23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my XXXX. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my XXXX XXXX. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX XXXX trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.
Product: Debt collection

On XX/XX/XXXX I received an " account notification '' from Credence Resource Management , LLC saying I owe them {$250.00} to resolve the account for less than the full amount of {$460.00} from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I sent Credence Resource Management , LLC a Debt Verification Letter via certified mail. The following letter states, " Dear Credence : This letter is in response to your letter dated XX/XX/XXXX. I request that you provide verification of this debt. 
Please send the following information : 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Whether this debt is within the statute of limitations and how you determined that issue. 
6. Details about your authority to collect this debt.

7. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter. 

Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation. 

Sincerely, XXXX XXXX '' On XX/XX/XXXX, I received a " Dispute Investigation Response '' from Credence, but was not given the information I requested. In this letter from Credence they state, " We received your dispute on the above account. We have investigated your dispute and verified that the charges on your account are valid. Please call the toll free number below for assistance or any queries. XXXX XXXX XXXX : - XXXX. '' I was not given any verification of this " debt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX I am seeking to have the FRAUDULENT information removed from my XXXX XXXX. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX. Account Validation Request - Creditor Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Requested Action : Delete account. 


# # # Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ). 

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me. 

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Credit card or prepaid card

Charges were charged on my credit card without my permission and the credit card Bank of America is making me responsible the charges. I disputed these charges more than six months ago and as of XX/XX/2020 they have put the charges back on my account ... My credit card is in good standing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency 's unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was informed by XXXX that after a review of my account, based on credit reporting from Equifax, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from Equifax which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to EQUIFAX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00}
Product: Credit reporting, credit repair services, 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 : Get It Now XXXX Account number : XXXX Account Name : Get It Now XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

On XX/XX/XXXX, I requested validation of debt from XXXX XXXX XXXX XXXXXXXX for account XXXX and they provided a copy of Note with account number XXXX that was fully satisfied on XX/XX/XXXX. 

Bank of America issued me a 1099-A form dated XX/XX/XXXX, indicating that the date title was transferred was XX/XX/XXXX. The form lists the unpaid principal balance as {$160000.00} and the fair market value as {$180000.00}, reflecting that the debt was fully satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I was in an auto-accident and could not return to work until I was released by my doctors on XX/XX/XXXX. Due to these unforeseen circumstances, we have fallen behind with our mortgage payments. However, my husband has worked contiguously before and during this time ( and he is still employed ). I have requested a loan modification twice since XX/XX/XXXX. For the first loan modification request, the company claimed they mailed me a letter on XX/XX/XXXX asking for further information. I never received this request for the items listed in the XX/XX/XXXX letter. However, I continued to send other required/requested documents through XX/XX/XXXX. I never received a communication stating I was officially declined for my modification request -or- the language in their letters is very confusing, unclear, and/or does not explicitly express a declination. 
I have replied to each of their requests via mail, e-mail, or fax. Please see the attached files. 
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, UT ), dated XX/XX/XXXX stating my loan had been referred to their office and they were giving me notice pursuant to 15 USC 1692g. I immediately contacted the company and they claimed I was denied for my first loan modification due to the missing documentation. I have been working with the company ( not the attorney ) on a second loan modification request. I have emailed documents six ( 6 ) times for the second request and I call the company at least once a week, if not more, trying to understand what else they will need to consider my application a " complete loss mitigation package ''. 
I continue to get varying answers and they are rarely straightforward. I feel as if I am being given " the runaround '' intentionally. I don't know where else to turn or what more I can do to save my home. I am trying every avenue with the company, but I continue to receive push-back. Additionally, some ( not all ) of the representatives have been unhelpful and borderline abusive when I contact them to confirm receipt of documents or with follow-up questions. The representative I spoke with today ( XX/XX/XXXX ) insinuated I had damaged my home or property during the loan mod. process. Everyday, brings more concern of a foreclosure occurring, because they still have not marked the application as " complete ''. It seems as if the company is doing this because of the increases in the housing market and they would rather resale than help us save our home, as a way to make a profit on our loss. 
My husband is a Veteran, we are both in our XXXX  and hoping we can save our home to enjoy during our retirement. 

Thank you in advance for your assistance, CFPB.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, May I please request you help. I borrowed through an installment loan company known as CHECK N GO, {$5000.00} I have now paid the company ( 7 ) payments that all were applied to their high interest totaling {$3500.00}. I contacted the local office located in XXXX  XXXX WI and the pay-off amount is another {$5000.00} ( + ) to end the loan! I have contacted customer support for this company asking for their assistance in accepting a hardship pay-off. They have told me to date I have another ( 14 ) more payments due and the only way to end this loan early is to let the loan go into a 90 day old late status. The loan then is moved from the local store to the corporate office for collection status. I contacted all three credit bureaus and the company is consistently reporting the balance late, therefore destroying my credit. This should be considered illegal banking practices and this company along with others should be closed. It is pure thievery. All i am asking is to pay-off the loan for a reasonable sum in one solid payment. To be made to wait 90 days for my credit to be destroyed makes no sense. I have acted honorably I would ask this company the same. The local office is of no help they will not consider a lesser amount to close the loan, threatening higher interest daily. This seems so unethical in todays checks and balances world. This loan is seven months old. All I ask is for the company to reevaluate the loan and offer a settlement amount.
Product: Credit card

Received and reviewed my credit report and noticed that I never received a 1099c as requested for a charged off account
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, Account Number : XXXX Account NAme : XXXX, Account Number : XXXX Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX  Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion about a bankruptcy on my report, and asked for verification and validation, using the address they listed on my credit report, the mail was RETURNED, indicating a wrong address and inaccurate reporting. 

All of my correspondence was sent CERRTIFIED. I informed transunion of their inaccurate reporting and asked for a deletion. They responded to me stating they verified via XXXX and the listing will REMAIN, ( But They  changed the Bankruptcy court to the CORRECT address now- go figure. XXXX is NOT the furnisher of the information, in which they tried to pass it off as so. 


ALSO - and most importantly, I have attached a letter from the court, stating, THEY DO NOT REPORT to the credit bureaus. This is a clear violation of my consumer rights and is actionable. 

I have attached a copy of my certified correspondences in which, i asked for validation, notice the dates of the reports ( they changed the address of the furnisher, instead of admitting their mistake and granting a deletion ). 


Nevertheless, the letter from court should trump it all!!! 


PS_ I AM HAVING PROBLEMS DOWNLOADING ATTACHMENTS< but will try and input afterwards
Product: Credit card or prepaid card

I had reported an issue of Unauthorized Transactions about 3 months ago. This issue has been fully investigated, resolved and closed completed by a month ago. However my account has been locked for well over 2 full months. 
I have done everything asked of me as far as providing ID verification. All of my info has been received and processed and logged since XX/XX/XXXX. No one can give me any explanation as to why my account is still.locked. I call repeatedly. Only to be given a new date of when my account will be unlocked. Only to call in again with yet another story!!! And false time frame. What a joke! I wait for hours on hold. Supposedly numerous tickets have been submitted on my behalf that according to US Bank must be answered in a certain time and none have been. Never have I dealt with such a totally incompetent and unprofessional company. 
I've also sent proof of hardship. To no avail. Here we are sending copies of licenses. SS cards. Tax forms etc. And to who really? For all we know this could be a complete and total scam for identity fraud. They could be the real culprits. Please investigate immediately. Also no phone numbers are provided for where you are to fax the ID verification docs.