23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I requested a letter of validation letter of the debt outlined in a letter from this third party collector Velocity. Their site gave me an email server error and I emailed them from my personal account. I did not received the requested letter in 10 days as required. Today I attempted a second effort to get a validation of debt letter in response to thier letter I received. This site was not working again and I received another email server error and again sent a request via my personal email account. I want to note that I keep getting a barage of spam calls and no voicemail messages are left. This debt was previously with a debt consolidation company which is in litigation and I filed a separate complaint for that previously for XXXX XXXX XXXX XXXX.
Product: Mortgage

Have attempted to obtain a modification on this mortgage since XX/XX/2016. Submitted multiple sets of documents, but no mod. The home is valued well below mortgage, comps in area are XXXX less. No communication from Shellpoint since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 4 accounts that do not belong to me and needs to be remove from MY transunion credit report also 4 inquries XXXX DATE XXXX : XX/XX/XXXX BALANCE IS {$940.00} XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Case # XXXX. 
Today XX/XX/2023, I have spoken with an representative ( via phone ) from the XXXX XXXX XXXX XXXX 's department of Equifax LLC. A consumer reporting agency. 
The representative informed me that he would be denying my request to resubmit a dispute for the following accounts. 
XXXX XXXX acct. ending in XXXX, XXXX XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, XXXX Bank acct. ending in XXXX, XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX  acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, and XXXXXXXX XXXX acct. ending in XXXX. 
I requested that the rep immediately provide to me with the law that governs his authority to deny my consumer dispute request. And he didn't provide any. 
This adverse action against me! Has been done in Violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act. and State Laws.
Product: Debt collection

BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.
Product: Credit card or prepaid card

My USAA ATM/ debit card was canceled due to a mass re-issuing done by the company ( USAA ). I  recieved no texts or phone calls warning me that my card would be canceled. The newly re-issued card was lost in the mail but USAA canceled my current ATM/ debit card without telling me. I now have no way to access my funds and will be without money until approximately Tuesday, when the new card is supposed to get to me according to the customer service representative. USAA has shown very little concern for my issue or my general well-being considering I rely on this ATM/ debit card to make everyday purchases. 

Please note that my old card was fine. It wasnt expired, lost or stolen. The mass re-issue was initiated by the company and the old cards were all canceled without warning.
Product: Money transfers

I tried to send money using western union and everything was ok until I got a text message saying the transfer would be delayed till I call a number, which I did and the gave me a XXXX digit number to return to the place where I sent the transfer from and get a refund. I returned to the place and they told me in order to get a refund the number needed to be XXXX digits and to go to a western union store and try and get a refund, unable to find one in my town so I would have to go out of town to try and find one, this is time consuming. they mentioned something about sending a check in the mail, then I started reading articles about their lawsuit, so I figured their credibility might be suspect and decided to come here instead of going round and round with them. 
They also had me talk to their fraud evaluation department, which I find extremely embarrassing, trying to answer question about my relationship to and with the recievers of the funds, so they placed the transfer on hold and eventually declined to send since I did not answer the questions to their satisfaction, I can understand it, but feel my money should be refunded or transferred.
Product: Money transfer, virtual currency, or money service

Subject : ATM of Bank of America didnt withdraw American cash when I used another bank debit card two months ago. 

Hi, Dear XXXX, I am a customer of both Bank of America and XXXX XXXX XXXX. 

At about XXXX XXXX On XX/XX/year> ( XXXX time ), I wanted to use a debit card ( XXXX ) from XXXX XXXX XXXX  to withdraw {$300.00} from a Bank of America ATM machine ( No : XXXX XXXX ) in XXXX XXXX Texas. However, the ATM machine didnt withdraw any cash and any receipt for me, but the XXXX XXXX XXXX  had detained our cash ( RMB XXXX yuan, equal to {$300.00}. plus handle fee XXXX yuan ). I have called and complained to the XXXX XXXX  in XXXX and the Bank of America many times. XXXX XXXX XXXX  has filed a case ( Confirmation No : XXXX ) and transferred it to Bank of America. Now more than two months have passed, and Bank of America still has no answer for how to handle it, and XXXX XXXX XXXX  has been still deducting cash in my account. I am very appreciative and hope your department can solve this problem for me. Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion,. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called Equifax about this issue and they still wont remove these inquiries that wasnt authorized by me.
Product: Debt collection

I received 1 letter in the mail that looked like a postcard in regards to this debt from Capio Partners. I had no idea what it was for and when I XXXX the company name there is a lot of bad reviews that this was a scam. When I called to get more information and possibly settle the debt, I was not helped. The guy asked for my full social security number which I was not comfortable givign over the phone ( espcially since I had no idea what this was about. ) When I offered to give him my birthday of XX/XX/XXXXhe said that was not my birthday. I was then disconnected from the call. I honestly thought this was a scam sicne he said that wasn't my birthday and asked for my full social. I have no clue what this debt is for or from when it was and I have not recived any other type of letter or communication regarding this. I was made aware of it being placed in collections due to a XXXX XXXX alert. Please remove this from my credit report as a derogatory mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went into XXXX, XXXX, XXXX XXXX i tried applying for XXXX  and it ended up being more than one Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been in repayment on my grad loans, which are on XXXX, since XX/XX/year>. It is now 25 years later and I am eligible for discharge. 

But there is no action on that front. 

I have already paid the XX/XX/XXXX payment in an attempt to trigger discharge. That failed. Now I need action to get the servicer and Education Department to recognize that I have fulfilled the obligation.

Currently, Aidvantage s
hows some of my loans are due to be repaid until XXXX. This is a multibillion dollar portfolio they are handling, and I can't imagine that if it were reversed, they would be good with a blatant declaration that another party was breaching the contract.
Product: Credit reporting or other personal consumer reports

The first company XXXXXXXX XXXX XXXXXXXX reporting XXXX XXXX  account that is not mine. Second one is XXXX receivables. XXXX home health care account. Not mine, national credit systems are row property management. Those accounts are not mine and they are reading and collection. There are multiple accounts on all XXXX of my credit reports that are not my accounts. I have tried repeatedly to get these removed. And they will not do it. They keep verifying them as mine. I need your help. And I don't know how to go about it. But your help is greatly appreciated. All XXXX credit bureau 's are reporting these bad collections on my report and stopping me from getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several credit dispute letters to the XXXX, XXXX  and XXXX  as well as to Fedloan who is the data furnisher in regards to the derogatory payment status on my account with claims of me making a late payment back in XX/XX/XXXX-XX/XX/XXXX. Ive sent in several request to have the information corrected to show that I never made a late payment as my account was in deferment status as well as my consumer report shows that a 90 day late payment for XXXX but I was current in XXXX which based on actual facts that numerically that is an error in the reporting of my payment history. Also there are gaps in between months in which I would like it to be filled with a payment status for the complete and accuracy reporting to my consumer report.
Product: Debt collection

Im getting repeated calls from these people Im explaining I dont owe the amount Im being accused of because they had the car repossessed and it was left in a tow yard they never went to get what they towed and the sale of the vehicle wasnt deducted per United States Uniform Commercial Code 9-609 I was told I bit to pay the debt willingly or face charges
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX XXXX, mi XXXX XXXX XXXX XXXX XXXX XXXX, mi XXXX My only name is XXXX XXXX My only XXXX is me : XXXX XXXX  XXXX, MI XXXX My only date of birth is XX/XX/year> You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Checking or savings account

Im asking relayfi to close my account but they arent willing to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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: Debt collection

I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. 
XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the $ 3 monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax refuses to remove a fraudulent account from my credit report after they allowed someone to use my state driver 's license and personal information to borrow an auto loan. I was not in the country hen the contract was signed and CarMax fail to remove their negative account from my credit report. 

PLEASE READ THE ATTACHMENTS!!!
Product: Credit reporting or other personal consumer reports

All student loans had been forgiven about XXXX  years ago under XXXX and XXXX XXXX Credit Bureau continues to report the balances and not remove them.
Product: Debt collection

I sold a home almost 7 years ago and the buyer took over the security system contract. Both buyer and I ( seller ) provided this information in the original contract. A company with multiple complaints with the Federal Trade Commission ( Zion Debt Holdings ) has recently started harassing ME about this debt with the company Vivint. Ive produced documentation and asked them to STOP contacting and harassing me, even after I put it in writing to stop harassing me because I do not owe the money. Their employee name XXXX keeps contacting me via text on my personal cell phone. I am a busy doctor and she wont stop contacting and threatening me.