23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX   the amount of {$560.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXX A by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX A I decided to contact again XXXX XXXX A by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
Product: Mortgage

MISHANDELED PAPER WORKOur mortgage servicer is Ocwen. Ocwen has ruined our credit by submitting negative reports to the credit bureau. We were on a trial period with lower payments prior to finalizing a modification. During the trial period we met all of the requirements. We signed the modification agreement in XX/XX/XXXX and have been current thereafter, somehow Ocwen reported to the credit bureau we were XXXX days late. This negative impact has a ripple down impact, much of our cards have been cancelled or reduced due to the erroneous information. We have contacted Ocwen several times only to hear it 's been escalated and we are waiting for the Treasury Department to make the corrections. We were also advised to write letters which they ( OCWEN ) have to answer. Some representatives have called in a threatening manner stating we need payment now or your house will go into foreclosure, and we always say we are on a modification plan and we are current, your records are n't correct. We are frustrated with the level of service received and are n't sure what federal programs monitor the servicing companies for FHA loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX builder card you can only use thr amount of money you put on card XXXX IS REPORTIMG A OVER THE SPENDING LIMIT AMOINT ON MY CREDIT REPORT WHICH IS IMPOSSIBLE THIS INCORRECT IMFO IS MAKOMG IT HARDBTO OBTAIN CREDIT AND I REQUEST IT TO BE REMOVRD ASAP
Product: Debt collection

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I sent letter to credit Bureau XXXX, XXXX XXXX, And Equifax By LAW My name is XXXX XXXX XXXX on there Report states XXXX XXXX XXXX That is not my Legal Name they refuse to remove from my report also XXXX XXXX XXXX XXXX XXXX refuses by law to remove the false information on my report They have no proof these accounts belong to me and two accounts that are vehicles that I do not pocess please assist me in this matter
Product: Debt collection

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Equifax multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under XXXX XXXX XXXX  and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau XXXX I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ). 

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Attached is a copy of my Lease and my Social Security Card. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Student loan

My loan went into default, I received a letter from XXXX XXXX XXXX in XX/XX/XXXX I believe. I was n't sure why they had my loan, so I called and they explained they had my loan. I then asked if they would send out another letter. I received the letter XX/XX/XXXX. 
I then called to make arrangements. The women on the phone hung up on me when stated I needed to go to XXXX and get a card so that she can take the money from ( because my bank accounts are being garnished ) and I will call her back. I felt this was very rude and was n't sure if this was a legitimate company. In XXXX I sent Navient through fax my financial information and a letter stating I wanted to make arrangements. I heard no word. I then received a letter from Pioneer. I called them and mention I do n't know what is going on because I have letters from XXXX different companies. I called pioneer again today at first I did n't want to submit the information they were asking but I realized I called them and not them call me asking for disclosure. I then spoke with XXXX XXXX who transferred me to XXXX XXXX. When we got to the part about my phone number I stated I was not taking my phone number off the do not call list because I will sue if the call my phone to much. I also stated they could contact me through email or mail. She stated she could not make arrangements with me if I did not release my phone number. I am writing to you because I believe it is my right to have a payment arrangement without enduring the harassing phone calls. they are blocking me from paying my bill. Please assist me if you are able. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed unfamiliar items on my credit report, suggesting potential identity theft, as I did not authorize these accounts. Ive raised this issue before and urgently request their removal, as they misrepresent my credit history and are causing me significant stress. If this cant be resolved promptly, Im prepared to take legal action to protect my rights. These inaccuracies are hindering my financial goals, like purchasing a home and supporting my family. I hope we can address this issue soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a settlement offer from XXXX XXXX XXXX, on behalf of Ascendium offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the XXXX XXXX XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a XXXX XXXX XXXX XXXX from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called XXXX but they were rude and hung up on me several times as well as cussing and being very rude. I still have it reporting on my Equifax credit report and I will like it deleted.
Product: Credit card or prepaid card

Store Name : XXXX Date of purchased : XX/XX/XXXX Total charges : {$3800.00} Promotional Interest Rate : XXXX XXXX for XXXX year ( expired on XX/XX/XXXX ) Annual Percentage Rate : XXXX XXXX Total balance after promotional offer : {$730.00} Current balance now : {$1700.00} Interest charged : {$990.00} Deferred interest charges : {$950.00} THIS IS TOO MUCH CHARGES! They did not disclose how they arrived this overcharged fees. 

Thank you
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, has violated my rights. 

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

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 for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update the following inaccurate information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, I was advised that because of a freeze on my credit data reporting by Experian, a prospective landlord and XXXX XXXX XXXX XXXX in XXXX, CA could not check my credit. I had placed freezes on all 3 credit reporting agencies after the XXXX data breaches a couple of years ago. I have my Freeze PINs so I logged onto Experian and followed their directions to remove the freeze, but I have spent several hours at it and keep getting a message that they are unable to do it. I tried calling the telephone number at which I am supposed to be able to remove the freeze, but the robot voice only offers the option to place a freeze, but not to remove one. I've been at this for hours and have been frustrated at every attempt. I can't reach a human being at Experian of get their processes supposedly in place for this to function. I can't even get into the XXXX website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - Personal information on Experian is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca XXXX
Product: Debt collection

The wrote me claiming that I owe money to XXXX, a rental car agency. XXXX has never contacted me about money owed. I asked them what the debt was supposedly for and they're unable to provide that information. Instead of responding to my request, I found later that they published the collection account to my credit report.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 ant
edates 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$920.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.
Product: Money transfer, virtual currency, or money service

I sent money using the Western Union mobile app on XX/XX/XXXX for {$460.00} and the tracking number was XXXX. I was assured by the legal disclaimer provided post transfer that the money would reach the recipients account on XX/XX/XXXX. This however never occurred and then on XX/XX/XXXX I requested a cancellation of this transaction as was my right per Western Union policies and I was given notice that my funds would be redeposited into my account within 7 business days. That time came and went and I reached out to Western Union via phone to lodge an escalation and they alluded to this being routine and assigned me a case number XXXX and assured me theyd follow up within 48 hours. Well as you can expect, 48 hours came and went and no one contacted me so I reached out again and this time I had 3 customer service agents hang up the phone on me and by the time the 4th one picked up my call she said that one of the past agents had my case open and shell be unable to help me for 20 minutes. Firstly, I work at a bank and that policy is absurd. Its now been about 3 full weeks since cancellation and I still have NO information on my money. I believe western Union is floating my funds in an illegal attempt to profit off of the different via transfer pricing which is without my consent and illegal. I want my money back, yet now Im stuck with inept customer service agents working for a backwards company with no idea what the words customer service means. Once I receive whats owed to me I will never use Western Union again and I will be notifying my employer of this issue to prevent any future partnership or vendor relations. Also I will be submitting a copy of this letter to the XXXX XXXX  XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes in light of the recent CFPB lawsuit highlighting significant issues. Despite using Zelle more times than I can count and reporting discrepancies my bank and Zelle failed to investigate my claims adequately. They advised recovering lost funds was not possible and tracking these transactions was simply not feasible. The CFPB 's findings that Zelle is not able to protect their consumer but they also allow for repeat offenders to exploit the system. This leaves us consumers vulnerable to scams and fraud. The lack of accountability and transparency is unacceptable and raises considerable concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times over the course of 6 to 9 months, via phone, online and mail to have 5 erroneous accounts ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) removed from my credit report. I have disputed this information with Transunion as well as XXXX. The other credit reporting agencies removed these unverified accounts and Transunion has not. I have also requested TransUnion to supply written proof of these so call Debt/Collection records and they have not provided the information requested. Since they refuse to verify these unverified accounts its unfair to me to have these accounts on my report. A Debt should be validated from the source reporting the debt! The other credit bureau has removed these debts because they could not be verified these allege account. Its against my right under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.