23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NATIONAL CREDIT ADJUST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NATIONAL CREDIT ADJUST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX Date Opened XX/XX/XXXX Balance {$860.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$610.00} 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
Product: Mortgage

We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.
Product: Student loan

Towards the end of XXXX/beginning of XXXX, I was alerted of my XXXX  score taking a drastic hit through an XXXX alert. After investigation, it turns out American Education Services ( XXXX XXXX XXXX XXXX XXXX XXXX was failing to draft my autopay payments from the checking accounts setup. I continued to see emails regarding posted payments all the way through XXXX, and was never notified through mail ( I have paperless billing enabled ) or phone call ( the company has had my current phone number on file for some time ) that there was a problem with the autopay failing. The XXXX XXXX I was using had been experiencing a number of issues with their online banking system, and I ended up going away from them entirely due to issues linking accounts online, getting payments, etc. 

I called AES to determine what the best course of action was, and they were of surprisingly little assistance : I was treated as though I could not make my payments when I had a flawless payment history along with zero records on my credit report of missed/delinquent payments. When I inquired as to why I was never notified of the issue regarding failed payments, I was given a runaround answer and simply asked if I was able to currently make payments. I immediately brought the account current and asked them how to dispute a " late '' payment ( that I was never notified of missing ) being submitted to the credit bureaus. I was instructed to fill out a form and send it in via priority mail to the address provided, but I have received no answer in roughly XXXX weeks now. 

I would like to dispute the singular error of my student loan payments failing ( which have historically never been missed on any of my accounts ) and dispute the predatory practices of reporting failed payments to the credit bureaus without any notification to the borrower via phone call, email, etc., when AES has all of my current information on file. This is clearly a mistake via an automated payment system and not my fault. Furthermore, the constant postponing of federal student loan repayment by the federal government has made tracking which loans are due and which loans are on a forced pause extremely difficult to monitor for the borrower. I would like to have this incident forgiven under the pretense that AES will properly contact me in the future regarding issues with my account.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX*To whom it may concern : ** I am writing to dispute several reinserted items on my credit report. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), you are required to notify me within five ( 5 ) business days of reinserting a previously deleted item. I did not receive any such notification. The items in question were previously deleted as confirmed by your responses to my disputes. Please delete these items immediately or I will be forced to take legal action. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am also formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 

Below is a summary of the data I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. 

Please send your written response to my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXXXXXX
Product: Checking or savings account

Opened a XXXX XXXX checking account responding to a bonus offer for {$200.00} after receiving a qualified direct deposit. 
Terms state : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. 
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

My employer made a direct deposit of {$300.00} on XX/XX/XXXX and again on XX/XX/XXXX. Per the terms the bonus should have been paid within 60 days of XX/XX/XXXX which it has not been, as of XX/XX/XXXX. Bank has not responded to my secure message inquiring about bonus payment.
Product: Debt collection

Received a phone call last month from XXXX XXXX on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX, he called my home and spoke to a gentleman and before the phone call was over he called the man at my house a " bone head ''. The person at home called me and was very upset that this unknown agency called my home phone for me and was that rude. So I called XXXX back and he was very RUDE. He did n't want to talk about how he was rude to the person at my home all he would say was he was threatening to file a judgement against me for an old account that is 15 years old XXXX or older ). The threat of a judgement frightened me cause I want to move and do n't want any negative information on my credit report. He told me that I have good credit XXXX how could he access my credit report? XXXX. So I wanted to address the issue of him being rude when he called my home first off, that 's when XXXX went on to say well I see you do n't want to pay this bill so I will go forward with this judgement ( with a nasty attitude ). So I asked to speak to his supervisor because he was being so rude. So he put XXXX XXXX XXXX who claims to be a supervisor ) on the phone and XXXX said I have a {$1700.00} balance on a particular account that needs to be settled and that I can settle it today ( for {$800.00} ) and I said I do n't have that kind of money so he insisted on a payment which I paid {$100.00} on XXXX/XXXX/15 so he said I have until the end of the month to pay another {$700.00} to settle this account and I said I do n't know if I 'm going to have it so he said I will give you until XXXX XXXX to pay the {$700.00} if you do n't have it I will give you until the end of XXXX to pay a total of {$1000.00} to settle the account but by mid XXXX you have to make another {$350.00} payment so I did make that on XXXX/XXXX/15. So that left I had another {$550.00} to pay by the end of the month. Before that initial phone call I had never heard of XXXX nor had they ever sent me any letters for collection and they have never showed me proof of the account that they are collecting for. I called the creditor that I owe today to find out about that account and it 's not in their system and I 'm not surprised cause that was over 15 years ago. I called BBB and was advised to cancel the {$550.00} check ( which I did cancel it ) and investigate and request further information from XXXX about the account they are trying to collect from me. And the BBB referred me to FTC to file a complaint. Everytime I speak to XXXX he 's threatening me with a judgement if I do n't settle this account ASAP and he wont ' accept anything other than a settlement. I 'm a mother with XXXX kids and I do n't need to be threatened by an agency trying to collect on an account that 's 15 years old. They have collected from me {$450.00}. I called BBB and they have a " F '' rating with lots of complaints. Can you please direct me as to how to stop them from calling me and trying to collect on an account that 's 15 years old. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to a previous complaint. A debt collection company LVNV funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted XXXX XXXX to dispute the debt due to LVNV being unable to provide an itemized notice of debt. XXXX XXXX closed each dispute after LVNV said it was valid, still unable to produce any documentation with an itemized explanation of the debt. XXXX XXXX then directed me here to complete a complaint. This was also just closed after LVNV responded with a letter, but still no itemized listed of the debt. XXXX XXXX is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.
Product: Credit reporting, credit repair services, 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  Account # 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. The XXXX  has received 74 complaints in the last three years, with 44 closed in the past 12 months with XXXX and does not have permissible purpose, to disclose erroneous, inaccurate and completely false background information.
Product: Credit card or prepaid card

On XX/XX/2022 I went to an XXXX XXXX in XXXX to finance and audio system for my truck. Their financing partner is Brandsource by Citibank. The system was {$4100.00}. Immediately after getting my truck back I texted XXXX XXXX to state I wanted to return the system as the head unit they recommended was malfunctioning and had mutlipe issues. The store refused to allow me to return the merchandise and only offered to look at it in the shop. To this day the unit continuously malfunctions. Some things I've experienced are : audio muffled, audio blasting, absolutely no audio coming out, phone constantly dropping from wireless connectivity, screen freezing, and others. In order to fix whatever is happening I have to pull over, stop the engine, and then restart the engine. This has resulted in many situations where I'm on the highway and I just don't get to use the device I paid a lot for because I don't have time to pull over. It's a very disappointing situation being stuck with defective merchandise in my truck that I drive much more frequently than the average person, especially at the high ticket price I've had to continue to pay. I disputed charges with Brandsource and they denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by XXXX
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I received payment in the amount of {$140.00} for goods through Zelle to my XXXX XXXX mobile number. This was confirmed by a text message from Zelle directing me to a website to sign up to access the funds. I considered the transaction complete / successful. 

Subsequently, while attempting to sign up to access those funds, Zelle informs me my XXXX XXXX number is ineligible. 

Contacting both my bank XXXX XXXX ( who provide Zelle with my account ) and Zelle themselves, provide no path to resolution / access my funds. 

How can it be that, a payment can be sent to an ineligible number, a confirmation text message is sent to that same ineligible number, but signing up to receive those funds is impossible?!? If the number is ineligible, Zelle should have indicated that at the start of the transfer, not after it was seemingly completed and available!
Product: Debt collection

I continue to receive pre legal notifications from this company XXXX XXXX XXXX XXXX, XXXX. This is the second attempt to make a monthly payment settlement with them but they do not want to make a deal. I continue to receive this threatening letters used for intimidation.
Product: Credit reporting or other personal consumer reports

Hi Equifax, i just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the XXXX XXXX and people stole my identity to commit fraud. This fraud car loan was not authorized or not sign by me and shall delete from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate account with XXXX XXXX XXXX ( Account Number : XXXX and XXXX ) on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) Section 611, they were required to provide verification of the debt within 30 days ( by XX/XX/year> ). 

As of today, they have not responded, making this account unverifiable and inaccurate. Their failure to validate the debt means it should not be reported on my credit file. 

Despite their lack of response, the account remains on my credit reports with XXXX and TransUnion, which violates my consumer rights under federal law. 

I am requesting the immediate removal of this account from my credit reports and that XXXX XXXX XXXX provide written confirmation of its deletion.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.
Product: Student loan

I was once the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I willingly cosigned their parent plus loan to support their education. However, according to the signed agreement, my responsibility for their school loans ceased upon their graduation. Now that they have successfully completed their studies, I need assistance in removing any association with these loans from my credit report. How can I proceed with this?
Product: Credit card or prepaid card

In XX/XX/2022 I purchased a computer device for {$5300.00} using my Discover credit card. The computer arrived defective, so the seller promised to fix it. I sent it back to them to fix and then the seller claimed they never received the money from Discover. As a result I don't have the computer and Discover still charged me this amount plus a bunch of late fees. I have been disputing this with them since XXXX this year. Now they ruined my credit score and I can't buy a house. Please, help ASAP. I never had in the past, nor have any debt now, my credit score is supposed to be perfect. I have all the proof and documentation, please, let me know if you want to see it.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect they are illegitimate. I request a comprehensive investigation to swiftly eliminate them from my credit report.
Product: Mortgage

Retaliatory response as a result of complaint letter filed with CFPB in XXXX against XXXX for in accurate loan payment has resulted in loan servicing transfer to RoundPoint Mortgage. Never received a " Hello '' letter at the beginning of the month, XXXX XXXX XXXX  from RoundPoint. Received billing noticed on XX/XX/XXXX that payment was 2 payments outstanding despite electronic payment made before the XXXX and on time electronic payment to XXXX XXXX XXXX XXXX. I did call XXXX who referred me to RoundPoint. I just want to make sure my credit history has not be damaged as result of the loan transfer.