23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been repeatedly receiving calls from the law office of XXXX XXXX XXXX XXXX which I believe to be a fraudulent business. 

They have been attempting to collect an unspecified amount of debt from an unknown creditor. I went to their website and was able to log in with my zip code, which is hardly a secure way to access personal details of mine which I believe to have been stolen. To my knowledge, I do not have any debts for which my payments are not current and I have never missed a debt payment in my entire credit history. 

Today they left me what sounded like an XXXX XXXX voicemail with a clearly robotic voice at the end reading a reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been working with the creditor Kohl 's regarding account XXXX. The credit grantor has changed he account status to OPEN when it was CHARGED OFF XX/XX/XXXX, and continues to report the account derogatory. I have sent the bureaus and the creditor certified letters and have been utilizing credit repair agency XXXX XXXX for additional assistance. Due to the erroneous and conflicting information, I request that this account be DELETED under the provisions below : 15 U.S.C 1681 Section 602A : states I have a right to privacy.

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions.

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has a late payment on record. 
Arkansas C, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX. 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX Bank XXXX 
XXXX  XXXX, account number XXXX, which is in collections and was originally held by 08 XXXX  XXXX Bank XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the late payment on my XXXX account may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or around XXXX XXXX XXXX, Chase Bank allowed an unauthorized withdraw of over {$24000.00} in different large uneven denominations from our HELOC and transfer into our various accounts which was subsequently wired out to a credit union and and unknown individual in California. This occurred in at least 7 separate transactions over two days, which we were NEVER notified of. I noticed the huge amounts of $ being depleted from our HELOC and immediately reported this to stop the bleeding. 
I reported to the XXXX XXXX XXXX XXXX office and the FBI and the Ohio Attorney Generals office. Chase has been no help in recovering the funds stolen from our HELOC.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter today ( XX/XX/2021 ) from American Coradius International LLC ( " ACI '' ) claiming that XXXX had placed my account with them for collection of a debt. This is clearly fraud and a quick search online shows that many, many other folks have received similar fraudulent letters from this company trying to collect a PayPal debt they do not have. 
First of all, the letter from XXXX lists a PayPal account number. According to the PayPal website, PayPal accounts do not have account numbers! They are tied to a user 's email address.

Secondly, I have two PayPal accounts ( personal and business ) and neither has ever had a debt since they are both set up to auto-debit any expense from my linked bank accounts. 
I am asking CFPB to PLEASE put a stop to American Coradius International LLC 's repeated fraudulent attempts to collect debts that were never owed in the first place. This has been going on for several years! How is this company being allowed to continue scamming people?!
Product: Credit card

On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.
Product: Debt collection

Please do not close this dispute as I do not accept the response. To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 

In addition please provide the contract signed between Southwest Credit Systems , LP & XXXX notarized and sworn under penalty and perjury for Southwest Credit Systems , LP ability to collect this alleged debt. 

The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest. Please send all validating records through the XXXX and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

All, The Equifax reporting agency is not updating my file to include my birthday thereby making the credit report useless because neither myself nor a bank can get my credit report or score. My credit union can not pull my report and this is costing me money
Product: Debt collection

Violation of the below 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 )
Product: Mortgage

We financed our home with First Citizens Bank ( then XXXX   XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

XX/XX/2019 {$60.00} I have reached out to my bank to resolve the issue numerous times. 

I was asked to pay a deposit for a service up front, and upon a confirmed deposit I would receive the address for the appointment. Once I paid the deposit they young lady was no longer available, and social media accounts were gone. I spoke to my bank numerous times and they are refusing to return my funds to me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.
Product: Credit reporting or other personal consumer reports

All information on credit report is incorrect. Including birth date. Multiple duplicates of same debt from years ago. Settled debt. Homeless now. Can't get a home because of credit score that's incorrect
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

by fcra rights and laws for my consumer protection i have not given trans union .XXXX  XXXX XXXX  i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports
Product: Student loan

First off, I have been trying to accomplish getting my XXXX XXXX XXXX since XXXX  when I started online college. If you see my track record, I've been to numerous XXXX  but this is because they are very fraudulent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all promised to put me in the program I wanted to be in which I've been trying to become an XXXX  XXXX for XXXX  years now. That's crazy. I should have XXXX  a long time ago. If I wouldn't have had to switch XXXX  so many times because they would put me in the wrong XXXX  and I wouldn't notice until XXXX or XXXX credits into the XXXX.. I would switch XXXX  and use my XXXX XXXX. Now I have no more aid and I'm extremely close to XXXX  but can't. That's extremely unfair, I believe. If I wouldn't have been swindled out of my XXXX XXXX XXXX XXXX I shouldn't have even attended or XXXX  I did not want to be in like business, medical, XXXX XXXX, or XXXX. I've been trying to be a XXXX for XXXX  and I could have accomplished it if the online XXXX  did what they are supposed to do.
Product: Debt collection

I contacted the debt collection agency in an attempt to settle a debt. We came to an agreement that once the amount was paid and posted the company would delete the Tradelines from my credit report on all credit reporting platforms. My bank account shows this account was satisfied on XX/XX/202, I just pulled my credit report on the above mentions were still being reported on my credit report, however it states that the account were paid in full for less than full amount. They took the money immediately and took 2 weeks to send a notice that they received the money. So they took the money but forgot to delete the Tradelines as agreed.
Product: Credit reporting

Transunion is stating I have public records and delinquencies on my credit report, and this is absolutely false. I sent an ask for a copy of my credit report with the required copies of the information the requested, and I never received my free copy. Where Transunion is getting this information is I do n't Know! I tried obtaining it online, writing through the mail and there 's always an excuse from Transunion.
Product: Debt collection

In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.
Product: Mortgage

Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX
Product: Checking or savings account

I was hit with massive amounts of overdraft fees from XXXX until XXXX. Any time I called about it, I was given a run around which only confused me. I have since closed my wellsfargo accounts.
Product: Debt collection

I want this off my credit report! It is false supposed to be medical debt without any proof I received care. I havent even been in that state since XXXX. This is not the original creditor. I want detailed documentation of what debt this is, who was the recipient of it, any documents that I signed saying that I would be responsible for debt, an itemized statement from original debt collection dated. They have not contacted me, I will not acknowledge the debt. They do not even have my correct legal name on document. The amount owed keeps changing. I want in writing the original document with dates and what supposed medical treatment I received. I want the financial details if I signed that Im responsible for this. I never signed anything. Ive never acknowledged it was my debt. I have no idea what this is. THIS IS ILLEGAL!
Product: Credit reporting

I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX XXXX Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

We completed a VA appraisal ( {$620.00} ) on XX/XX/2023 for Hometown Lenders Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX & XXXX, XXXX, AL XXXX through the VA for XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. We also did a compliance inspection ( {$150.00} ) on XX/XX/2023. The company never paid us for either invoice. They owe us $ XXXX {$50.00} late fees= {$820.00}. They closed the loan and never paid us. They were contacted XX/XX/2023, XX/XX/2023 and XX/XX/2023. I finally spoke to XXXX XXXX ( XXXX ) XXXX on XX/XX/2023 and he advised he was no longer with the company and good luck getting paid as they did not pay him his final paycheck. I have contacted them through email with no response. Their phones are disconnected. VA suggested I contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that there are multiple XXXX   days+ late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces^ was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA XXXX and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for the violations.