23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rewrite long strict message no big words : In my recent complaint, XXXX XXXX, a Compliance Manager from NRA Group, claimed that I owe them money based on their records and information they gathered from various sources. What struck me as odd was his insistence on the need for a police report, as if it would discredit my case. Just to clarify, I submitted reports to any company I suspected of having incorrect information about me, and this action wasn't exclusive to NRA Group. I want to make it crystal clear that, for this specific situation, a police report isn't necessary. My intention was simply to provide a comprehensive overview of my circumstances.

Furthermore, as I've mentioned previously, my address remains incorrect, and I had no prior knowledge of this account. The mere coincidence of someone else in my city sharing my name does not automatically make me responsible for this debt. I'm standing my ground on this I refuse to pay someone else 's debt. It doesn't matter whether it's a small medical debt or not, and even if it won't affect my credit report, I still require evidence or the removal of this from my account. 

To resolve this matter, I demand genuine proof, such as signatures or identification, to validate that I am indeed the individual responsible for this debt, be it a medical bill or any other type of debt. My primary concern remains the confirmation of my identity. 

I must emphasize that the contents of XXXX XXXX 's last complaint seemed perplexing to me. From my perspective, he should be capable of presenting concrete evidence regarding the debt. At present, it appears that he and his company may be overstepping their boundaries with regard to my rights, and I'm meticulously documenting all relevant information.

On a related note, there's a previous complaint that remains unaddressed. There are two significant issues I wish to highlight : 15 U.S.C 1681 section 602 states I have right to privacy 1. In accordance with the Fair Credit Reporting Act ( FCRA ), they are prohibited from sharing information about my account without my explicit consent. This provision is essential for safeguarding my privacy.

15 U.S.C 1681 Section 604 a section 2 it states that consumers report can not furnish an account without my written instructions. While they mentioned verifying information from another source, it remains imperative that they substantiate the legitimacy of the debt and my liability for it. 

In summary, my primary objective is to ensure the preservation of my rights and to insist on the presentation of adequate documentation to substantiate their claims.
Product: Debt collection

XXXX XXXX XXXX negotiated a debt payment plan with me XX/XX/XXXX. I have paid $ XXXX, as agreed. The business office has called over the years since the plan was set up asking me to renegotiate. Last year they stopped providing me with statements. When I asked for a statement, they sent one by email that I am unable to access. I still made my payment on time every month. I received a letter in XX/XX/XXXX from CAC Financial stating my account had been turned over for collections. I do not have a payment plan with CAC and do not wish to negotiate one.
Product: Mortgage

Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

It is now XXXX  days that i have contacted Experian to remove the inquiries that i did not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Several weeks ago the Louisiana St. DL system was hacked into and I was advised that I should make certain that my credit was frozen. I did so online with XXXX and XXXX and tried to get my credit information frozen with Experian but the Experian website keeps taking me to a page that requires me to create an account. I fell for this once before with Experian and was charged for requesting to have my credit frozen because Experian requires you to create an account in order to request a credit freeze and then later they bill your credit card for {$25.00} per month. Now I am forced to request a freeze on my credit by mail. 

Why can't Experian just allow people to freeze their credit information on line without having to create an account which Experian later charges you for in a VERY subversive manner? This is a scam and needs to STOP ASAP. 

In addition, I think Experian should reimburse me for the {$25.00} that I was unexpectedly charged to have my credit frozen earlier. 

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

Disputed unauthorized accounts with XXXX XXXX XXXX and United Revenue Corporation in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and United Revenue Corporation with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and HIPAA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

7. A HIPAA release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Santander Consumer department ; Listen, I'm a little concerned about how this account continues to report on my credit profile. There are so many inaccuracies, incompleteness, and misleading information. See the attachments! Why are there so many inconsistencies in the way it's reporting? How come? Each credit bureau is reporting a different amount owed - which i already paid off the accounts months ago! Each credit bureau is reporting different dates of last active, dates of last payment, dates of last verified, different comments on the account, inconsistent with payment history, etc. I paid off this account but XXXX  is showing that i still owed $ XXXX? How? Also, the date opened seemed questionable? Also, i'm missing a lot of payment history ... Look at it closely on the attachment ... Impossible that you verified this account from my previous disputes and yet it continues to report all these errors. Delete for inaccuracies! Even the account rating shows, closed, open, and paid! HOW???
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both XXXX and Experian have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement. FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. Despite my formal disputes, XXXX and Experian have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. 
This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. I request that the CFPB investigate the following issues : XXXX and Experian 's failure to conduct reasonable investigations into my disputes under FCRA Section 611. XXXX illegal re-aging of the account and continued furnishing of inaccurate information. 
The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities. 
I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.
Product: Debt collection

What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the XXXX Mortgage holder was Sun Trust Mortgage. This previous XXXX XXXX  was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st Sun Trust Mortgage that still exists and needs to be removed now when Sun Trust Claim & The legal basis of the claim now is made known via a Sun Trust Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX XXXX XXXX  Loan who assigned the modified loan to Seterus.Com ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by Mr.Cooper.com of Texas who still this new modified XXXX XXXX  holder. 

This current modified XXXX Mortgage is current and always been so. The current monthly payment as specified by Mr.Cooper.com is $ XXXX with {$600.00} for XXXX XXXX  Payment and XXXX XXXXMo for Escrow. 


What Happened? 

Until XXXX, XXXX when Sun Trust Mortgage selected 3rd Party Debt Collector, for more than 10 years, Sun Trust Mortgage never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the Sun Trust Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified Sun XXXX XXXX POC, to determine legimacy and fairness by a specified XXXX for Sun Trust Mortgage. 

Discussed by qualified legal representative for myself & family. Once this SunTrust Mortgage claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the Sun Trust lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of Sun Trust Mortgage that does not specify either the " Sun Trust Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the Sun Trust Mortgage claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such Sunt Trust Mortgage examption claim via conversation with a qualified Sun Trust Mortgage POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX XXXX Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against XXXX, in XXXX, XXXX for assistance in receiving such legal clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

XXXX
Product: Debt collection

I keep receiving notification from radius global solutions regarding an old XXXX XXXX XXXX account with incorrect amount dues. The amount requested is {$2300.00} for account number XXXX which is incorrect. According, to 15 US Code 1692c ( c ) " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''.
Product: Credit reporting or other personal consumer reports

. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Debt collection

This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX  immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.
Product: Credit reporting or other personal consumer reports

XXXX is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with Experian but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2023, I submitted an application to Barclays for a XXXX XXXX XXXX and it was assigned application number XXXX. By letter dated XX/XX/2023, I received a letter stating that Barclays was unable to approve me for a XXXX XXXX credit card account because " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' The letter further stated that " A credit bureau report was not used in making this determination. '' I have never had any previous credit card account with Barclays that experienced " charge-off, bankruptcy, severe delinquency, or other negative performance. '' The denial of the application for a XXXX XXXX XXXX was apparently a direct result of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status and/or age. There were no other basis that would have justified the denial of the XXXX XXXX XXXX.
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for violations.
Product: Credit card or prepaid card

Citi  Costco Anywhere   XXXX   Card   Billing Dispute Depart ment is not doing its job of resolving my issues.  Citi is favoring the merchant instead of me, its customer ( consumer ). I did not even receive an acknowledgment letter from Citi to indicate that the supporting documents have been received and that my dispute is being reviewed. I do n't know what their mind-set is, but Citi employees have to clean up their acts and do a better job. Perhaps, the Billing Dispute Specialist did not even read the whole dispute and all the attachments. How ironic that the employee 's title is " Specialist '' which means he/she is highly skilled and is expected to know ho w to resolve disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX Account # : XXXX- XXXX ( reporting the same debt twice with two different account numbers. ) XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original XXXX : XXXX XXXX XXXX  ) Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) XXXX XXXX Account # : XXXX ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act Convergent Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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