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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

World Finance company added a invalid charge off to my account. It states that I owe them a balance of {$470.00}. And my last payment was XX/XX/XXXX. I never made a payment to them and i never open this account. 

I had a charge off with them and {$260.00} was remaining. Below is the attached from that.And that account was in XXXX. Why are two balances reporting to My credit report? Please delete this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX, Credit XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... XXXX
Product: Debt collection

I have been disputing this inaccurate account with Genesis Credit for some time now. i sent them a letter asking for validation of debt and I received documents back with someone else 's information on it. Attached to the debt they claim I owe is a social security number that does not belong to me. Here is the tracking XXXX XXXX XXXXXXXX XXXX XXXX. How can they report this account on my credit reports and state that this debt is valid if they do not even have my correct information? How do they know that this account belongs to me? I demand that this account is deleted from my credit reports now.
Product: Debt collection

I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.
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 repeated 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: Payday loan, title loan, or personal loan

I applied for a personal loan through Avant months ago and have made payments timely. I've been helping family during COVID-19 and this was the only loan I could get at this time. The interest rate is 35.99 % and I've asked for a lower interest rate and was told they can't do this. It's an excessively high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND XXXX.
Product: Credit reporting or other personal consumer reports

I requested a bill statement from the creditor, and account holder. The information enlisted on the report is incorrect. Please remove the following accounts and information from my personal credit report including XXXX, XXXX, XXXX, my social security number and address. It does not belong to me. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Today I write to you about the abusive powers of customer service agent, What I speak of is not a horror story but yet a real life occurrence for procedural neglect. 

I purchased a new phone when my credit score was XXXX. 
A {$640.00} phone with a {$85.00} a month contractual agreement based n the fact that per the news channel my current Phone provider was experiencing satellite problems and 90 percent of my business is phone and internet based. 
A clever trap or castrated by time and monetary discrepancies. 

So in XXXX I plunged into a new contract with all the intentions of creating a better credit score upon completion. 
I was told by the agent on hand that the equipment could be returned in 14days if I was unsatisfied. 

Believe it or not, once activated the XXXX XXXX phone actually locked itselfA security feature that left me locked out. 
No incoming or outgoing calls so very strange. 

First Incursion When I took it back to the dealer, I was told that the unlock code was something that only XXXX XXXX could help me with. That he could not help me even though I just purchased the XXXX XXXX days ago. 

Second Incursion By the second visit I was a little spooked..When I approached the customer service agent he stated that there was a {$55.00} restocking fee, I agreed but was then told to wait as he recanted the statement after he spoke to the other agent .I was then told that I could not return the {$640.00} phone even though it was within the fourteenth day time period, and that I could not get a new one even though the old one was defective. Wow, what a combative customer service environment. I asked to speak with the manager and he told me he was the manager A guy by the name of XXXX..at least that is what his name tag said. 

Third Incursion By this point it was all customer service on the phone..where they told me to take the phone back to the store. Upon diagnostic of the phone they still could not decipher the code. 

Being a business identity I have sent this information as a prelude to sue.. 

This phone is used for my business and was purchased an listed as a business entity. 

XXXX XXXX XXXX XXXX As a sole proprietorship ... my business is suffering based on recent credit denials. 

Please listen to the following recording.
Product: Debt collection

On XXXX I sent a letter to Midland Credit notifying them of their attempt to collect the alleged debt ( s ) violated Tennessee Code 47-50-112 ( a ) making the alleged debt or instrument unenforceable. This account continues to report on my consumer credit report which is also a violation of the FDCPA. In addition, Midland Credit has violated 1006.6 ( d ) ( 4 ) ( i ) ( B ) failing to obtain prior consent before sending electronic communications.
Product: Mortgage

On XX/XX/XXXX I reached out to my mortgage company to find out what the numbers would be if I refinanced, they transferred me to the refinance department which is handled by Amerisave I was speaking with XXXX XXXX with Amerisave Mortgage Corp XXXXXXXX ID # XXXX, Mortgage Banker XXXX ID # XXXX, after he gave the numbers, I said I wasn't interested, we ended the conversation and hung up, shortly after I received an email : XXXX XX/XX/XXXX, XXXX ( 6 days ago ) to me XXXX XXXX XXXX Thanks for your mortgage application. Expect a credit decision and rate/closing cost quote soon. The attachment provided details your credit score and how its calculated. As you have not given consent to receive disclosures electronically, a copy of your credit report notice will also be mailed to you. If you have any questions regarding your credit score please contact us. Warmest Regards, XXXX XXXX Mortgage Banker XXXX XXXX # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX East XXXX XXXX, XXXX XXXX XXXX AZ XXXX XXXX Desk Fax XXXX Visit my personalized webpage : XXXX XXXX XXXX  I didn't think anything of it until today I received settlement papers. I called him and he hung up on me, I called my mortgage company and they transferred me to the refinance department which they apparently partner with Amerisave and I spoke with a XXXX, I explained to her that I want to speak with a supervisor regarding this issue, she stated she has sent a message to the supervisor and he'll be reaching out to me. At this point I am very uncomfortable with these people after this incident. I told him that I was not interested and we had ended the conversation with him telling me it's too early to refinance, then why the email and why am I receiving settlement papers?
Product: Debt collection

There are fraudulent things on my credit report from this company I've reached out to them and has gotten no response.
Product: Student loan

XX/XX/24 Received communication that my loans were put into forbearance because of the SAVE court case. I am in the PSLF program. I was still receiving invoices to make payments on my loans for XXXX and XXXX and made payments. I come to find out that the payments I had already made were not required and did not count towards my PSLF, but Mohela failed to send accurate information in time. 

XXXX Received communication that interest is accruing on my loans because they are in forbearance. However, the federal government clearly stated that NO INTEREST would accrue on loans in the SAVE plan because of the court case. I immediately tried calling the help number : XXXX. Multiple attempts the call wouldn't even connect and the one time it did it had a recorded message that I would need to call back later with no explanation. I called during the servicing times. I will continue to call. I made another attempt to contact MOHELA through their email listed. Message was sent same day and will wait on communication.
Product: Debt collection

I receive no less than 4 calls a day from Discover Card, which is disruptive to me and is harassing. I receive these calls starting at XXXX every day of the work week
Product: Mortgage

carrinton mortgage started servicing my loan XXXX XXXX from XXXX XXXX XXXX I was in default and now am paid up as of XXXX/XXXX/XXXX with help from homekeepers program the bank was supposed to recast the loan and give me statement on disbursements on how the monies were paid out as of now they have not given me a statement on what my monthly payment is supposed to be 1 letter said {$2300.00} the 2 said {$1600.00} the website says {$810.00} and someone I spoke with said it is {$1400.00} they just received {$50000.00} to bring my payments up to date so I was not in default and lower my payments so it was more affordable and my payment is due by XXXX/XXXX/XXXX and they are not giving me a straight answer on how much my payments are and it is putting me in a situation of being in default and I was told that they are not going to send me a statement or payment coupon and they do n't have to. 
they are also not endorsing an insurance check from XXXX under payment which I had to have a third party neutral review despite their policy clearly state as long as I am currant and the check is under XXXX send it in with the adjusters report unsinged and they will endorse it and send it back I sent in all of the documents as well as invoices and proof of payments,3rd party recommendations they also sent an inspector who said it was 100 % they sent the check back unsigned and altered it by stamping the front they have only had loan for 4 months and I feel they are trying to make me default on my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXXXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/23 to XXXX and Equifax to remove erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing and rectifying an issue with XXXX XXXX, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, XXXX XXXX is reporting false information related to the debt at hand. 

Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, XXXX XXXX has no legal grounds to report this debt or any related information to the credit bureaus. 

I have attempted to resolve this matter directly with XXXX XXXX, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit. 

I respectfully request that the CFPB investigate this matter promptly and require XXXX XXXX to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. 

Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.
Product: Credit reporting

I have repeatedly requested for documentation from XXXX to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Equifax. Equifax informed me that their investigation consists on them taking the word of XXXX that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the XXXX company at their word. XXXX is subject to a True Consent order imposed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I thought you created laws to protect consumers? I do not feel protected. Aidadvantage ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and XXXX report be removed from my consumer report : 1. XXXX  # XXXX 2. XXXX # XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX # XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
Aidadvantage has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.
Product: Mortgage

Our mortgage provider has closed our escrow with a surplus ( owed us ) of  {$980.00}. 

They are still collecting escrow which, is INCORRECT. Please help me collect the monies that are a surplus on our account. Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).
Product: Credit reporting or other personal consumer reports

I informed XXXX, Experian, and XXXX that the information reported on my credit report was inaccurate and needed to be removed. The accounts in question were either not mine or had been paid off with the original creditors. I provided certified mail and supporting proof to all three credit bureaus. However, I have not received any correspondence from XXXX, Experian, or XXXX regarding this matter. 

They have falsely reported inaccurate information and refused to remove it. This has caused me significant financial hardship, as I am unable to secure lending or housing due to their failure to correct the inaccuracies on my credit report.
Product: Credit reporting

There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX
Product: Debt collection

This company ( Midwest Recovery System ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : XXXX XXXX XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <XXXX   of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> inquiring about a freeze on my report because I am under contract for a home and my lender has been unable to pull my report. I was told that there was no freeze or fraud alerts preventing them from pulling my report. This was not true, as the lender sent multiple proofs that Equifax had my report frozen. On XX/XX/year> finally Equifax told me that the issue is Id need to send in verification document 's such as license and social security card in order to remove the block, I was told it would take 5 business days to complete. Those documents were sent in by me, on XX/XX/year> certified mail with a delivery date of XX/XX/year>. As of today, XX/XX/year>, this has still not been complete. I have called to follow up almost every day since then and they are not answering my questions, just telling me to continue waiting. I am now at risk of losing my home purchase because Equifax is not handing this matter timely.