23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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

On Wednesday, XX/XX/XXXX, I received a scam call from a few people who claimed they were calling from the electric company. They said I had missed the last two payments, and so they were going to shut off my electricity unless I paid a deposit, so they could investigate whether I had paid or not. I used Zelle to send they payments they required but I was able to identify this was a scam during the call. I received an email from my bank inquiring whether I was sure I knew this person and I clicked on the option saying no. I immediately called Zelle, as well as my bank, asking them to reverse the transactions while they were still pending but both parties refused. I have reported this incident to the NYPD, the FBI, and the FTC. I have the report numbers of all these complaints. I need help asking my bank and Zelle to reverse this transactions, since they rely on the fact that I paid using a third party, but I informed of the incident right away and both companies refused to take any action.
Product: Mortgage

Wells Fargo foreclose on my home on XXXX XXXX, 2016 without any notification, notice and/or warning. I was not allowed to try to save the home, nor was I notified by regular mail or certified mail. I have been trying to contact the lender and although I have been able to speak to someone, they are being unreasonable. 
I am desperate for someone to assist me with this problem. My lender never assisted with any foreclosure postponement, nor did they do what the government says that a lender should do to provide foreclosure alternatives to me and my family. What they did do was bully me and pressure me to move out of the home.
Product: Debt collection

This information should be appended to the closed CFPB complaint XXXX. 

On XX/XX/year>, American Management Services received an updated address on where to send verification of any and all debts in their office. The only thing that has been received is a debt validation letter claiming a balance owed to XXXX XXXX. There is no balance owed to XXXX XXXX. 

On XX/XX/year>, American Management Services was requested to provide verification of any and all debts to the email XXXX. They claim that they have provided the verification of any and all alleged debts in their office, but no documentation has been provided. 

This debt has not been proven to be owed and I have documentation from XXXX XXXX that prove there is no debt owed. I dont know how this balance they have in their office has been accumulated and they have not provided any proof but have damaged my character and reputation by using unfair, deceptive an abusive practices which has resulted in me not being able to obtain credit. In addition to defamation of character, they have harassed me for a balance that is not owed which they on several occasions have been advised of. In their own words, they have placed telephone calls without meaningful disclosure and caused my telephone to ring with the intent to annoy, abuse or harass. These actions are blatant violations of the Fair Debt Collection Practices Act. 

I am requesting, through this CFPB portal, that any and all documentation regarding this alleged debt be uploaded so that I may review it and provide documentation disputing any and all alleged balances owed to XXXX XXXX and American Management Services , Inc .
Product: Debt collection

discrepanciesI 've noticed an collection account on my XXXX report that I was never notified of. I was XXXX and was XXXX in XX/XX/2012. I recently seen this item on my credit report and disputed it as the debt was unknown to me the time. I received paperwork verifying the debt. The information include in the paperwork is inaccurate as well as never being notified of the debt. I have copies of XXXX and can also point out the discrepancies within the documentation sent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX there was inquiries on my credit report from XXXX XXXX AMERICREDIT, XXXX, XXXX XXXX XXXX XXXX without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already had problems with Transunion and XXXX updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.
Product: Payday loan, title loan, or personal loan

Avant contacted my references and asked my whereabouts because i didnt pay my loan
Product: Credit card or prepaid card

ON XX/XX/2018 I FOUND A CHARGE AFTER GOING THRU SOME PAPERS ON MY RBS FORMALLY CITIZENS ONE CARD THAT I DID NOT APPROVE I CONTACTED THE COMPANY THAT SAID I HAD TO SEND THEM A COPY OF THE STATEMENT, AND A LETTER EXPLAINING THAT I DID NOT DO THE CHARGE, AND I WOULD GET THE CREDIT IN 1 BILLING CYCLE. AFTER WAITING AND WAITING THEY SENT ME A LETTER SAYING THAT I WOULD NOT BE GETTING THE CREDIT FOR {$870.00}. I AM NOT OK WITH THIS I DID NOT DO THIS CHARGE AND DO NOT THINK I SHOULD BE HELD RESPONSABLE.
Product: Credit reporting or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX XXXX  permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.
Product: Debt collection

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name ally financial Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I FOUND A BK REPORTING ON MY CREDIT REPORTS AND I REACHED OUT TO THEM ( XXXX, XXXX, AND TRANSUNION ) WITH SUPPORTING DOCUMENTATION AND IT IS STILL BEING REPORTED!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt referenced in a notice I recently received. 

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state. 

Please suspend all collection activities until this debt is validated. These accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature. 

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX XXXX and TransUnion. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report.

Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX placed a collection on my Trans Union credit report in the amount of {$1500.00} in which I have no clue what it is for. I have never heard of this company nor have I ever been contacted by this company. I have researched them and have found that they have scammed many people. I have filed a dispute with TransUnion and I have also filed a complaint with the XXXX. I want the collection removed from my credit report immediately and I also want them to refrain from putting the collection back on my credit report in the future. 

TransUnion somehow verified XXXX & XXXX XXXX  collection as accurate which I know is not the case. I feel TransUnion did not do a fair an accurate investigation into this matter. If TransUnion did do an accurate and fair investigation into this matter they would have learned that the debt that they are saying belongs to me with XXXX & XXXX XXXX is way past the legal time in which they can report it on my credit report because legally a collector can not report a debt on your report when it is past the time allowable for reporting the debt under the Fair Credit Reporting Act ( FCRA ). The FCRA states that delinquent accounts can appear on your credit report for 7 to 7 and a half years from the date you defaulted on the original account. If a collection agency threatens to report a debt on your credit report beyond the legally permissible amount of time, you may have a claim under the FCRA for violating your rights.

I would like TransUnion to verify the date of the originally delinquency with XXXX & XXXX XXXX  from the original creditor. Just don't verify my name and address like they did in the original so called investigation. 

TransUnion did not do me justice by keeping an inaccurate collection on my report. I am asking that TransUnion permanently remove the inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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.

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 items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.
Product: Mortgage

Today I was informed by CitiMortgage which is my mortgage co. that once again I have been denied a loan modification. My acct # is XXXX. I reside at XXXX XXXX XXXX in XXXX, NJ XXXX. My initial application was in XXXX, the mortgage co. at that time lead me on for more than a year and a half with the hopes of an approval, there were numerous correspondences only for the big let down, now here come the foreclosure letters. threats from their lawyers, in and out of court to stop lockouts. CitiMortgage told me in order to get in good standards with them that I would have to give them at that time excessive amount of {$31000.00} plus. I reached out to a grp. called XXXX, who has been nothing but professional in every way. XXXX submitted a file with the mortgage co. on XXXX XXXX, XXXX and in that time alone CitiMortgage has tried to put the foreclosure in effect at least once each month. CitiMortgage says that I have been denied again due to no change in my income, which is not true in XXXX I became a Commissioner with the City of XXXX which comes with a stipend paid in quarters, although I have not received a raise in 9 yrs. I do not believe that the CitiMortgage is doing an actual review there are so many inconsistencies ... .I am in need of some help ... .this is a family home ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX has my debt listed on equifax report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to equifax. When thjs account was paid, the company had promised to remove but they haven't.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A STATE I HAVE THE RIGHTS TO PRIVATY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Midland LLC is still trying to collect on old debt. Account number XXXX now it 's Midland Credit MGMT. They keep selling to one of their company 's. I have filed with consumers and wrote you letters leave me alone.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Vehicle loan or lease

Transunion notified of fraudulent account. They refuse to respond or remove account as well as lender