23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, This is a supplemental to CFPB Complaint Number XXXX filed on XXXX. XXXX  XX/XX/2023, someone who claimed to have called from Wells Fargo resolution team at or about XXXX XXXX, phone number XXXX, and told me that she was recording the call, i : then informed her that i : too will be recording the call, she then told me that she did not consent to being recorded, i : also told her it is either we both record the call, or neither of us would be allowed to record the call, she said that she can not stop the recording, i : then informed her that i : too will not stop the recording. She then asked me for the last 4 digits of my trust 's social security number, i : told her that i : do not need to supply her with that, but i : can tell her that i : did complain to CFPB about the misconduct of Wells Fargo in concealment at 18 USC 2071 -- concealment, and Wells Fargo 's being in contempt of the writ for not returning the writ and must show cause why i : am not entitled to a tort claim to purge Wells Fargo 's contempt for not returning the writ. i : also told her that i : welcome an opportunity for Wells Fargo 's amicably furnishing the particulars specified in the writ, without involving any additional government agencies -- CFPB, Court, etc etc. i : reminded her that concealment is a criminal offense and Wells Fago can not use a false narrative [ that the method of serving the subpoena were not proper, when USPS specifically identifies registered and certified mail restricted delivery is the highest level of service of process, even higher than personal delivery through a process server. She insisted to get the last 4 digits of my trust 's ssn, i : told her she does not need that and i : will not furnish that, and that Wells Fargo must adhere to the power of the writ and immediately without any further delay furnish the required particulars under the power of the writ.
Product: Debt collection

XXXX XXXX XXXX never gave me the 6 months window before sending to the first collection agency. This took place in XX/XX/XXXXand they were reporting it in XX/XX/XXXX, who then took a medical bill and reported it to my credit bureau inside that 6 months as well. I have had this debt removed already because of this over steping their boundaries and not giving me enough time to submit to insurance and make sure all debt is mine. they keep selling it to new collection agencies who re-report debt to my credit bureaus. I have removed this debt at least once maybe twice.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : asXXXX  evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXXXXXX, Number : XXXX
Product: Mortgage

My mortgage payment went up {$88.00} last year. This year it has gone up an additional {$430.00}. I ca n't understand how I 'm expected to pay {$1400.00} a month, when we bought our home knowing our payment was {$910.00} a month. I have read the explanation on nationstars ' website about the escrow amount going up. Still I can not fathom paying an additional {$430.00} a month. With the company making this change, our best bet to survive as a family will probably have to be to sell our home as we will not be able to make the payment of a nearly 50 % increase on our mortgage.
Product: Credit reporting or other personal consumer reports

An account from XXXX XXXX XXXX XXXXXXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank .

When I contacted the collection company, I was told the account was sold to : XXXX XXXX XXXX This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXXXXXX XXXX on XXXX to see who holds the collection of this account. XXXXXXXX XXXX XXXX XXXX XXXX told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXXXXXX XXXX  back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX he gave me their number and account number. 

On XXXX I called XXXX XXXX and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX  back in XXXX of XXXX. 

On XXXX I called XXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXXXXXX XXXX sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXX XXXX back in XXXX. 

XXXXXXXX XXXX  removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report, which violates federal law under the Fair Credit Reporting Act ( FCRA ). Despite listing the accounts and highlighting the violations to my consumer report, I have not received a response from any of the bureaus within the mandated 30-day period. Copies of all dispute letters are attached for reference.
Product: Money transfer, virtual currency, or money service

I had issue with XXXX a paypal service where I had account where I sent numerous transfers over the years and then all of sudden yesterday XXXX I tried to send a transfer to a family member and was told I could not and I needed to call paypal - I called Paypal directly and asked general question and they said I could not send money through XXXX since my paypal account is business account now they said it would be best to open a personal account. So today XXXX I opened a personal account and proceeded to send money through XXXX, I processed {$100.00} through my bank I share with my husband to send to XXXX to family member and it processed around XXXX I called our bank around XXXX as it transaction was pending and our bank said to call XXXX - I called XXXX the lady said I had to call XXXX to see what the issue was is, She did advise me that I can not have XXXX XXXX accounts so I told her it was ok to close the other account I had since that is now linked with my paypal business account she said sure put me on hold, then came back and said sorry can not help me and transaction can not be processed and I could not be provided a reason - lady said after further review I am a security risk as some issues did not pass verification. I asked what the issue was and she said she could not advise. I informed the representative that I freely provided my personal information to use the service so why is it that I can not get information when it pertains to me personally and she said account can not be used and to have a nice day. I am filing this complaint as I did not do anything in all my years of any fraud or any other issues and as a consumer I am invoking the 'Freedom of Information ' act and proclaim my right to know the reason for blocking me so I can get this ratified.
Product: Credit card or prepaid card

Regarding a XXXX American Express XXXX : I incurred a late charge. I requested a credit/grace due to my belief of having being a good customer. While this event does not happen regularly, most companies are willing to do this. The agent explained my spending behavior/amount didn't warrant a credit. A supervisor essentially said the same thing and that the " system '' wouldn't allow it. 

There were long pauses and I believe this was a tactic recommended to get customers to give up and hang up. I was told there was no customer retention or compliance department. 

I requested the account be closed. I was read a disclosure. A few weeks later, I received a promotional email. I logged in and learned the account remained open. 

I feel the act of not closing an account is a systemic problem whether it be performance metrics AMEX holds on customer service personnel or that leadership explicitly trains as tactics. I feel deceived as a customer. 

I believe the call took place on XX/XX/30 or XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Complaint Against Experian for Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against Experian for its failure to remove fraudulent accounts from my credit report, despite my repeated attempts to resolve the issue. I am a victim of identity theft and have taken all necessary steps to report and dispute these unauthorized accounts. I have submitted my Federal Trade Commission ( FTC ) identity theft report, FTC Report # XXXX, along with proof of address and a copy of my drivers license multiple times. However, Experian continues to verify and maintain fraudulent accounts on my report, severely impacting my credit and financial well-being. 

The specific accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my ongoing disputes and supporting documentation, Experian refuses to remove these accounts and instead claims they have been verified. It is unclear how they are verifying identity theft-related accounts when I have explicitly stated these accounts do not belong to me. 

This situation has been ongoing for months, causing undue stress and financial hardship for me and my family. Experians inaction is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate and correct inaccurate or fraudulent information.

I am requesting the immediate removal of these fraudulent accounts from my credit report. I also ask that Experian provide a clear explanation of their verification process for these disputed accounts. If this matter is not resolved promptly, I will be left with no choice but to explore legal options.

I appreciate your attention to this urgent matter and look forward to your prompt assistance. Please confirm receipt of this complaint and provide a timeline for resolution. 

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

XXXX XXXX XXXX XXXX account number XXXX is not mine needs to be removed ftc report number XXXX account needs to be removed and blocked on credit report according toFCRA XXXX ( 15 U.S.C. 1681c-2 )
Product: Debt collection

On XX/XX/2022, CAPIO PARTNERS opened a collection. 
{$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows my balance with XXXX XXXX as {$140000.00} and {$22000.00}. I have filed disputes with XXXX and edfinacial services. XXXX has not fixed the problem. After looking at transunion report shows my balance zero and closed for XXXX XXXX. I realize the problem is with XXXX not XXXX XXXX 
In my document uploads I show my balances on XXXX. zero balances on the XXXX websites and XXXX report
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX  falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewing my credit report, I was astounded to discover several inaccuracies that require urgent attention. Specifically. I don't know why this company has included this information on my credit report, as I have never missed a payment with any of them. I urge you to update this account promptly. Your assistance in resolving this matter is greatly appreciated. Thank you for your attention to this issue. I request an investigation into this account : XXXX XXXX XXXX
Product: Credit card

I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a system glitch that resulted in many of my inquiries being deleted from my report. Tranunion added the inquiries back without notifying me. I contacted Transunion but they refused to remove the inquiries. My rights were violated by Transunion and it is not fair that their error is affecting my credit report and score negatively.
Product: Credit reporting or other personal consumer reports

i resently check my credit report and i notice that there is some inquiries that its not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank continues to submit fraudulent information suggesting I had a credit card in my name opened with them. When pressed to provide me with the application, opening date and history, they were unable to do so. I explained to them that I work in the XXXX and have been since 2010. My personal information, including social security number was compromised and used in association with a fraudulent address/ XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. I submitted police reports to support said fraud and misuse of my personal information. Still, this company has ignored all requests to stop all contact with me and remove the fraudulent accounts associated with name under the federal FCRA.