23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) XXXX  Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. 
Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. 
Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of XXXX interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor XXXX, as under Act a ) ( 5 ) Validation period XXXX  sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies Credit Control LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX all were whom XXXX resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, Natl Assn, ( 11th Cir. Feb. 11, 2020 ). 
Credit ControlLLC mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. 
The actions of XXXX XXXX  to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXX, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company XXXX can not charge interest and fess after Charge-off sold debt, where XXXX  may already have 1099-C issuance relief, nonetheless the calculated amount for which XXXX  reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. XXXX also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when XXXX was noticed to close the account during COVID XXXX error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month XXXX cancelled the relief yet continued it for another XXXX account for which consumer pays {$88.00} without fail, being. XXXX account XXXX
Product: Bank account or service

RE : EBAY ITEM XXXX I am having a problem with the billing for this item. When I checked out at purchase I was given XXXX billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. 

However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. 

I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On XX/XX/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. 

I believe changing the terms of a sale after close is a fraudulent business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

XXXX XXXX is reporting this account as not paid. This account has been resolved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION 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 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 XXXXXX/XX/XXXX I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment, as mandated by 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct this with the credit bureaus and the creditor/lender, the incorrect entry remains. I request the CFPB 's assistance in investigating this matter and ensuring the erroneous late payment is removed from my credit report. 
LATE 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 or other personal consumer reports

I am filling a request again today, to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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

DEBT RECOVERY SOLUTIONS LLC has been in violation of the FDCPA and FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against DEBT RECOVERY SOLUTIONS LLC.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It May Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard.

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with XXXX, Experian, and XXXX, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. 

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona.

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. 
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.
Product: Mortgage

Back in XX/XX/2021, I was late paying my mortgage payment. I tried via phone and through the website to pay. The phone system said the payment had gone through though it had not. Trying to pay online was also extremely difficult and convoluted. After I had finally made the payment, it was late and reported to the credit bureau as delinquent even though I had attempted repeatedly to make the payment. I reached out to the company twice to ask them to remove the reporting. Not only did they not remove it, they did not even listen to my complaintjust sent an automated response. I would like them to remove the reporting and improve their methods of accepting payments.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

On XX/XX/XXXX/2024, the roof on my attached garage collapsed. This resulted in the loss of electricity and heating, and forced my family out of our home. I filed a claim with my insurance company XXXX and XXXX. I was then told by the insurance company that my policy had been cancelled in XX/XX/XXXX 2024, and that they had sent out cancellation notices to me and my mortgage company. I did not receive any notice, and neither had my mortgage company ( Mr Cooper ). I was told by my mortgage company that the policy was paid for and active. The escrow account had sent a check of {$720.00} to XXXX and XXXX for the policy on XXXX/XXXX/24. XXXX and XXXX now claims that they never received it and will not process the claim. Neither company is taking responsibility for their negligence.
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. 
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 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. ( a5 ) 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

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX car loan has already been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another.

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system.

The inaccuracy on my report does not benifits me. There is no Equity for me.

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Checking or savings account

Every month regions takes money from my account for overdraft fees. I can't say how long it's been since I had access to my full paycheck.
Product: Mortgage

Overpaid property taxes and have failed repeatedly to recover overpayment.
Product: Debt collection

A company by the name of Midwest Recovery System has reported I owe {$550.00} from a Credit Card with XXXX XXXX XXXX I had 2-3 years  ago. I paid this account off with a settlement payment with the creditor. 
Within the last 45 days, I received a letter from a collection agency stating I owe a balance of {$550.00} to XXXX XXXX XXXX. 
I explained to this collection agency that I paid this balance. The rep stated he was contacting the company that was handling my account. I also requested a copy of my bill and someone to contact me regarding this bill. 
Since my last time talking with the collection agency 45 days ago, I haven't back from anyone since through mail or phone. 
Today a collection account appears on my credit file even though I have requested this account be reviewed and I be sent supportive documentation regarding this balance. 
This collection agency has violated the Fair Debt Collection Practices Act by not providing me with my requested documentation to prove this debt is indeed owed. They just applied to my credit file as a collection to show negative activity rather working with me to correct this debt myself. 
I haven't heard anything from the original creditor or any other agency for 2-3 years and now all of a sudden I owe money. I need proof!!!
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. See attachment :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need you to please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/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 If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Product: Money transfer, virtual currency, or money service

Avant refuses to understand requests to remove my banking account details from their systems. I have no open accounts with them.
Product: Money transfer, virtual currency, or money service

there are two transfers that were made from my XXXX XXXX XXXXXXXX account, through Zelle, to two separate accounts. The 2 transfers were made without my authorization and without my husband 's authorization ( it came out of our joint account ). Zelle 's security system is extremely weak, how can someone access our account and still make transfers? We have already opened a complaint 3 times and they have been denied. This is absurd, disrespectful to the customer. We've been customers for 5 years and we've never opened a claim with Zelle, we've never asked for any transfers to be returned, but this time we're going to do everything possible to have the reversal because we don't authorize these transfers. I don't know how to proceed from now on because I can no longer appeal to the bank. But I want to cancel my accounts and cards as soon as possible because I don't trust XXXX and Zelle anymore.
Product: Mortgage

My mortgage company bought my mortgage while it was in Covid Forebearence Protection, when the last mortgage company bought my mortgage, I was told before hand it would be added to the end of the Loan. When new mortgage bought the Loan, the informed me that they were the new Mortgage company, and did not have to Honor what the previous mortgage company said what would happen to my loan, because they ( Did not have to Honor previous Covid Forebearence Agreement, that was made between me and them ). The new mortgage company is showing the Loan, 371 Days Delinquent, and are Demanding full payment, or will possibitity start foreclosure on my mortgage and home. I had no choice but to agree to try to start paying them regular monthy payments, even before the agreeed upon forebearence had expired. the new mortgage /collection company is sending me Deliquency Notices , and stating that I may loose my home, after taking monthly payments, but are now saying they require the TOTAL AMOUNT DUE, in the next few days to bring account current, and stop any Foreclosure from being generated against my loan and property.. They are charging me a high rate of Interest currently based on loan being involved in Covid Forbearence, of almost {$14000.00} Dollars, to bring loan current, and contuine to make regular monthly payments, as agreed .. Their records show the account is past due from 2022, while under Covid Forbearence