23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has along history of financial gains from unsuspecting persons from military to civilians in researching their history. They have sent out a notice showing me a DOD referenced past due bill of XXXX ; when pressed the male caller at XXXX stated it was in reference to XXXX. This all with no documentation to support and then they had added penalties and fess of almost {$700.00} I requested no further calls to be made until documents could prove this claim. In calling both finance and XXXX there was/is no amounts outstanding or due. Further they never use a 3rd party agency for collection. In my opinion this is fraud being practiced across state lines into Texas. Further they are using a XXXX XXXX  in XXXX XXXX to have unwarranted payment sent to by credit card. This crosses several lines in fraud to criminal activity. I do not see how this activity can continue over the years. Please help stop this so others are not swindled. I would close by saying the XXXX XXXX in XXXX XXXX MO should be investigated for receiving these funds scared out of some folks! Wrong, very wrong even in this business ' operations in the US!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX Date Opened XX/XX/XXXX Balance {$16000.00} 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: Student loan

My Loan Servicer Nelnet will not take my payments on the student loan towards the SAVE plan.

This is what happens : 1. I submit a payment on Nelnet 's online website, which my bank account is mapped to.

2. I get a confirmation of pending payment from Nelnet in an Email.

3. I check on the following days to see if the payment is applied, and the pending payment disappears from the website, and nothing comes out of my bank account.

3. Nelnet registers the payment as missed when the due date passes, and my total loan keeps going up in balance. This happens every month since XX/XX/XXXX. 
4. I can never get through to Nelnet when to get to the bottom of why they will not take my payments. They flat out ignore my payments. They give me a confirmation, and then never try to take the payment from my XXXX XXXX bank account. 

In the attachment you can see some payment confirmations that I have received, but the payments never go through.
Product: Money transfer, virtual currency, or money service

To whom it XXXX concern, In XXXX XXXX used Zelle from XXXX bank to sell XXXX. Then, without notice, my account was blocked. I tried contacting XXXX to resolve the issue and they stated that the problem was that Zelle was blocking my token due to breaking terms and conditions. I was unaware that any terms and conditions were being violated as there was no warning or contact from Zelle. I contacted Zelle and they stated that only XXXX can reinstate my Zelle account. Afterwards, I contacted XXXX and they toId me that only Zelle can reinstate my Zelle account. I have been getting the run around. I put the issue aside for a few years, until this year, and I tried starting over with the whole Zelle process. No resolution was offered. I am looking for anyway that I can reactivate my Zelle account even if it means being under a probationary period or under an " Account Monitoring '' method. 

Respectfully, XXXX
Product: Debt collection

I agreed to settle this account for a specific amount. They sent an email confirming the settlement. They agreed to send me a letter confirming the settlement after payment was received to the credit reporting agencies and myself. 

I met all the conditions but they now do not take my calls, emails and the credit reporting agencies have not been notified. 

The company involved : Resocore Asset Management XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Representative : XXXX XXXX XXXX XXXXXXXXXXXX Thank you XXXX XXXX
Product: Debt collection

The collection - NCB Management Service , Inc have been reporting inaccurate information on my credit report. I made a request to have the information removed and they provided me information showing my signatures. However, this information is from the original creditor which is totally inaccurate in amounts and balance owed. They can not base the inaccuracy they are reporting from a file that was provided by the original creditor. The original purchase was made through XXXX in XX/XX/XXXX, then it was transferred to XXXX, and then serviced by XXXX. NCB Management Services is a best collector and does not have all the pertinent facts from XXXX to the time the vehicle was returned to the creditor in XXXX voluntarily, and this was not the arrangements made prior with the creditor in XXXX upon settlement.
Product: Debt collection

After reviewing my consumer report, I identified a discrepancy with an account listed under Convergent Outsourcing XXXX this alleged debt was furnished from another third-party debt collector by the name of XXXX XXXX in which, the item was removed from my consumer report based on reinvestigation which is conclusively an admission of guilt pursuant of the FCRA and FDCPA. 
As a consumer, Convergent Outsourcing is reporting false and inaccurate information to various consumer reporting agencies regarding an alleged account ( XXXX ). Furthermore, just to provide clarity on this alleged debt I was notified on XXXX XXXX via email from XXXX XXXX introducing the company and explaining that they had taken over an account with the claim that my current balance was { {$510.00} } ( 1 ) I have never owned any alleged account ( 2 ) I have never provided written consent to be sent to a collection agency ( 3 ) I have never received any validation documents from Diversified Consultants/Convergent Outsourcing because neither account is mine ( 5 ) I have never agreed to XXXX XXXX or Convergent Outsourcing furnishing information. 
At this point, XXXX XXXX was clearly removed from my consumer report and I expect the same results with Convergent Outsourcing because the information exhibited on my consumer report reflects another attempt to collect the same alleged debt, This is clearly a violation of 15 U.S.C.1692c ( a ) by attempting to communicate with me about a debt without my consent. In addition, Diversified Consultants and Convergent Outsourcing are in violation of 15 U.S.C 1692d ( 2 ) in which, XXXX XXXX and Convergent Outsourcing have continuously engaged in conduct to harass me in connection with the collection of an alleged debt that isnt mine by utilizing obscene and profane language, Furthermore, XXXX XXXX and Convergent Outsourcing are in clear violation of 15 U.S.C. 1692e ( 10 ) in which, their attempting to utilize deceptive practices to bill consumers and fail to accurately clarify the misrepresented information and attempting to use false legal notification as a means to collect or attempt to collect any alleged debt. In addition, to 15 U.S. Code 1681s2 In closing, please reply with your response via US Mail. Do not contact me by phone as it is inconvenient. Do not contact my family or acquaintances in any manner. Please note that I am fully prepared to pursue my rights as a consumer for the damages, mental anguish ( stress ), and losses to me due to this account not being mine ( declined and decreased credit ).
Product: Credit reporting or other personal consumer reports

I have been in contact with Equifax for over a month now trying to get my credit report. I have sent in the information they have requested and they still have not updated any of my information in their system. I have several credit cards and I have reached out to all of them to ensure they are reporting to all 3 credit bureaus which they all have confirmed. Without my Equifax report my lender can not give me a rate for which I am prequalified for and this has severely slowed down my investment potential. Ive had several calls with Equifax and while the customer service representatives are helpful theres nothing they can do on their end to help me fix this issue.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX  regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted XXXX separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being. 

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX but there is no data reported XXXX account charged off XX/XX/XXXX ; then why is it still reporting data on a closed account XXXX XX/XX/XXXX, there is no data reported when there should always be data reporting XXXX if this is my alleged debt then why is there no terms reported to an agreement XXXX there is no monthly balance reported ; if this is an alleged debt for a credit card there should be a monthly balance that i owed each month XXXX my report from XXXX XXXX XXXX XXXX XXXX has no data reported XXXX XXXX is reporting that i made 98 % of on time payments but yet XXXX has my account labeled as charged off XXXX my information was sent to a collection agency w/o my consent XXXX if spring oaks received my information directly from XXXX then the reporting should be similar or identical since they are going based off what XXXX sent them XXXX why is a collection agency contacting me about a closed account and trying to collect funds XXXX this alleged debt is OVER XXXX XXXX XXXX, why is it still being reported, this is a direct violation of my rights provided to me by the FCRA Despite providing supporting documentation with each dispute letter, XXXX has failed XXXX remove or properly verify the incorrect information. If ( XXXX ) investigation were conducted then how is all of these inaccuracies still being found on my report. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

I am requesting that the CFPB intervene and require XXXX & Spring Oaks to either update my records to show PAID IN FULL/NEVER LATE or DELETE/REMOVE this from my credit report Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states that the foregoing is true snd correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. all is being investigated by the FTC
Product: Checking or savings account

I am complaining about Bank of America because they offered me a free personal cybersecurity from XXXX XXXX XXXX. However the file to download and install the software is not secure. I am not able to download it because there are security issues with the file. he site at XXXX XXXX was loaded over a secure connection, but the file at XXXX XXXX was redirected through an insecure connection. This file should be served over XXXX. See XXXX for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was part of Equifax data breach. I am writing to formally dispute inaccuracies and issues I have encountered with my credit report, which was provided by Equifax. I believe these errors violate the Fair Credit Reporting Act ( FCRA ), as cited in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax regarding the improper handling of consumer disputes. I asked for debt validation, purchase agreements and proof of how they verified these debts are completely accurate. They did not provide me anything a clear violation of FCRA. 

The issues I am disputing include the following : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX funding Accounts that says verified. 
XXXX. XXXX account that says verified. 
XXXX. XXXX Account that says verified. 
XXXX. XXXX account that says verified. 
XXXX. XXXX  XXXX account/ says verified XXXX. XXXX XXXX says verified XXXX. Achieve personal loan/says verified XXXX. XXXX XXXX verified
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXXXXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.
Product: Credit reporting or other personal consumer reports

Equifax has repeatedly published a disputed account on my credit report that adversely affected my credit report. The dispute was due to a fraudulent charge that the credit card company had mistakenly removed then re-added to my credit card multiple times even though it has been resolved in my favor. The dispute center says to file a dispute online, but does NOT allow the option of disputing the same account, even though it says it has been resolved on Equifax and there is NO documentation or investigation results available on Equifax, nor is there anywhere to submit the documentation that says the account is resolved and in good standing.
Product: Credit reporting or other personal consumer reports

I don't know if this is where I need to report these things but I was turned down by several places for a loan based on my consumer report. There are about 13 addresses and 15 phones numbers associated with my name that I've never even heard of. I need to know how to get these things taken off of there and I want to know where this information comes from.
Product: Credit reporting or other personal consumer reports

I recently review a copy and of my credit report. I noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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: Debt collection

XXXX, XXXX and Complaint against XXXX XXXX XXXX XXXX XXXX and Bank of America I demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.