23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Last year in 2022 I had used to pay in four through PayPal. My debit card got stolen so I was like four days late making my payment. Ever since then I have been in eligible for pay in four. I spoke to a representative from PayPal back in XXXX. Who told me XX/XX/XXXX I would be re-eligible. I applied again on XX/XX/XXXX and was denied, and the reason it said was because I had not made my previous payments. I reached out to the Executive office again and XXXX told me it was more than just the late payment causing me to be declined. If that is the case, I want the exact reason. That is my right.
Product: Debt collection

I was awarded continued use of XXXX in my divorce decree. Decree states all benefits and entitlements in current party names remain in their name. At time XXXX was in my name. XXXX sent XXXX funds for tuition back to VA despite the court order awarding them to me, and then XXXX fraudulently attempted to collect tuition from me and not through the XXXX process stated in our court order. I notified XXXX and they refuse to correct without me paying them first and tell me theyll reimburse me later. I refuse to pay a debt that is not mine. XXXX sent tuition debt to a creditor who is trying to fraudulently collect.
Product: Debt collection

XXXX XXXX is reporting that I owe for a credit card on my Equifax report. I disputed this debt and was sued. I countersued because the collection agency failed to properly verify and validate the debtnafter telling them this debt was not mine. I asked for a jury trial. A date was given and XXXX XXXX failed to show up for trial. The case was dismissed. 

The collection was removed from my XXXX and XXXX reports but have remained on my Equifax. I have included a copy of the order of dismissal. XXXX XXXX did not meet the burden of proof and knowingly can not properly validate the debt so they purposely forfeited the trial.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

All monies reported to be returned from block, Inc. my account name was XXXX XXXXXXXX. I had monies in my account and I reported fraud that someone was taking my money The company closed my account and took the rest of the money I had in my account I would like all monies returned.
Product: Debt collection

Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this  company to put it back on!!! CFPB look into this!!
Product: Debt collection

This debt was left by my ex husband. He had access to all my info and left all kinds of debts on my credit
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage.
Product: Vehicle loan or lease

I have asked for Ally to send me a payoff quote. I need this in writing. I am told I need to call in. When I call in, I have been hung up on several times and then the phone system seems to not to be working at all. I should not have to talk to them to get a payoff quote. I sent them the request through their secure website, and I have received other information and documents the same way. There is no reason why they should not be able to give me this information in writing. The longer they wait, the more interest is compounding. I am trying to see if I can pay this off now instead of continuing with the high interest rate.
Product: Debt collection

the account wasn't already charge off the sold it to another company and increase the debt
Product: Credit reporting or other personal consumer reports

I havent checked my credit report in a while and realized that I had a lot of hard inquiries that I did not do, XXXX XXXX XXXX on XXXX XXXX XXXX was the hard inquiry I dont even know what it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of this hard inquiries were not made by me, Im thinking is when I lost my if and social was around the time this were made, and was just noticing these,
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, XXXX XXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the XXXX, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my son a car for college and was denied. I applied for a copy of my credit report and there are stuff on there that is not mine. XXXX XXXX/XXXX ( Acct XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. Please have these items removed. Also I see where my credit has been ran without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I'm doing this on my own and I have also contacted my local police and FTC.
Product: Debt collection

After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017
Product: Debt collection

My account was disconcted last year because i could n't work with the payment on XXXX 2015. 
The amount they are reporting is almost 5 times more that it originally was ... 

And will not pay something i do n't owe.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report. 
XXXX XXXX XXXXXXXX Balance {$470000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$510.00} XXXX XXXXXXXX Balance {$250.00} XXXX XXXXXXXX XXXX Balance {$470.00} XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX Balance {$150.00} XXXX XXXX Balance {$1000.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Checking or savings account

Received a debit card for a newly opened checking account, Ive never opened this account. Contacted the bank to verify why I was receiving this and was transferred to the fraud department because the account overdrawn. The account was opened online with my personal information and wire deposits and withdrawals were in two other peoples names. 

Additionally received notification from XXXX XXXX XXXX XXXX XXXX informing me of a ransomeware attack on a medical laboratory where I use there services frequently. The letter states the attack accused my first and last name, address, accounts receivable balance, payment information, and social security number.
Product: Credit reporting or other personal consumer reports

I have raised disputes regarding identity theft inquiries XXXX  with Equifax. However, they persist in refusing to remove the inquiries, citing an " Invalid FTC report. '' Despite submitting a valid FTC report containing all required dates and inquiry names, along with additional identity verification documents, Equifax has not provided any explanation for deeming the report invalid. The presence of these identity theft inquiries on my report is hindering my ability to obtain credit, exacerbating the urgency of resolving this matter promptly. 

Identity theft inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX & XXXX account XXXX Policy started XX/XX/XXXX policy canceled XX/XX/XXXX Reported to Credit Bureau : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I wrote them a letter on XX/XX/XXXX to verify this alleged credit, I asked documentation and or attemps of veryfying this alleged credit with me before reporting to credit bureau. This company responded on XX/XX/XXXX and all they sent is a bill of {$350.00}. I signed no contract nor agreed for XXXX to start a policy on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally address significant discrepancies in the reporting of my account ( Account # : XXXX ) to the three major credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX It has come to my attention that your reporting practices are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 ( s ) ( 2 ), which mandates that furnishers of information maintain accurate reporting and respond appropriately to disputes. 
1. Inconsistent Reporting Across Bureaus : Upon reviewing my credit reports, I have noted the following discrepancies : Account Status : All three bureaus report my account as " Derogatory, '' yet the details surrounding this status vary significantly. For instance, while XXXX and XXXX indicate a " Charged off as bad debt, '' XXXX does not provide a similar comment, leading to confusion regarding the nature of the account 's status. 
High Credit Reporting : XXXX and XXXX report a high credit of {$5100.00}, while XXXX shows this as {$0.00}. This inconsistency raises serious concerns about the accuracy of the information being reported. 
Payment Status : All three bureaus indicate a " Collection/Chargeoff '' status, yet the payment history reflects different patterns, particularly with XXXX showing a history of " OK '' statuses for several months, which contradicts the derogatory status reported. 
2. Failure to Investigate Disputes : I have previously submitted disputes regarding these inaccuracies, and your failure to conduct a thorough investigation and rectify these discrepancies constitutes a violation of my rights under the FCRA. As a furnisher of information, you are legally obligated to ensure the accuracy of the data you report and to respond to disputes in a timely manner. 
3. Lack of Reasonable Procedures : It is evident that your organization has not implemented reasonable procedures to ensure the accuracy of the information reported to the credit bureaus. This lack of diligence not only affects my creditworthiness but also undermines the integrity of the credit reporting system. 
Demand for Immediate Action : I hereby demand that you take the following actions within 30 days of receiving this letter : Conduct a comprehensive investigation into the discrepancies noted above. 
Correct any inaccuracies in your reporting to XXXX, XXXX, and XXXX. 
Provide me with written confirmation of your findings and the actions taken to rectify these inaccuracies. 
Failure to address these issues promptly will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau and consider legal action to protect my rights.
Product: Debt collection

We had a medical debt with XXXX XXXX that was set up on a payment plan with our XXXX. At some point the, XXXX balance was too low for the auto payment to go through and without a phone call or any communication the balance was moved to a collection agency called Transworld Systems. Transworld systems inc. is aggressively contacting us about the collection which we believed was fraudulent because we knew this was on a payment plan. We called XXXX XXXX and was told about the missed payment and collection agency. We made a payment to the balance and restarted the payment plan with XXXX over a month ago. Since then, the Transworld collection agency is continuously contacting us to pay the initial amount. There is obvious confusion between XXXX XXXX and their Collections agency Transworld Systems Inc and I am not able to get clear answers about the balance, payments made, and payment plan but the collection notifications continue.
Product: Checking or savings account

A check for {$710.00} was cashed into bank account XXXX on XX/XX/23. The company gave me push back on receiving these funds. They have since then closed the account, because they claimed it went against their policies. I was told that the check for {$710.00} would be refunded back to the issuing bank of the check XXXX. I have contacted XXXX regarding the check and they have stated they did not get the check. I have attached their response to this. If you are unable to return the check to XXXX, I would like the check sent to my mailing address. Otherwise please send check back to XXXX so that I can be rid of this company and their confusing and misleading practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Bank : # XXXX and 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 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.
Product: Debt collection

Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Student loan

I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to TransUnion and asked to verify information I believed to be inaccurate on my credit file because 609 of the Fair credit Reporting Act says that before a credit bureau can place something on your credit file, they are required to physically verify sign documents, so I ask them to verify with prof of my original docs. But they just sent letter saying they verified.
Product: Debt collection

I asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I filed a police report ( # XXXX XXXX ) with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding a wire transfer in the amount of {$26000.00} for a purchase of a house through XXXX XXXX / Randolph Brooks Federal Credit Union. The wire transfer appears to have gone to a fraudulent account. XXXX XXXX instructed me to contact the XXXX Fraud Department. 

Eventually I was able to only recoup approximately {$1500.00} after my wife, who has since passed away, was the looking into the lost funds. I was able to locate the original XXXX  report ( attached ).
Product: Debt collection

I received a call from this company in late XXXX or early XXXX. I asked them to send me proof of this debt because I was in dispute of the amount they are attempting to collect. Per the rep Im being charged for equipment that has not been returned when I indeed sent the equipment back over 3 years ago. Yesterday on XXXX  I received an alert from the credit bureau that this new debt has been added when I disputed the amount from with the first contact from this company. I have received nothing from this company besides an initial phone call. I called them on XXXX  and spoke to a rep and she acknowledge that there was no verification sent out and she also informed me that there company is not responsible for credit report reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate incomplete information to my Credit Report. When I informed them they hang up and give the run around. 
I have also contacted the furnisher and opt out of data they are reporting to these agencies. 
There should not be any transactional history reporting on my consumer report. 
I have never been late paying this account. 
Equifax has arleady been notified and refused to delete.