23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TD Bank is still reporting a debt owed and late payments when the account was included in a XXXX  XXXX XXXX. The amount is {$13000.00} from a credit card and TD Bank is not following the XXXX XXXX XXXX XXXX from XXXX that this debt was included in the bankruptcy. TD Bank is still reporting the debt to XXXX and indicating that it is late with a charge off status. 
TD Bank did respond to cfpb and myself on XXXX indicating they had sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy and indicated a XXXX  control number XXXX as confirmation this update was sent to the credit reporting agencies. 
But TD Bank had been contacted by XXXX via several recent disputes concerning this issue and XXXX continues to receive a response that the reporting of {$13000.00} is late with a charge off with no indication it was included in the discharged bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX Federal Building and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : 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
Product: Debt collection

I did not consent to, nor benefit from, nor authorize the following : WF XXXX  - Account # XXXX ; Amount {$1700.00}
Product: Vehicle loan or lease

I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from SANTANDER CONSUMER USA for the interest I have earned, as a result of SANTANDER CONSUMER USA trading my securities on the exchange. This has been done without my knowledge and constitutes that SANTANDER CONSUMER USA trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
Product: Debt collection

The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. 

The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the status page from Transunion. By law, they have exceeded the the 30 days allowed for the verification of this item. Transunion must now remove this item immediately.
Product: Mortgage

This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.
Product: Credit reporting or other personal consumer reports

I dispute the inquiry listed on my credit report as I did not authorize it. According to 15 U.S.C. 1681, section 602A, I am entitled to privacy rights, and under 15 U.S.C. 1681, section 604A, Section 2, it is clearly stated that a consumer reporting agency can not furnish an account without my explicit written instructions. 

As I did not provide authorization for this inquiry, it is in violation of my privacy rights and the aforementioned statutes. I request that this unauthorized inquiry be promptly removed from my credit report to ensure its accuracy and compliance with federal regulations. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to resolve this dispute in accordance with the law.
Product: Money transfer, virtual currency, or money service

A bank account was opened in my name without my knowledge. This bank was XXXX XXXX. I assumed their initial notification of a new account with them was a scam or some sort of advertising. Soon after XXXX XXXX  notified me of an account under my name with a negative balance of {$1800.00}. I filed a police report that day ( XXXX XX/XX/2023 ) and it has since been referred to a detective unit. 
The statement shows this was done using Zelle. I do indeed have a Zelle account but with XXXX XXXX and it has seen very little use. I contacted Zelle and XXXX XXXX. XXXX XXXX  XXXX fraud department informed me it was likely that my social security number was used to open an account. Zelle would not divulge any details to me. They informed me I had to contact XXXX Bank, even after I informed them I have never set up an account with XXXX Bank. The account was created by someone else. 
This is currently able to threaten my security clearance process as it proceeds for a new federal position leaving me without employment, or /and it could keep me from procuring housing in the future as the account in question has been referred to XXXX XXXX XXXX XX/XX/2023. 
After this Zelle incident occurred I was informed by the XXXX XXXX  XXXX XXXX department to place an alert on my credit report which I did. I received notification shortly after that a XXXX report was pulled for a XXXX or XXXX affiliate account application ( XXXX XX/XX/2023 ). I was able to quickly call and stop this. I then froze all three credit reports. 
It occurs to me that Zelle in some way had an information breach I was not notified of, leaving me with no ability to defend myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above
Product: Mortgage

Long story short. I was in a substantial XXXX XXXX XX/XX/XXXX. We were XXXX XXXX XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX XXXX. I was out of work for several months. I have some savings left and made Ditech a settlement offer for approximately {$10000.00} less than what i owed. They treated it like a Short Sale and buried me in paper work, kept telling me I did n't send them my signed XX/XX/XXXX tax return. I sent it 3 times. They told me they never received it. After months of going back and forth, they denied to have the underwriter look at it. I dealt with numerous employees at Ditech none were cooperative or helpful. XXXX XXXX their Manager told me he had sent the papers in at one point. Lies, Delays and denial. I told them all this was not a Short Sale it was a settlement offer. I 've been in this home 22 years. I never missed a payment. I just wanted the debt off my back while I 'm healing. Recently I cancelled my escow, They sent me a letter telling me I needed to pay my taxes so I did. They sent the taxes as well. Now I have {$3100.00} tied up in their escrow trap and they are delaying sending the check. They said they wired it to The XXXX XXXX XXXX. The treasurer told me they never got it and that they would not get involved. I am so sick of this company and their customer service. I do n't need the extra stress in my life after my accident. Can you please help? I have since paid off my mortgage, but I ca n't get anyone to help me get my escrow money back. Thanks XXXX XXXX XXXX Ditech customer # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believe are fraud, these are not my accounts nor have any even did business with them. 
I have followed all the necessary procedures below as required on my end based on the law and my rights as a consumer and a victim of identity theft.
Product: Debt collection

I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
Product: Debt collection

Account from XXXX XXXX was discharged in XXXX. XXXX. Company kept billing me, disconnected my service, and sent the account to collections despite knowing and having a record of this. Had my attorney attempt to reason with them, to no avail. Their actions made it difficult for me to take care of personal and medical needs, as I've gone for weeks without reliable phone service. This company is devious, with XXXX respect for its customers.
Product: Credit card

IN XXXX, XXXX, I STARTED RECEIVING BILLS FROM AMERICAN EXPRESS BLUE CARD WE OPENED IN XXXX. I THOUGHT IT HAD BEEN CLOSED WHEN WE UPGRADED TO A GOLD CARD IN XXXX. ( I HADNT HAD A BILL SINCE, ) I CALLED TO ASK WHAT TRANSACTIONS WERE CHARGED ON THIS CARD. THEY TOLD ME THEY DID NOT KNOW? AFTER CALLING THEM TWICE EVERY MONTH, I ATLAST, GOT A FEMALE THAT WORKED IN DISPUTES, TO MAIL ME XXXX STATEMENTS FROM XXXX THROUGH XXXX, XXXX. I WENT THRU THEM AND FOUND THE XXXX FRAUDULENT CHARGES MYSELF.. 
XXXX. ON XX/XX/XXXX, MY PREVIOUS BALANCE OF {$0.00} WENT TO {$510.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX MY CARD WAS CHARGED {$1400.00} - XXXX SEND : ADD MONEY AT XXXX XXXX. 
THEY HAVE REDUCED BALANCE BUT REFUSE THE LAST {$850.00} REFUND. THE HAVE ADMITTED IT WAS IDENTITY FRAUD. XXXX HAS SEND ME A FORM ASKING ME IF I EVER LIVED IN XXXX, XXXX. I HAVE NOT, CAN YOU HELP?
Product: Credit card or prepaid card

On my Barclay credit card from XXXX I had fraud. I tried to do the online dispute but it only let me do half of it. So I called in with the other half. Every time I call I try to tell them about ALL the charges but they didnt understand my XXXX and thought I was talking about one charge. This went on from XXXX till XXXX of this year. It was always we filed your dispute and it can take up to 90 days. So I would wait a few weeks and I see I still havent got professional credit. They say you are not responsible for these charges BUT you still get a bill each month which I did pay. Finally after going around and around I get ahold of someone a week or so ago and they didnt just hang up on me or put me on hold for a hour. They put the disputes in and I thought finally after months of this I got someone to actually get it right. Then shortly after I get a letter in the mailed they they denied my disputes based on I took to long. I never took to long! They just never could get it right.
Product: Student loan

XXXX This number keeps calling me and saying they will expunge my student loan debt thats over XXXX, Ive gotten over 15 calls the past year.
Product: Credit reporting or other personal consumer reports

Dear, Sir/Madam My name is XXXX. Since declaring bankruptcy at the height of the pandemic in 2020, my credit has been severely impacted, as anticipated. I am currently in the process of restoring my credit after three years, and it has been going exceptionally well with no late payments and a low utilization rate. The credit report update from Equifax today resulted in a decline of approximately XXXX points. It is not acceptable for credit bureaus to consistently lower my credit scores with each update. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

I need my phone number changed on my credit karma account and provided the necessary documents they requested to make that changed and did not hear from again so I requested for my account fo to be closed and have all my personal data deleted from their system.
Product: Checking or savings account

On XX/XX/2015 my ex-husband XXXX XXXX and I received a check from XXXX XXXX XXXX XXXX XXXX for the equity in our home that sold. We were not in agreement on how the funds should be split so the title company was not going to get involved with the separation of funds. The check for {$75000.00} and was payable to my ex-husband AND ( not or ) myself which would require both of our signatures. 
The check was deposited into XXXX  personal USAA account and cleared with only his signature. 
It has since come to my attention that this is an ongoing problem of check cashing on XXXX behalf of checks written to both of us and being cashed by only him.
Product: Credit reporting or other personal consumer reports

I have no clue what this about. I did not purchase any product or service from this company. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only
Product: Debt collection

On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws XXXX XXXX Code XXXX - Acquisition of location information XXXX XXXX Code XXXX - Communication in connection with debt collection XXXX XXXX Code XXXX - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.