23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SVCS I XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> NOTICE OF DISPUTE TO : CREDIT COLLECTION SVCS I, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt purdusnt to 15 USC 1682g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THE ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME. A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE XXXX-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this is disputed pursuant to the Fair Debt Collection Practices Act. you are requiredto cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX AND XXXX. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC - 6802. I hereby inform that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Biley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with Section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide the Aggravated ValueOf Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

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

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for GM Financial and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : GM Financial and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, GM Financial, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from GM Financial to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I noticed that my credit score with XXXX dropped by 76 points over night! I contend that this is not only arbitrary, but also credit discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with Equifax. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you.ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, ACCT CORP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}
Product: Debt collection

An account is listed on my Experian Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Experian has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Experian multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge that this case wa s Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account.I also called Experian on today about this matter and the Representative that I spoke with stated that they do n't ask for documentation to verify that someone owe a debt. They just send the information to the collection agency and they selected if they verified it or not. Which is a violation because under the FCRA to have properly verified the accuracy of an account listed on my credit report.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I don't understand why they're there. I reviewed my credit report like I normally do, but this time, there were discrepancies that appeared out of the blue. I even refreshed my browser, hoping it was a glitch, but the inaccuracies remained. Because of this issue, I'm requesting a detailed review of the documents I've provided so I can avoid this stress in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQURIES ON MY CREDIT REPORT XXXX XXXX XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and it raises serious concerns about consumers safety
Product: Checking or savings account

This is the worst bank ever. I have been with Bank Of America for over 13 years. And on XX/XX/XXXX they closed my checking account for no reason without letting me know. It was on the weekend so i have to wait until XX/XX/XXXX and called them to ask what happened? They told me they have the right to close my account and will send me the check for the amount i have left in the account. I asked when? They said XX/XX/XXXX, and i can get it 10 business after XX/XX/XXXX which is around XX/XX/XXXX. I asked them why? They said because i have a dispute claim with BOA and they have to wait for it completed. I said but thats dispute claim is from Credit Card, not Debit card and nothing to relate with checking account. They said it doesnt matter, its still related because its the same BOA. I said ok, i will wait. REMEMBER ALL THE PHONE CALL HAVE RECORDED. So on XX/XX/XXXX, my dispute claim is completed and i called them again to ask if they can send the check sooner. They told me they already sent the check on XX/XX/XXXX. And I NEVER RECEIVED IT. I asked why last time they told me like that, they said they dont know who said that but the check was mail on XX/XX/XXXX. If i dont receive it, i have to wait until XX/XX/XXXX for them to send another check. THIS IS UNACCEPTABLE. BECAUSE THEY CAN JUST VOID THE CHECK and send me the new one because i didnt cash the check. And what if someone received it by accident they may cash it out. They dont even do anything for me, At least have to void the check for safety and send me the new one. Because Im sure they can track if the check cash it out or not. Instead of told me to wait 4 months. THE AGENT TALKED TO ME SO RUDE AND OFF THE PHONE WHEN Im still speaking. Now i dont have money to pay for my bill and Bank of America is holding my money until XX/XX/XXXX. All i have received is only the last bank statement of my account. AGAIN, I NEVER RECEIVED THE CHECK.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I the consumer was notified by Transunion that XXXX  XXXX  Finance pulled my credit report from Transunion. I had no knowledge that my personal identifying information was provided to XXXX  XXXX  Finance and I did not initiate or consent for an application to be submitted to this bank. I contacted XXXX  XXXX  Finance only to be ignored and disregarded regarding this matter. I then received an adverse action letter On XX/XX/2024 from bank denying the application. This is unauthorized use as I did not receive any benefit from this.
Product: Mortgage

We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded "  No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a XXXX XXXX.
Product: Debt collection

I am submitting this complaint regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, National Credit Systems , Inc., and XXXX XXXX Landing Apartments. Specifically, these entities have engaged in practices that contravene 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of any debt. 

Account Details : Creditor : XXXX XXXXXXXX XXXX XXXX Balance Reported : {$980.00} originality ( as of XX/XX/year>XXXX  ) Collection Agency : National Credit Systems , Inc . 
Verification Entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Summary of the Issue : The debt referenced above has been verified multiple times since XX/XX/year>, as having a balance of {$980.00}. then lowered to {$250.00} However, upon reviewing the documents, I discovered clear evidence of falsification and forgery. Specifically : Falsified Move-Out Statement : The statement provided was altered to include the note, " only charging for cleaning and carpet {$250.00}, '' along with " Balance {$250.00}. '' Critical original informationsuch as Chg/Rec XXXX and Balance $ XXXXwas crossed out. 
Forged Apartment Rental Contract : The purported contract does not bear the authentic signatures of myself or my co-applicant, nor does it include the signatures of the management company or its representative. This is not the original contract we signed, and the discrepancies render the document invalid. 
I sent a notarized letter ( attached ) via certified mail disputing these inaccuracies and providing a detailed breakdown of the discrepancies. Despite the clear evidence presented, the companies have failed to respond or provide legitimate documentation to refute my claims. 

Violations : The actions of these entities constitute violations of the following FDCPA provisions : 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations in the collection of any debt, including the submission of falsified or altered documents. 
15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes and correct inaccurate information, which these entities have failed to uphold.

Resolution Sought : I request the following remedies : A thorough investigation into the actions of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, National Credit Systems , Inc., and XXXX XXXX Landing Apartments regarding their use of falsified documents in this debt collection effort. 
Immediate correction of inaccuracies reported to the credit bureaus and removal of the associated tradeline from my credit reports. 
Confirmation that all future collection efforts cease unless legitimate, original, and unaltered documentation is provided. 
Any other appropriate penalties or remedies for the violations identified. 
Attached to this complaint are : A copy of my detailed dispute letter. 
Certified mail tracking confirmations. 
Copies of the falsified documents provided by the entities in question. 
I trust the CFPB will promptly address these serious violations of federal law.
Product: Debt collection

I paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all the incorrect information on my credit report with transunion. please review an delete all the following items to clear my credit report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed inaccurate personal information such as : aliases variations of my name misspelled and inaccurate or old addresses still on my credit report please remove all other variations or my name or address that dont match my information on my California drivers license thank you
Product: Credit card or prepaid card

I want my name taken off of a joint account with Wells Fargo. The account is in my ex husbands name. I have been divorced from him for over 10 years. It was in my divorce papers that he takes responsibility for the card. He was supposed to have me removed but never did. Wells Fargo refuses to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to the credit bureaus and creditors to validate negative information on my credit report. I have the proof. All collections on my account need to be removed ASAP. I was a victim of fraud and there are several unverified and unverifiable accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.
Product: Debt collection

I am filing a formal complaint regarding a debt collection issue involving CREDENCE RESOURCE MANAGE that I believe violates the Fair Debt Collection Practices Act ( FDCPA ) or other applicable regulations. Below are the details of my complaint The agency has reported this debt inaccurately to credit bureaus without proper verification.
Product: Debt collection

I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. 

In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. 

Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. 

ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. 

Internet message boards show many consumers with these same complaints against XXXX/ECMC. 

The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. 

ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. 

The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. 

I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! 

I have hundreds of pages of documentation/correspondence to verify the above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies used my information without my consent, I did not give any of these companies permission to run my credit report.
Product: Debt collection

Suggested the debt has changed hands and is with a collection agency, hence, I never received a contract, signed by anyone agreeing to repay the collection agency. On any of the charge off accounts, I never received a 1099 since the debt has been charged off/written off, and I no longer owe the debt, therefore any collections from a 3rd party is not valid and I want this removed from my credit report.
Product: Mortgage

I applied for a Forbearance under the Care Act & was granted 5 Months at the time of applying my Monthly payment was {$2000.00} & after the end of the Forbearance, I requested an extension & was denied by my Servicer, Which is a blatant violation of the Care Act, Claiming that an extension is not allowed, But the Federal Government made it obvious that an extension of the Forbearance was allowed, They insisted on giving me a Modification in the sum of {$2700.00}, The modification amount would make it unaffordable for me. I kept insisting on the Forbearance extension which I was entitled to as per the U.S treasury Dept under the Cares Act as passed by Congress, The constant threat when I called to let them know I will not accept the Illegal modification amount was unbearable for me. They then sent me yet another Modification agreement stating that my new payment would be {$4600.00} for 3 months I refused to accept the increased amount, I informed them that under the Cares Act the amount I owe per the Forbearance must be added to the back of the Loan, they are refusing to accept the directives of the Federal Government & has insisted that I must accept their Modification in spite of the fact its without merits & violate the Federal Regulations under the Care Act, Which allows me to have the amount added to the Back of the Loan & then I would continue to pay my original Mortgage payment prior to accepting the Forbearance, They are not aware of the details of the Care Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.