23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im having issues with XXXX  because they did not report my dispute correctly/timely for a charge I did not authorize. I was contacted last week by XXXX who advised the account is in dispute with MasterCard. I said a payment is about to be due and I wasnt trying to have collection calls over this one charge and finance charges. She confirmed I would not be receiving collection calls. 

I have received the following excessive calls from their collections department which is against the Fair Debt Collections Practices Act : XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX @ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  Text message from XXXX sent and received at XXXX XXXX today XX/XX/XXXX as well as a call at XXXX XXXX. 

The calls are harassing and the account is not even supposed to be showing delinquent.
Product: Debt collection

Jefferson capital was another debt thats over 7 years that they placed back after taking it off the creditor was XXXX saying the account was opened XX/XX/year>XXXX XXXX  is longer around and hasnt been so Im not sure why they would be put false information on my credit and think its okay
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$720.00} XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX  XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I am writing in response to the notice I received, dated XX/XX/2024, regarding my vehicle loan. This letter is a formal demand to immediately cease all repossession efforts and a request for debt verification under 15 U.S. Code 1692g. Additionally, I am notifying you of multiple violations of both federal and Maryland state law that render this contract unenforceable and demand that it be canceled.

Violations of Federal and State Law The notice provided to me is legally deficient and violates the following laws : XXXX. Failure to Properly Explain Default ( Violation of Maryland Commercial Law Article XXXX ( b ) and FDCPA 15 U.S. Code 1692e ( 10 ) ) : - The notice does not clearly explain the nature of the default, which misleads and confuses the borrower about their contractual obligations. 

XXXX. Failure to Provide Steps to Cure the Default ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692g ( a ) ( 1 ), 1692f ( 1 ) ) : - The notice fails to provide clear instructions on how to cure the default, including the total amount owed, a breakdown of the balance, and where payments should be sent. 

XXXX. Failure to Specify Repossession Conditions ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692e and 1692f ) : - The notice does not explicitly state that repossession will occur only if the default is not cured by the specified deadline. This omission misleads borrowers and creates unnecessary harm by leaving them unclear about how to avoid repossession. 

XXXX. Failure to Notify of Dispute and Validation Rights ( Violation of FDCPA 15 U.S. Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ) ) : - The notice does not inform me of my right to dispute the debt or request validation, which is required by law. 

XXXX. Violation of 15 U.S.C. 1692d ( Harassment or Abuse ) : - The tone and threatening language of repossession, without full clarity about my rights, constitutes harassment and may cause unnecessary distress. This is prohibited under 15 U.S.C. 1692d, which forbids debt collectors from engaging in abusive conduct. 

XXXX. Violation of 15 U.S.C. 1692b ( 5 ) ( Communication with Third Parties ) : - If the correspondence included visible markings, such as logos or language revealing the nature of the debt collection, it constitutes an unlawful disclosure under 15 U.S.C. 1692b ( 5 ), which prohibits communication with third parties about the debt.

Request for Debt Verification Under 15 U.S. Code 1692g, I am requesting the following : - Validation of the alleged debt, including a detailed breakdown of the total amount owed, original creditor information, and any supporting documentation. 
- A halt to all collection and repossession activities until proper debt verification is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Product: Checking or savings account

On XX/XX/24 I placed an order with XXXX XXXX and paid with my debit card Bank of America amount of XXXX Long story short the company had a large sale but website was not working properly. I contacted customer service via chat to inquire when it will work and was told to check later. I checked next day and still unable to place order. I contacted chat and asked if they can place order for me so I can take advantage of the sale. They confirmed my address and other info including what I wanted ordered and then asked me to click a link to pay. When I did that chat timed out but transaction went through so I thought the purchase was made. I received no confirmation email so I contacted chat for the second time this time I was told the confirmation email takes some time and to keep waiting. After several hours no email. I contacted chat the third time and asked to check on my order. At this point this is the third time someone has checked my name, order number and asked me to confirm my address. She said the order was not finalized and she needed to click XXXX more button which she did. After an all day endeavor I finally go this done. 

Turns out even after giving XXXX XXXX my address and then them confirming it XXXX  times they still sent the purchase to a wrong address which what my old address from my account with them. When I noticed this some days later I contacted chat and asked them to redo my order but they refused asking me to keep waiting to see if the order shows up even though I had post office delivery conformation to a wrong address in XXXX and I am in XXXX. Additionally I noticed they sent me wrong merchandise but thats besides the point. 

I went back to bank of america to dispute the transaction because the merchant was not willing to help. They took 2 months conducting an investigation and are now declining my claim. In the declination notice they sent me the only evidence the merchant has sent them is a positive delivery ( TO A WRONG ADDRESS CAUSED BY THEIR MISTAKE ) and their return policy. As mentioned before in the chat I was asked several times for my address and provided the correct XXXX yet their employees chose to send my purchase to address listed on account which was not updated. I don't see why this is my fault and so I never received this merchandise and actually placed a separate order again much later to replace missing items. I want the money back for order I did not receive since bank of america did not do proper investigation into merchant and is now denying my claim to stop payment and reverse transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I never had accounts like that and never opened. 
Remove this one from my credit report.
Product: Debt collection

I wanted to let you know that I just realized that some credit collector reported my inaccurate information on my profile. They want to collect the money I do not owe them at all which is very unfair and very bad for my credit score. Hence I want to dispute this inaccuracy on my profile.
Product: Credit reporting

incorrect addresses listed on credit report. My address is XXXX XXXX XXXX XXXX ny XXXX. And my Job is At the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 incorrect files on my credit report and Experian wants me to contact three different departments because they are different and talk to each other. I have already dealt with the Bankruptcy Department there and they are not helpful at all! These were all removed when I filed a complaint in the past but now they are back on my report. They need to off they are incorrect. 

1XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS NO ACCOUNT NUMBER ON MY FILE- I THINK THIS WAS A BUSINESS ACCOUNT AND IT WAS PAID WITH XXXX BALANCE WHEN THE BANKRUPTCY WAS FILED. IT HAD NOTHING TO DO WITH THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$31000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card PAYMENT HISTORY LEGEND Status Discharged through Bankruptcy XXXX XXXXXXXX. 
Status updated XX/XX/XXXX Highest balance {$62000.00} Monthly payment 2. XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS THIS WAS MY FATHERS ACCOUNT UNDER XXXX XXXX AND IT WAS PAID WITH INSURANCE AFTER HIS DEATH SOME MIXUP WITH THE INSURANCE COMPANY THAT IT TOOK THEM YEARS TO PAY IT. THERE WAS NO DEBT WHEN THE BANKRUPCY WAS DONE! IT WAS ALREADY PAID FOR MONTHS IF NOT MORE THAN A YEAR BEFORE SO IT COULD NOT HAVE BEEN INCLUDED WITH THE BANKRUPCY. LAST PAYMENT XXXX TWO YEARS BEFORE THE BANKRUPTCY Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$84000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Home Equity PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance {$77000.00} Monthly payment - Last payment date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXXXXXX XXXX XXXX Balanced : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I send a {$3000.00} to a friend in XXXX, XXXX through my saving of Wells Fargo to his account of XXXX XXXX  XXXX XXXX, my bank asked me questions about the receivers personal thing and I told them to stop sending money and put it back to my account and they ask me twice do you want not to send money and I answer both yes, my branch called me to answer some personal questions of my friend and told them I want my money back but the bank said they already send the money, my friend called me and said the money didnt even reach his bank, yesterday I called the bank and they said someone in Wells Fargo is holding the money for some reason that they didnt tell me. I want know where is my money
Product: Credit card or prepaid card

I have XXXX XXXX XXXX with Bank Of AMerica. 
They just reduced my credit limit in all XXXX without any explanation. 
My XXXX XXXX is affected by that. 
The reduction was big, like to less than 10 % of my old limit. 
I tried to call they just said I need to wait the letter by mail in 10 days ... 

Im really disappointed with this Bank, show no respect to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a mortgage with a company called XXXX mortgage. My first payment was due on XXXX XXXX .I paid it on XX/XX/2017. 
I made every payment on time and even send XXXX payments per month for about 6 months. The company changed names to XXXX, then XXXX XXXX, then XXXX. They reported to the credit Agencies that I was late numerous times. XXXX fixed this and so did XXXX. Experian also said my first payment was due on XX/XX/XXXX. I gave the Experian every bank statement that showed I was never late and also the copy of the mortgage that says it was due XX/XX/2017. Experian said the mortgage company wouldn't accept this. I do not understand how this can continue. I have since gotten a Heloc from a credit union that paid off the balance of the mortgage. Experian still shows it as unpaid. I have been dealing with this for 5 years and need help with this issue. Please help me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Acct * XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of a lawsuit showing that my motion for summary judgment against Plaintiff XXXX XXXX was granted. The court agreed that Plaintiff sues the wrong XXXX XXXX and/or the wrong person as my account was not the one for the basis of the lawsuit and the information in my credit report is wrong. It should have been removed. I have notified each credit reporting agency multiple times yet XXXX XXXX   continues to report incorrect and/or inaccurate information concerning a purported charged off debt that isnt mine. They even hired a XXXX law firm to sue me and their case was dismissed after I proved to the court the account wasnt mine. Please order or direct them to remove this error from each of my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion Dear to whom this may concern, I am writing to formally dispute the inaccurate reporting of the XXXX account on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. This account has been incorrectly reported and must be removed immediately. 

Disputed Inaccuracies : 1. Failure to Provide Verification Despite my repeated requests, neither XXXX nor the credit bureaus have provided me with proper documentation proving the accuracy and ownership of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records and documentation used to verify the debt. Since no legally sufficient proof has been provided, the account must be deleted.

2. Inconsistent and Incorrect Payment History The reported payment history contains multiple inaccuracies : The charge-off was reported inconsistently over several months, failing to follow the standard 30-60-90-day delinquency process.

The account status contradicts itself by showing past due balances despite being marked as charged off.

The reporting dates are inconsistent and unreliable, violating FCRA 1681s-2 ( b ).

3. Violation of FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information This account is being reported as an outstanding balance despite being charged off. This is misleading and a direct violation of the FCRA.

Since the information reported is incomplete and unverifiable, it must be corrected or deleted as per FCRA 1681i ( a ) ( 5 ) ( A ).

Demand for Immediate Resolution :. Delete and permanently block the XXXX account from my credit report. 
Provide me with a written statement confirming the deletion within 10 days of receiving this letter. 
Cease further reporting of this inaccurate information to any credit bureau. 

Failure to comply with this request will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. I am fully prepared to seek legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as my final request for resolution before I proceed with legal action. Please investigate this matter immediately and send me written confirmation of your compliance within the legally required timeframe. 

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX   XXXX Reported : XX/XX/XXXX XXXX XXXX VISA Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from  appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Mortgage

In XX/XX/2020 hurricane Laura hit our home and damaged quite a bit of the outside. Our insurance company took care of us, but our mortgage company Penny Mac has continuously withheld money our money from the insurance company for over 8 months. We have repeatedly called and sent them every document they asked so they would release our funds we've already spent out of pocket to repair our house. Of the ~ {$8000.00} depreciation check sent to us by the insurance company, Penny Mac refused to release the total amount of what insurance sent us and what they agreed to release, ~ {$2600.00}, has been repeatedly denied due to constantly changing paperwork requirements.