23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of charge off on my account, despite repeated attempts to address the issue. This letter constitutes a formal complaint concerning the many unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the account, as well as implementing robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I did not receive any validation letter from the collection company via mail or electronically
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CORNERSTONE / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting  information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.
Product: Credit card

I was solicited my mail with a Pre-Approved credit card offer from Capital one. The offer was for 0 percent APR for on purchases until XX/XX/XXXX. The offer included a reservation number and access code. Capital begin charging interest on my account in XX/XX/XXXX. When I inquired about the charges, they said my 0 percent interest promotion ended in XXXX of XXXX. 
I Explained that the XXXX date was different from the promotion I was approved for. However, the rep insisted that I was only approved for a 9 month 0 % APR and 29 % APR thereafter. This is represents deceptive marketing - bait and switch. Nothing alerted me when I received the online approval, that I had only been approved for 9 month 0 % APR.
Product: Payday loan, title loan, or personal loan

I was in a dire need for money to cover some immediate medical expenses and found this company online. I applied via phone call to Blue Trust Loans ( a.k.a. XXXX Hummingbird ) The Loan amount was for {$1300.00}. I was explained the payment plan was laid out to be 6 payments of {$370.00} taken out each payday via ACH to pay back the loan. I have now paid back over {$1800.00} to this company and called them to find out how many payments are left and to see how much principal was still left to be paid and to make arrangements to pay off the remaining principal. At that time the person at Blue Trust Loans told me I have to pay all of the interest on the loan on top of the principal which comes to a total of {$6600.00}. The APR applied to the account is 635.03   %. They will not allow me to pay off the principal on the loan and said I must pay all of the interest. I have already paid {$500.00} over the actual loan amount and they refuse to allow me to make arrangements to pay off my principal balance. This is absolutely criminal and predatory and they have to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies
Product: Mortgage

called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.
Product: Payday loan

The amount of interest is ridiculous. I applied for this loan and did not anticipate it working like this. I make good money, and was in between jobs. My payments are over {$300.00} and that barely covers the interest. I am in Louisiana and from the laws I can find this is a illegal practice. The company has links to previous loan statements but every one of them says the document is unavailable. I can see this company creating a new invoice with whatever numbers they would like.
Product: Debt collection

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Checking or savings account

I had an automatic payment from my Bank of America checking account set up for a mortgage I held and for the   XXXX    XXXX , 2010 due date, and the payment was never initiated. I did not learn of this situation until the payment was 30 days late and Bank of America, on the phone, admitted it was due to a glitch. I asked for documentation to provide to the creditor and they promised it, but later refused when I followed up. I escalated and they later claimed I turned off the autopay, which I did not do. I receive alerts for any online banking changes and none existed for this change they claim I initiated. I asked for their audit trail evidence proving I did it and again they refused. This late payment on my mortgage dropped my credit score by about   XXXX    points and it still has not recovered years later.
Product: Debt collection

Dear Sir/Madam, I am writing to submit a dispute regarding a debt collection by Radius Global Solution , which has been incorrectly reported on my credit report with XXXX. 

I have recently discovered that Radius Global Solution has placed a debt on my credit report, despite not being licensed to collect debts in the state of North Carolina. Furthermore, the statute of limitations for this debt has expired. 

I believe that the inclusion of this debt on my credit report is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Radius Global Solution for their unlawful collection practices and inaccurate reporting. 

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Additionally, I request that the Consumer Financial Protection Bureau provide me with written confirmation of the actions taken to resolve this dispute and any updates regarding the investigation.

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

EQUIFAX, XXXX and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. EQUIFAX, XXXX and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow EQUIFAX, XXXX and XXXX to report any information and Consumer did not authorize anyone employed at EQUIFAX, XXXX and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at EQUIFAX, XXXX and XXXX and have been railroaded by EQUIFAX, XXXX and XXXX to ignore my Consumer issues. Under XXXX XXXX XXXX ( XXXX ) Permissible Purposes Consumer no longer want EQUIFAX, XXXX and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. EQUIFAX, XXXX and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. EQUIFAX, XXXX and XXXX has also violated 18 USC 241/242 Deprivation of rights under XXXX of law because after so many attempts to have this information removed.
Product: Debt collection

I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt. 

Attached to the letter were XXXX statements. 

Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect.

To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc . 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692. 

Please send me a certified copy of your license to collect a debt in California. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
Product: Credit reporting or other personal consumer reports

CFPB- XXXX  XXXXXXXX XXXX ACCOUNT IS INACCURATE, CLEARLY STATES ON THE IRS . GOV. WEBSITE ABOUT CHARGE OFF ACCOUNTS. now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Product: Credit reporting or other personal consumer reports

XXXX FTC XXXX NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices. 
Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/year>, I wrote a letter to GROW CREDIT, INC to request a copy of Form 1099-C for a charge-off account under my name due to hardship, and as of XX/XX/year>, I have not received any letters nor a 1099-C back from the lender, which the IRS classifies as taxable income for canceled debt ( charge-offs ). Knowing when a lender/creditor cancels a debt, they may issue a Form 1099-C, reporting the amount of the canceled debt as taxable income to the consumer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I have identified inaccuracies in the reporting of late payments. Specifically, I have noted that late payments were reported for the date XXXX under the account name XXXX XXXX XXXX  with the account number XXXX. 

I kindly request that you promptly update these late payments to accurately reflect their status as " PAID AS AGREED. '' It is essential that this information is rectified expeditiously, as it is currently impacting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. I would be grateful for confirmation once the necessary amendments have been made. 

Thank you for your prompt action in addressing this issue.
Product: Credit reporting or other personal consumer reports

Regional Acc has sent my information to so many fly by night companies that l know my personal information is out there and explains why fraud is my every day fight. My family and I go through the stress every day to protect ourselves but this is happening day after day while Im working to support my family like everyone else. Im exhausted but will continue to have my rights. Constant phone calls every day that a person has to silence Unrecognized Phone Calls Everyday! Also Regional Acceptance did Not report to all three bureaus until me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights ; Validate Account JPMCB CARD XXXX 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. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : JPMCB CARD XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.
Product: Credit reporting or other personal consumer reports

Bank of America XXXX These creditors has violated my rights. Under 15 USC 1681, Section 602 states I have a right to privacy. Fifteen USC SIXTEEN EIGHTY - ONE SECTION SIX OR FOUR A SECTION Two, It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under fifteen USCS one six six B.

A creditor may not treat a PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I have reached out to XXXX in the compliance department on several occasions, left multiple voicemails with no returned calls. I have reached out to XXXX since around XX/XX/XXXX. XXXX XXXX I reach out to check on the status of the settlement of the debt and I was told that the vehicle has been sold. The vehicle was repossesed on XX/XX/XXXX and Bridgecrest sent a letter to me well after XXXX business days informing me that the vehicle has been repossessed. Bridgecrest is aware of how the debt is being settled and have yet to reach out to me. I also discovered that Bridgecrest received a GA title on XX/XX/XXXX from the Georgia XXXX and transferred the title to Arizona on XX/XX/XXXX. Bridgecrest did not allow me a full 30 days to settle the debt which are the terms outlined in the letter from Bridgecrest dated XX/XX/XXXX. There was only a lien on the vehicle for 21 days and they never had a title in the state of Georgia until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 CFPBS 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 is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items on my credit report. Despite my initial request and the provision of supporting documentation, the inaccuracies have not been resolved. This letter serves as my second attempt to request the removal of these fraudulent items and to express my continued concern regarding their presence on my credit report. 

I can not overstate the importance of resolving these fraudulent items promptly. Their presence on my credit report continues to harm my financial well-being, making it difficult for me to access credit, loans, and other financial services on fair terms. 

I kindly request that your bureau conducts a thorough investigation and removes the fraudulent items listed above from my credit report as soon as possible. Additionally, I urge you to provide me with a written explanation outlining the steps taken to correct these inaccuracies, along with a timeline for their removal. I need clarity and assurance that this issue will be resolved without further delay. 

If these fraudulent items persist on my credit report after this second request for correction, I may have no choice but to pursue legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. These fraudulent items should be deleted by XXXX and XXXX Credit Bureaus : 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 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