23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$3900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX XXXX XXXXXXXXXXXX. 
To Whom it may concern, Our loan is owned by XXXX, Until XXXX of last year we were being serviced by XXXX, do to circumstances beyond our control, we have had a few rough years starting with my health, in 2010 I had to have XXXX XXXX, ending up with me having to apply for XXXX. My husbands company in which he has worked for over XXXX years, was sold and under reconstruction he lost income there, my parents both died in XXXX months of each other and there was no insurance, we had to help pay funeral cost, these circumstances made it difficult for us to maintain a mortgage payment of XXXX. Last XXXX XXXX offered us a modification trial which brought our payment down to XXXX we have had no problem making this payment. and made XXXX in a row. After we made our XXXX payment to XXXX, we were switched to .Select Portfolio, we have had such a difficult time dealing with this company never get to speak to the same person XXXX, they assigned us an account person an til this date never spoke with .or if you leave a message, do n't return any calls. So they sent us a letter from XXXX saying they were n't going to honor our trial, a letter which we never received. I called XXXX and they stated that the offer was not declined and XXXX should be finalizing the agreement. 
I have a letter stating if we make XXXX payments of XXXX we would be permanently have that payment, XXXX even sent us a XXXX write off and XXXX company did n't honor that either. Why would XXXX send us a wrote off if they were n't going to honor the trial. XXXX told us we had to apply for your in house modification, in which we did and it has been very difficult, I have faxed it at least XXXX different times and even register mailed it, each and every time, I was told something was missing, even when I sent the registered letter, someone told me they did n't receive it, and I had the computer in front of me and I had to say someone signed for it, ( That 's funny I have proof that someone in your company signed for it ), I was put on hold and then told yeah we got it page XXXX is missing. When we finally received paper work from them instead of offering us a modification, their expecting us to pay 3000.00 a month, to catch up back payments not honoring the XXXX straight payments we made, their trying to say were XXXX behind if you subtract the payments we made it would n't be that much, along with the paper work was an application for short sale, they even had our home apprised which gave rental value of the house instead of market value, also on the paper work our income is n't correct, they have us making more then we actually make, I feel instead of helping us maintain our home, XXXX is trying to either foreclosed on us, or do a short sale it, do n't want to help us at all. 


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Select Portfolio Servicing , Inc .
Product: Student loan

Sent certified letter on XX/XX/XXXX to request verification of account. Letter was received by XXXX XXXX on XX/XX/XXXX. There response was by email/online XX/XX/XXXX to ask for further detail of proof for me to verify. XXXX has not provided me the original promissory note nor signatures.
Product: Mortgage

I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line XXXX.
Product: Credit reporting or other personal consumer reports

uPON ME REVIEWING MY CREDIT REPORT I DISCVORED CREDIT CARD ACCOUNTS YHAY ARE APPEARING ON MY CREDIT REPORTS
Product: Debt collection

I am filing this complaint to dispute responsibility for several loans that were fraudulently opened under my Affirm account. Despite my efforts to provide supporting evidence and clarify the situation, Affirm has denied my dispute and continues to hold me liable for the debt. 
The unauthorized purchase was made on XX/XX/XXXX, but I did not become aware of it until XX/XX/XXXX, when I noticed the loan and immediately contacted Affirm to report the issue and open a dispute. However, on XX/XX/XXXX, Affirm denied my claim and held me responsible for the payments. 
In response to their denial, I submitted additional evidence on XX/XX/XXXX, including : XXXX Credit card statements for XXXX, proving that the payment method used is not mine. 
XXXX. Bank statements for XXXX, confirming that I did not authorize or make these purchases. 
XXXX. Address verification, demonstrating that the shipping address associated with the purchases does not match my current residence. 
Additionally, I requested detailed information on the usage patterns and account activity that Affirm claims as justification for their decision ; however, they have yet to provide this information. 
Despite clear evidence that I did not authorize these transactions, Affirm continues to insist that I am responsible. I am seeking a fair resolution and request a thorough review of my case. If Affirm does not resolve this matter appropriately, I will escalate my complaint to the appropriate consumer protection agencies to prevent inaccurate reporting to the credit bureaus
Product: Debt collection

Collecting debts without a reasonable basis, Closed accounts XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX Threatening or filing collection lawsuits without an intent to prove the debt, Violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act, including : Making representations about unsubstantiated debts Threatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation 15 U.S. Code 45 15USC 1681b ( a ) ( 1 ) ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1681e ( b ) 15 U.S.C. 1692g
Product: Mortgage

Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX XXXX are Putting Wrong Information On Credit Reports And Refusing To Change it Once I Disputed the fraud I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft. 

My account is not being properly investigated Please delete the negative accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g1 Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Product: Debt collection

Accelerated inventory management filed a lawsuit on a debt which they did not verify nor send me any paperwork validating this debt, and how they came about being legally responsible for collecting the debt. This had a significant impact on my credit report. An attempt was made for them to provide me with the information and the caller wanted me to provide them with my personal information without disclosing who they were.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Debt collection

NCB has purchased a debt from XXXX XXXX that has reached the statute of limitations. The balance of this debt is incorrect. Last payment day is incorrect and this debt is also owned by another company. Ive contacted and attorney to start a legal process against NCB and the other company. This inaccurate debt needs to be removed from my credit report. Debt needs to be verified for accuracy and proven. Nobody has done that due to the inaccurate information. Its against the law to reage this debt and attempt to collect it with XXXX debt collectors.
Product: Vehicle loan or lease

Purchased on XX/XX/2023 check engine light came on notified dealer and west lake financial. Sent all required documents haven't received a response and you can not speak with anyone from their fraud audit team only by email even after sending the required documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an XXXX CABLE account on my credit file showing I opened the account XX/XX/XXXX. This information is incorrect and I submitted dispute after dispute and it still hasn't been fixed. I file dispute with all XXXX major credit bureaus. I also provided them with proof of my last payment, which was in XXXX.
Product: Credit card or prepaid card

I had 2 card cards from Citibank. XXXX XXXX and advantage card. I had XXXX XXXX  for 29 years. It is my first card and it is very special to me. I never had a problem and my balance is XXXX  and I pay always on time. The second card is a new card I applied for it because XXXX XXXX had an offer with citibank that If applied for the card I will get XXXX Air miles. The second card had also XXXX balance. When I called citibank they told me that we closed your account because you applied for many credit cards in a short period. I did apply and I had my own reasons ( example : I applied for XXXX credit card because it has the same offer with XXXX XXXX ). but if all my credit cards and department store cards which are around 28 cards has XXXX balance. My available credit or amount to spend is over {$110000.00} and my credit score is over XXXX then I do not see a reason to close my Account under the excuse that I became a risky person. For a loyal customer for 29 years I deserve at least a phone call before closing the account. Or they could reduced my credit limit to lower amount but closing them in this way it 8s totally not respectful. As a result of citibank action my XXXX limit best buy card was closed. This one has a XXXX balance too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX 30 days may 60 days XXXX 120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using credit plus and there are two victorias secrets accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Product: Debt or credit management

Spoke to Transunion regarding deleting different hard inquiry times and a particular collection account XXXX XXXX that I have no knowledge of this account or any contents regarding this account. I been requesting numerous times for this to be removed and its in violation of the FCRA US code 1681 b and 1681 c.
Product: Debt collection

I needed to use my credit and was appalled when I was denied when my credit score was lower than anticipated. I checked my XXXX  records and there was a collection from Portfolio Recovery Associates for {$340.00}. I have never received a call or letter, I do not even know what this is for. This has destroyed an opportunity for me and my family. How could this happen? How could a collection agency be allowed to collect like this? I have no idea what this debt is and it seems they are using applying to people 's credit as a way to collect on debt without notification. This agency needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Debt collection

Fraudulent accounts * Navy federal cr union {$6700.00} XXXX XXXX * Navy federal cr union {$14000.00} XXXX XXXX
Product: Student loan

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ 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 raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.