed a contract, agreed to pay them, or anything like that. No contract between us = no valid debt. Their contract is with whomever they bought the supposed debts from, not with me.
Product: Money transfer, virtual currency, or money service

Hello and I would like to know why remitly is not updating me on the transfer that was supposed to be completed, they sent me confirmation that the money was completed on XX/XX/2019 and today is XX/XX/2019 but the bank it was sent to is denying the transfer, so how can they confirm when the funds never made it. I was promised a call back after the investigation but they failed to do that, I made several attempts my self and finally was able to get in touch with the company but they don't have no updates, I would like my money back as I feel this is a scam, why do they promise money in minutes, when it's been a week since the transfer. The money is going to a relative for health treatment and they country it is being sent to unfortunately they do not start any treatment unless payment is made before any procedure. How can these companies get away like this? This is hard earned money.
Product: Credit reporting or other personal consumer reports

Fraudulent account XXXX XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$630.00} Opened XX/XX/XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$730.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 \nThis section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i \nThis section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX
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 XXXX XXXX  which falls under XXXX  according to XXXXDebt 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 XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX. XXXX bal. {$22000.00} XXXX. XXXX XXXX XXXX bal. {$22000.00} XXXX. XXXX XXXX XXXX bal. {$1500.00} XXXX. XXXX XXXX XXXXXXXX ball. {$790.00} XXXX. XXXX XXXXXXXX XXXX bal. {$490.00} XXXX. XXXX XXXX XXXX XXXX bal. {$670.00} XXXX. XXXX XXXX XXXX XXXX bal. {$19000.00} XXXX. XXXX XXXX XXXX. {$1000.00} XXXX. XXXX XXXX XXXX bal. {$500.00} XXXX. XXXX XXXX XXXX  bal. {$1000.00} XXXX. XXXX XXXX XXXX bal. {$2700.00} XXXX. XXXX XXXX XXXX bal. {$2400.00}. Please delete the following inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Company is repeatedly calling and texting family member and also nonstop calling and messaging myself after XXXX XXXX 7 days a week.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - XXXX, XXXX, XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : XXXX
Product: Debt collection

I am a victim of identity theft. I am not aware of these accounts.
Product: Credit card or prepaid card

A short summary of the situation - The chase customer service representative either misheard me over the phone or inputted the wrong number of points to transfer from my chase ultimate rewards account to my XXXX XXXX points account and they are refusing to put the difference back into my account. Please see the detailed description of events below. 

XX/XX/XXXX - On the phone with the customer service representative from Chase to transfer I requested a transfer from my Chase Ultimate Rewards with the amount of XXXX points to my XXXX XXXX Account ( Order # XXXX ). Upon the completion of the request, received the confirmation email stating the transfer of XXXX points was completed instead of the original requested amount of XXXX points. Immediately called the customer service department to report the error and the representative confirmed that the request will be elevated and the overage amount of XXXX pts would be reversed in 7-10 business days. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - Contacted the customer service department to correct the issue and was confirmed the case would be elevated to the marketing department and the process would take 5 days. 

XX/XX/XXXX - After XXXX business days, contacted the customer service department to request a follow up on the case. XXXX acknowledged that the point redemption request was processed by the customer service representative and since the mistake was done at their end the point redemption reverse is possible with the call review. No wait time was given. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - After 14 business days, contacted the customer service department to request a follow up on the case again. Different supervisor from the call on 9th noticed the previous supervisor requested for the phone review incorrectly, therefore resulting in refusal of the point redemption reverse. that there is nothing she could do at this time besides elevating the case to the marketing department again. The process would take 7-10 business days and the notice would follow. ( XXXX name : XXXX XXXX # XXXX )