23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection Bureau Hudson Valley Inc. continuously attempts to collect an alleged debt that they claim that I owe them. They then reported the alleged debt to the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

In the process they have broke several laws, identity theft/fraud by obtaining my personal information without my consent, invaded my privacy by illegally obtaining medical records without my consent.

They violated 15 usc 1692b ( 2 ) by stating that I owe a debt ( which I provide proof of on exhibit A ), 15 usc 1692b ( 5 ) by using language and symbols on their letter that they mailed to me which shows that they are a debt collection agency ( their name alone gives away that they are a debt collector ), 15 usc 1692c ( 1 ) by communicating with me without my consent, 15 usc 1692e ( 2 ) ( A ) by claiming I owe an amount of {$510.00} but sending a bill thats in a positive amount. If I owe something it should be a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Mortgage

After hurricane Ian in Florida, I have been offered help from Loan Depot Mortgage Company, stated that due to hurricane you can request help up to 3 months forbearance by phone call. After the three months they supposed to do evaluation and may add 3 months forbearance at the end of the mortgage term. And they requested from me to make sure I start making my payments after forbearance terms finished. As we got agreed that after the forbearance period, which was for XXXX, XXXX and XX/XX/2023. I did my payments on XXXX XXXX as we agreed. After I started receiving letters and calls saying that I am behind for my payments many times. I told them exactly what we were agreed to ; Loan Depot may put all forbearance period by the end of the mortgage terms, but before that they need to make an evaluation about my financial situation ; and as we got agreed that I started making my payments. Before they do any evaluation for my economic situation suddenly, I received an alert from credit agencies that Loan Depot reported as missing payment without mentioning about disaster forbearance and did dramatic damage on my credit report unethically. I sent them an e mail and wrote them this treatment is very unacceptable for hurricane victims. They are not following the terms that they mentioned after hurricane IAN. Never got any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  placed an inquiry on my Equifax credit file dated XX/XX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my EIN and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.
Product: Checking or savings account

XX/XX/22 - I made an appointment with a Wells Fargo branch to close my dads account - I am administrator of his will. After 1 hour of sitting in the branch with the manager on the phone to the estate department and sending all of the required paperwork, I left the branch to go to another appointment. Subsequently I filed a complaint and escalated the problem. The next level said they would investigate and get back to me in 10 days. when they didn't get back to me I escalated it again. This level said they would investigate and get back to me in 10 more days. The did get back to me and said I would have to make an appointment and go to a/the branch to close the account. I said no and escalated it again to the office of ECMO. They called me this morning and said I would have to make an appointment and go to a/the branch or call the estate dept and do what they asked. I chose to call the estate dept and they said I needed to make an appointment at a/the branch or they could send me a form that I had to get notarized, mail it back and it would take 15 days plus mail time. I feel like I did all the right things in the first hour and that someone needs to hold Wells Fargo accountable. Wells Fargo is just stalling to keep the money as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to act on multiple documents sent to them via CFPB as well as their online dispute services. I have sent a letter from the Creditor XXXX as well as a FTC Report. 

I am requesting immediate removal of these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I'm reopening the case for XXXX ( attached ) because it never got resolved and including Equifax. I reached out to all the hard inquiries listed on my credit report. Attached are the responses from the inquiries that responded back. Also attached are the letters I sent to XXXX and Equifax demanding these inquiries be removed immediately. The addresses listed on my credit report are apparently invalid, they came back return to sender.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the Date Opened and Credit Limit, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX Date opened is incorrect. 
Credit limit is inaccurate. 


I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATELY.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I received an email from the XXXX and XXXX XXXX XXXX XXXX requesting that I sign an Early Termination Balance Forgiveness Contract. 

On XX/XX/XXXX at XXXX XXXX, a Cease and Desist Demand was emailed to XXXX and XXXX XXXX XXXX team as they were still requesting payment before the contract was signed. 

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX and XXXX XXXX Manager stating that they were not seeking payment on my account, only asset, and as such my request for Cease and Desist Demand did not apply. 

On XX/XX/XXXX at XXXX XXXX, the apartment keys were delivered to XXXX and XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX  Manager confirm that the apartment keys were received via email. 

On XX/XX/XXXX, at XXXX XXXX, I emailed a signed copy of the Early Termination Balance Forgiveness Contract to XXXX and XXXX XXXX and XXXX XXXX. 


On XX/XX/XXXX, at XXXXXXXX XXXX, I received a XXXX XXXX XXXX  - Notification of Service for Case : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, stating that all others for filing have been voluntarily dismissed its claim against Defendant WITHOUT prejudice. 

As of XX/XX/XXXX XXXX XXXX and XXXX XXXX sold my private information to Transworld Systems which has reported inaccurate information to the 3 Major Credit Bureau and a balance of {$7200.00} to my credit report which has negatively impacted my overall score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This dispute is in response to your recent claim that XXXX XXXX account has been verified that the account is reporting accurately. Despite not complying with the FCRA requirements and I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX ( XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the actual account number as required by the FCRA. I am formally requesting a copy of any documentation provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. This listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit card

FIRST LATITUDE Credit card Account number XXXX XXXX XXXX XX/XX/XXXX. 
This account was reported late My online account was having a glitch not allowing me to make payment witch caused The payment to be late and also it was reported to the credit bureaus for my payment due XX/XX/XXXX! Also it was not 30 days late which is standard time frame to report a late payment. I ask that the mistake can be corrected or forgiven that account be updated with credit bureaus to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. Thank you.
Product: Credit reporting or other personal consumer reports

I have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over 120days in XXXX of 2023 but the loan has been paid off prior to XXXX of 2023. 

XXXX XXXX XXXX U S DEPT OF EDXXXX US DEPT ED I have reported this several times to these companies along with the three major credit buraus XXXX, Equifax and XXXX
Product: Mortgage

As my mortgage is more than 90 % paid off and my taxes and insurance have already been paid for the year. I have requested from LoanCare on two separate occasions in writing to stop collecting escrow on my account and return the overage to me in the form of a check. This is in addition to the two phone calls that I have made spending a total of 90 minutes on the phone requesting the same exact thing. 

The current amount of the the overage is {$380.00}. 

Dealing with Loancare has been a nightmare from the very beginning. The main reason why I have advanced my mortgage is to make sure that I will not have to deal with them any longer. 

Judging by the horror stories on the internet regarding Loancare and their feeble attempts to service mortgages, this is a widespread problem.
Product: Debt collection

Debt collection from ALDOUS and Associates showed up on XXXX XXXX for {$130.00} on XX/XX/year> I have no knowledge of this debt and havent received any notification of this debt prior to appearing on credit report. 

XXXX am XX/XX/year> called Aldous to get information on debt. Aldous verified name, address, and last four of social, then proceeded to ask for a credit card number to process a {$1.00} payment to tell me what the details of the debt were.

I do not feel comfortable giving my card number to a company that might be a scam considering I have no knowledge or written notice/email/carrier pigeon notification of a debt prior to showing up on my credit report.
Product: Credit reporting or other personal consumer reports

This is my second 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX PA XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

after paying off my account in full I received an interest charge. I had recently moved to a new address and notified the credit card company of the new address but never received any statements showing the interest charges on my account. several months later when I tried to use the card again it was declined which is the only reason I saw the late payments. shortly after I received a notification that my credit report had been negatively impacted. I tried resolving this directly with the credit card company and although they acknowledged that statements had been lost in the mail with other accounts and that it usually happened with address changes they refused to take this into account. I explained that I had no knowledge of any balance on my account and that I had never missed payments before. 

In XXXX of 2024 I paid the entire balance of {$570.00}. 
in XXXX they charged interest of {$11.00}. I never received a statement. 
In XXXX they reported the account as past due in the amount of {$13.00}. I still had not received a statement or bill. When i learned this i immediately made the full {$13.00} payment to the credit card company and began my dispute with them.
Product: Money transfer, virtual currency, or money service

Hi Team, I have initiated Transfer to XXXX ( XXXX XXXX  ) on XX/XX/2020 through Western Union and promised to complete the transaction on 2 working days. 

Tracking # ( MTCN  ) : XXXX XXXX XXXX Its been two weeks and receiver bank / account not get received amount so far. 

i have raised complaints on both to XXXX and Western Union regrading issue. 
XXXX confirmed they were not able to track transaction and asked me to get in touch with Western Union. 

I have tried all possible ( Mail / Chat / Phone support ) options by raising 10+ service requests and no valid response / resolution from Western Union . 

Last Message received from Their Chat customer executive : XXXX XXXX XXXX ( XX/XX/2020, XXXX XXXX  ) : I apologize about the problem you had but presently XXXX is facing issues in their Banking system, you can check on the banking new in XXXX for the month of XXXX. 


IF Western Union Partner bank is having issue, how could be responsible for delay Can you please help me on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my XXXX XXXX, even after I now have more availability. The credit scores should increase. This needs to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX  : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Product: Mortgage

I had my credit report ran from my preferred lender for my first time home purchase. There is an account with TCF National Bank that is showing up on my credit report. Due to this error on TCF National Bank 's wrong doing, I was denied the loan. I have been going through the process of getting them to remove this other consumers mortgage account off of my credit report, but have been unsuccessful. I keep getting the " run around '' from them. I signed a power of attorney to have a mortgage professional help me with this but they are getting the " run around '' as well. I have called, faxed, emailed my social security card, my drivers license, copies of utility bills and even my credit report showing proof of their error ( s ). I do not know what else to do because i am going to lose my earnest funds and ca n't get TCF National Bank to write a letter explaining that this is their error, with an XXXX confirmation number/code to help underwriting understand that his is not my fault, and to ultimately get this account that is not mine, off of my credit reprot.