23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I was a member of XXXXXXXX XXXX XXXX since XXXX at the time of signing up their was a one year agreement. In XXXX my debit card expired and I stopped paying XXXXXXXX with the belief that since I was no longer a member or in a contract after XXXX I would be fine. It's pretty standard now a days that once you stop paying for a service your account get 's closed. I never received a phone call, text or email from XXXX after the first month they tried to bill me. It wasn't till debt collection agency " First Credit Services '' sent me a letter that I owed XXXX {$200.00} in which I called them back to see how this occurred. They weren't willing to negotiate with me, despite no prior communication. I find it highly unfair, that not only is my credit score is affected after they put it on my report which at the time my credit score was XXXX which I worked very hard for. I have to pay for a service that I did not use nor thought was active. The lack of communication from XXXX is truly disappointing considering I was a really good customer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.The CFPB findings indicate that Zelle has not only neglected to protect customers but but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting or other personal consumer reports

These credit bureaus are still reporting these inaccuracies after disputing for over a year. These Banks allowed accounts to be opened in my name while I was XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( JCPenney Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to my request.
Product: Debt collection

On XX/XX/2023 at approximately XXXX XXXX I was contacted by phone by a XXXX XXXX who was representing a company called XXXX XXXX. This is a debt collector for Check and go from what he was stating. I do owe check and go {$500.00} from a loan I took 11 months ago. I told him repeatedly that I was at work and would not be able to look into my finances until the next day. He kept saying that I had to pay the money back today or I was going to be criminally charged for writing a bad check. I did argue with him and told him that nothing could be done today and that he was going to have to wait until tomorrow. He then said that he has already contacted my employer and that he knows how much I make and when I get paid. He could not verify who my employer was so I knew that was a lie. he then stated that he was going to mark my file as refused to pay and that charges were going to be filed on XX/XX/XXXX. I got him to agree to let me call him on the XXXX with a payment. he sent a letter by email saying that I have 30 days to comply. he did not include any name or way to identify him on this letter, its a generic letter. I will pay this debt just to get him off my back and because i honestly do owe it but his tactics i feel are uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion and XXXX XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against TransUnion and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

you have recently done a so call investigation into the items ive reported to be fraudulent on my credit report. only to come back and tell me that they are mine. these accounts are in fact not mine. ive never signed for these accounts sent documentation to anyone for use of these accounts and you cant show me anything different other then what the furnishers of these accounts have stated. you are violation my rights to have accurate reporting on my credit report and this is hurting my ability to advance in my lifre
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from TransUnion, XXXX, and XXXX. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
TransUnion reports a balance of {$810.00} and a high credit of {$810.00}. 
XXXX shows a high credit of {$0.00}, creating confusion about the accounts status. 
XXXX reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : XXXX does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports. 
Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information.

Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : TransUnion and XXXX indicate XXXX, while XXXX XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is beingvreported as late. This is inaccurate and there is only XXXX XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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

On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX in XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.
Product: Mortgage

I visiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Truist location to pay some bills. I have been in the location a total of 3 times. I was given a document by XXXX I believe to be forged by the employees at said Truist. The document stated that they were going to trespass me because of my behavior at the branch. I can no longer go into the branch to pay my bills. I believe I am being discriminated against due to my veterans and XXXX status. I have never been rude, threatened anyone, nor even said a cross word while in the location. I called and spoke with customer service over the phone and there were NO annotations in my account as to any negative remarks or mention of the letter in any of my accounts. I asked for both the regional manager 's number and the number of the individual who wrote the letter from corporate security and both of which I was refused. The individual who forged the document needs to be terminated and possibly prosecuted for forgery of bank documents. I would caution anyone who is contemplating banking here against it if the employees at this branch are willing to type letters stating they are from corporate security yet corporate has no documentation of the situation.
Product: Checking or savings account

Hello, my name is XXXX XXXX I had came across the article about chime in was reading on it. I have been trying to get help for the longest. Chimes closed my account with XXXX in my checking. I reached out to them to try to get my money back they said i was ineligible for a refuns because I was use my account like a business account which i had no knowledge that you coild use your account. Thats was my refund money they took from me. Its been a XXXX year & half. O have been trying to get help simce last year. I just do not understand with chime. Then i see they do that to everyone!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : REF # XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Mortgage

LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.
Product: Student loan

I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.
Product: Credit card

I've always made sure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Product: Mortgage

I am sorry to trouble you with my problems. I am a very strong woman, but I have run across a scenario that I can not manage on my own. CitiMortgage/CitiBank is trying to sell my house through foreclosure, but is n't taking the time to try to help me save my home. The set of circumstances that led me to where I am today were beyond my control and no one at CitiMortgage has been willing to take the time to sort out this problem. 

In XXXX I fell into hard times ... I was diagnosed with XXXX. During this time, Citi Mortgage offered me a loan modification. I was unable to work regularly, but I managed to keep up on the mortgage during my treatments. Inevitably, I could n't continue to keep pace and missed my first mortgage payment in XXXX and started to fall further and further behind. 

This is where it really got ugly. Once I was in XXXX, I sought help but the lender told me I had exhausted all my loan mod options and that the only choice I had was to be set up on a repayment plan. I had no other choice but to accept their terms, so I agreed to the 11 month repayment plan. They set me up with an automatic payment through my bank card. They withdrew XXXX payments and then stopped -- -- Why???? This opened a can of worms. When I found out ( after XXXX missed payments ), I called CitiMortgage and was told I now had to pay " all or nothing ''!!!!! When I was given no options to solve the issue I had no choice but to focus on my situation and stop devoting energy to this. 

Once I was healthy enough to back to work on a regular basis in XXXX of XXXX, I called CitiMortgage again and was given a new representative to deal with. She asked how much I could pay. I told her I could pay {$1000.00} right then and then another {$1000.00} in XXXX. I also indicated I would pay in XXXX the rest to catch up since I 'd be getting tax return money. The XXXX payments were taken, but when I called in XXXX XXXX as planned, this rep said my file was now with the foreclosure attorney -- -she checked with that office and came back and told me there was a sale date and that I needed much more than the {$4000.00} I was going to pay to catch up!!! That 's not right!!! 

My house is now in foreclosure with a sale date at the end of this month!! I have XXXX kids, XXXX with XXXX. This is our home and I feel CitiMortgage has been dishonest and unfair with me. They are trying to steal my home and kick my family out on the streets. I 'm not asking for a handout. I have recovered from the hardships that started this mess, but I need to get some cooperation ( and decency!! ) from this lender. I would appreciate any assistance that leads to saving our home and keeping my family where it belongs. Thank you.
Product: Mortgage

Caliber Home loans was my mortgage servicer until XX/XX/XXXX when it was transferred to XXXX XXXX I contacted Caliber Home Loans for my mortgage interest statement - XXXX for XX/XX/XXXX to XX/XX/XXXX. They can not find any of my information and gave me an email to request the information. I then sent an email to XXXX { the service department they gave to me }. I did not receive any information from them, nor did I hear back from the email I sent. The 1098 is required to be given to consumers no later than XX/XX/XXXX. I have not received anything, and no one has been able to even give me an amount of the interest I paid. I need to file my taxes. I need that information as soon as possible. Thank you, in advance, for your help.
Product: Consumer Loan

I have been making monthly payments since XXXX/XXXX/2015 to a debt collector for a debt I incurred on a Credit Card. I misunderstood that at the end of each year I had to contact them to arraign payments for the next year. I noticed that they were not drafting payments any longer and had not contacted me and I received in the mail a letter from a Attorney and a copy of a Case Inquiry the collector file in Court so I contacted the original Debtor ( XXXX ), they in turn referred me to the debt collector. I spoke with the collector and ask why they had not called me. They said they tried on many occasions and got no reply, The number they had on file was NOT my number and i ask where they got that number, their response was " I do n't know ''. Now because they have filed the Case Inquiry they are unwilling to resolve this in a reasonably manner. My only option from here is to file bankruptcy.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear PORTFOLIO RECOV ASSOC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to Equifax on numerous occasions and each and every time they have told me that I have to send in a copy of my drivers license, passport, SSN etc to validate my identity and I finally got sick of no response and I sent both a fax AND a certified mail envelope containing all of the requested documents along with a letter that explains why I want the security lock lifted from my credit report. I am sick and tired of waiting for Equifax to validate everything. Attached you will find all of my evidence including copies of the certified mail label, the certified mail tracking history, fax confirmation results and a copy of the letter that I sent with the enclosed evidence of my identity