23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was previously serviced by XXXX XXXX XXXX. I was up to date and current with my mortgage. XXXX informed me in XX/XX/2018 that they will be transferring my loan as of XX/XX/18 to TMS ( The Money Source ). However, somehow TMS received my loan information in XX/XX/2018, and I have received delinquency notices saying that I have not paid my mortgage since XXXX. 

Since XXXX we have been in contact with both TMS and XXXX MANY, MANY times trying to get this issue resolved. At one point both companies had the same mortgage listed on our credit reports ( adding up to double the amount of our mortgage ), with XXXX showing as current, and TMS showing incorrectly as delinquent. After XX/XX/18 XXXX updated their information on our credit reports to show as closed and current. TMS is still showing on my credit report incorrectly as delinquent since XXXX. I was assured by TMS that the issue would be resolved by XXXX. It is the beginning of XXXX and still not resolved. TMS is now saying they can not help me because their records show I owe them the money. I have even provided them with our bank statements showing the mortgage payments to XXXX up to XX/XX/2018, along with the letter from XXXX confirming that the mortgage was only to be transferred to TMS as of XX/XX/18. The XXXX number I always called is now disconnected. It seems that the location is XXXX, NJ is no longer open ( I searched for XXXX corporate number and I left a message ( they do not give you the option to speak to a live person ). I have not received a call back. 

Now because of the mix-up between these 2 mortgage companies and through no fault of our own, this is causing us additional financial distress, as we have a leased car which needs to be switched over to a purchase/finance, and they will not approve us due to my credit report incorrectly showing we are 6 months behind on our mortgage. They have extended our lease for another month, and if this issue is not resolved before then, we face repossession of the vehicle, which will cause more unnecessary distress and damage to our credit! We should not be penalized and suffer the consequences of the errors between these two companies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite uses Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and tracking these transactions was infeasible.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit card

JPMCB, XXXX account for XXXX XXXX I am a Veteran and durning this period of time, I was very sick XXXX and I was on my back with XXXX and My family took advantage of my illness and fraud with these company, I went to court, and explain and was told, this information would be remove from my credit report, I am trying to get back on my feet, and feeling better, but this cause me and my family financial Determine. I kindly ask as Veteran of XXXX war 's and suffer with XXXX and XXXX XXXX while serving this great country, my system is not the same any more. 

JPMCB Card Services XXXX XXXX XXXX XXXX. DE XXXX XXXX XXXX accounts
Product: Debt collection

1 ) Credit Control LLC of XXXX FL sends me mails to settle an alleged XXXX XXXX  credit card account that I never signed up for.

2 ) XXXX XXXX is billing me fees for a XXXX XXXX credit card I never signed up for.
Product: Debt collection

RAS LaVrar , LLC : This letter is being sent to you in response to a notice sent to me on ( XX/XX/18 ) or in r. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact, to be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me or coming to my home to serve court documents it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

AFNI has reported a collection account to my consumer credit file in the amount of {$430.00}. I do not owe this alleged debt. If AFNI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that AFNI is attempting to collect. AFNI has no legal right to attempt to collect a debt. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA and the FCDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A false creditor and false account was placed on my creditor was placed on my credit report. It shows as an open account. The creditor shows as XXXX XXXX XXXX and they do not exist. I want to know what this is and who did this, and why was the account opened in my name. I want it taken off my credit report. I do not want to call the Midwest Recovery and give them any of my personal information, I want you to research this and provide me all the background information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, XXXX XXXX has sold the debt to Ad Astra Recovery Services XXXX Both are reporting a balance to all XXXX credit bureaus. This is violating my rights please delete these immediately.
Product: Debt collection

XXXX XXXX debt finished paid. {$0.00} balance but i dony know who this XXXX XXXX name of collection. Transunion is supporting this fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

number XXXX XXXX accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that there was a credit card in my name from XXXX XXXX. It had been opened since XX/XX/2019. I became aware of it today. I called XXXX XXXX and they informed me there isn't an account under my name nor social.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of education has two accounts appearing wrongfully on XXXX, XXXX  and equifax ... ..they are both account no.s XXXX and XXXX..BOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company indicated that it pulled my credit report indirectly. This company is NOT being complaint with the FCRA, they will not remove the inquire after dispute. This is a violation as they did not have my written permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX XXXXXXXX - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

Hello, Im writing this complaint because I took a look at my equifax report and noticed alot of inconsistency 's and inaccurate information reporting on my credit report so I disputed the accounts with Equifax on XX/XX/XXXX and I never received any reply or mail back for them. By law they are suppose to respond within 30 days. There is no indication on my credit report showing these accounts were investigated and verified and if they were they are still reporting completely wrong. I do not want to have to get the courts involved but if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Equifax to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.
Product: Credit reporting or other personal consumer reports

This is my XXXX dispute letter since XXXX disputing the accounts listed below. XXXX has failed to delete the accounts advising they are verified and has also reinserted an account that was deleted. This was done without proper verification as required by law. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also XXXX is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. XXXX is the only CRA reporting these accounts on my report. 
The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you XXXX are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained ( I mailed and uploaded XXXX and Equifax Deletions certified mail to XXXX ) and XXXX never consulted underlying documents to verify the inaccurate information so with that being said the question is whether you as a CRA behaved reasonably as well as did you acquire sufficient evidence to support the conclusion of my last disputes.Other laws that were violated are as stated, XXXX did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did XXXX Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney XXXX has violated these same laws in the past
Product: Credit reporting, credit repair services, or other personal consumer reports

The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ {XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

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 XXXXXXXX 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 Please remove all non-account holding inquiries over 30 days old . 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been on a payment plan with credit acceptance for years. I really had no idea how much I was over charged for the car by dealership due to only being able to use credit acceptance. No matter how much I struggle I strive to get ahead of the loan so it does not continue to ruin my credit. While on a payment plan I asked several times for late fees and previous repossession fee be reviewed. My remaining balance is XXXX. Even after putting all my income tax I am still XXXX is past due. I am more than 80 % paid with this loan yet if I ask for the past due to be placed in the balance instead of past due on my credit report I am Told they cant help me and I can not speak with any other department but collections. I have explained and pleaded with them that I am trying to obtain better credit to pay the loan off or refinance but with the past due always reporting it makes my efforts of paying XXXX bi weekly seem like I will continue to fail with this company my initial balance was XXXX and I only have XXXX. Left to pay off which is primarily fee I really feel the past due should be able to be negotiated better than a constant negative impact on my credit for over 5 years. I am spoken to with great disrespect when I call. I am told I can not speak with anyone about loan charges or options to get caught up with past due other than making the biweekly payments. I feel this loan is predatory and I was charged over an estimate of {$10000.00} above XXXX XXXX value of car and the dealership told me it was because or the rules of credit acceptance and my credit worthiness which is just predatory and wrong I am a single mother and I work really hard. I feel as a consumer these types of loans keep consumer like me in a low credit range.
Product: Mortgage

Mr. Cooper is up to its old tricks again of force placing flood insurance despite having been provided the evidence of coverage in a timely fashion!!!!! THEY FORCE PLACED FLOOD INSURANCE AT A COST OF On XX/XX/2020 we made your Condo Flood Insurance payment of {$850.00} to XXXX XXXX XXXX HOWEVER, THIS IS A CONDO FOR WHICH THE ASSOCIATION PAYS ON A TIMELY BASIS AND FOR WHICH I HAD UPLOADED THE CERTIFICATE TO MR COOPER IN A TIMELY BASIS!!!!! THIS NEEDS TO STOP!!! THESE PEOPLE CONTINUALLY ATTEMPT TO GAIN UNEARNED REVENUES VIA THESE INSURANCE GAMES!!! IF THEY DON'T FEEL THE CAN GENERATE SUFFICIENT REVENUES VIA SERVICING THEN THEY NEED TO GET OUT OF THE BUSINESS ALTOGHETHER!!!!
Product: Debt collection

Midland Credit Management continues to harass me even after I have asked them to cease communication with me until they can provide me proof that I have a binding contract with their company. They are accusing me of owing them an alleged debt, and is tarnishing my reputation reporting this alleged debt to the consumer reporting agencies without my consent. I have proof that they received my last letter that I sent to them on XX/XX/2021. I also have a green receipt showing that XXXX XXXX received the letter and have yet to respond but the company is still reporting on my consumer report when by law they are to remove the account that is question until proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the credit reporting agency is showing late payment even after sending the statement to them.
Product: Debt collection

I verbally requested cease of communication via phone and was told it had to be in writing. I mailed a letter to Portfolio Recovery on XXXX/XXXX/15 requesting a cease of communication and they have continued to call my cell phone. It has limited minutes and is for emergencies.
Product: Credit reporting or other personal consumer reports

Old debt, duplicate debt and the same comments continue to reappear on all 3 of my credit reports over the years. 

specifically the remark ( excessive delinquent payments ). This remark is very XXXX and untrue.I am requesting that this remark and other negative remarks that have been on my reports for 20 years be deleted from all of my credit reports immediately. 

Thank you
Product: Credit reporting

They will not respond to any of my disputes. 
XXXX XXXX XXXX for $ XXXX I have never had a student loan with XXXX XXXX XXXX XXXX 
They say this is from 2011? I did not get a student loan from these people.