23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX on XX/XX/XXXX submitted documentation to COAF for a validation of debt. In response to my complaint a copy of the alleged contract was sent to me which did not state any of the requested information that was asked for. I also demanded a Cease and Desist for collection of this alleged debt and in response COAF stated that a Cease and Desist would be placed to ensure no further communications from COAF, but then it was stated that I will still receive correspondences regarding this account and that I am still responsible for payments on this account. Looking over the contract from XX/XX/XXXX, a finance charge was involved. 15USC 1605 defines a finance charge as the sum of all charges. So to what debt do I actually owe? Also pursuant to 15USC 1635, I the obligor, have a Right to Rescind following this consumer credit transaction in which these documents where not presented to me at the time of this consumer credit transaction which violates 15USC 1601. In addition pursuant to 15USC 1681a ( 2 ) ( A ) ( i ) reports containing info solely as to transactions or experiences between the consumer and the person making the report is excluded from a consumer report in which COAF is in violation of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Product: Mortgage

On XX/XX/2019, I received a letter confirming the intent of Rushmore LM to provide me with a repayment plan agreement. The first installment was a down payment of {$2000.00} due on XX/XX/19. ( Incidentally, I did make this payment as per terms. ) Nontheless, the mortgagor 's attorney and forwarded a Notice of Seizure to the Sheriff 's Office, mandating the sale of my primary residence, breaching our agreement. I was served on XX/XX/19.

I contacted the attorney and mortgagor, but a cancellation of this notice remains on-hand by the sheriff, who will not release this order. I request a full cancellation given that the foreclosure process was taken to additional steps while I was in agreement.

This began after I successfully completed a Trial Modification and was allowed to begin an initial payment plan. The plan offered ( in XX/XX/2019 ) included a Petition of Foreclosure and Sheriff fees at a time when nothing had been filed ( or was in the process of filing ) with the Court. I asked that these fees be re-evaluated given that these legal actions were not taken and fees had not been incurred. Rushmore continued to accept my regular full payment amounts, sent me another Trial Modification package to complete, and then proceeded to file the petition with 10 days of sending the Modification information. I was 101 days past due and making payments at that time. I have faxed my request for re-assessment, and even though I have proof of transmittal, the refuse to acknowledge my request.

The lender has repeatedly refused
Product: Debt collection

I have disputed with a collection agency by the name of Diversified Consultants stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I am  obligated to pay the amount {$390.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Diversified Consultants. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I do not have a contract with MERCHANTS ACCEPTANCE # XXXX and do not owe this debt collector the stated { {$4500.00} } as alleged. Unless they can provide me with a WET INK SIGNED contract between myself ( XXXX XXXX ) and MERCHANTS ACCEPTANCE I demand this false reporting stop and the account be removed immediately. The original creditor, has charged off this This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, MERCHANTS ACCEPTANCE for actual verification and validation affirming that they have a contract with me bearing my signature. MERCHANTS ACCEPTANCE in accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately. This is a formal notice to cease and desist reporting or attempting to collect this alleged debt. I was a victim of the XXXX data breach also.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning and have no idea how they got there. I check my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the accounts stayed there. Because of this, I urgently request a thorough review of the documents Ive provided so that I never have to deal with this stress again.
Product: Credit reporting or other personal consumer reports

A bankruptcy entry has been falsely listed under the public records section of my credit report, inaccurately reflecting my credit history and negatively impacting my financial standing. Despite immediate action on my part, including contacting the Clerk of the Court for verification, where it was confirmed that no information regarding a bankruptcy filing in my name has been communicated to any credit reporting agency, the entry remains. I have attached a letter from the Clerk of the Court and a section of my credit report highlighting the disputed entry, with sensitive information carefully redacted for security.
Product: Checking or savings account

PayPal email : XXXX My account with PayPal was in good standing for several years, until it was suddenly closed by them with no explanation as to why. Initially I was told that I would receive my funds 180 days after they permanently limited my account, however this was a lie, as it has long surpassed 180 days and yet I have not received a penny.
Product: Credit card

On XX/XX/2024, I sent in a letter to opt out of my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!! 

I gave them 30 days to respond and as of today XX/XX/2024, I have gotten no response and private information is still on my consumer report!
Product: Mortgage

I have a mortgage with 53 Bank. I made my regular mortgage payment in the amount of {$790.00} for the month of XXXX ( it is due on the 1st, and I am allowed to select the date that I make my payment which is the XXXX ). I made a curtailment payment on XX/XX/XXXX  in the amount of {$2000.00}, where I requested the total be applied to the principal. 53 Bank deducted a mortgage payment from that amount even though I did not request it. My XXXX payment was not due yet, so am not sure why my payment was not applied as I requested. I also have inquired about bi-weekly payments and this is an option they do not allow. They seem to do everything to work against the consumer being able to pay their loan off. These companies realize that its not easy to just go to another lender because the rates would not be in the consumers favor and they try to monopolize off of us in any way that they can. Nonetheless, I made a curtailment payment prior to my due date and it should be applied accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Collection Account Reporting Dear XXXX, I am writing to dispute inaccurate information on my credit report. The specific account in question is : Creditor Name : Portfolio Recovery Associates Original Creditor : XXXX XXXXk Account Number : XXXX Balance Reported : {$1600.00} Status : Collection Account After reviewing my credit report, I identified factual errors that must be corrected : 1.Inconsistent Status Updated Date : My credit report states that the last status update occurred in XX/XX/XXXX, yet the payment history continues to report this account as actively delinquent through XX/XX/XXXX. If the account was last updated in XXXX, it should not be reflecting ongoing delinquency each month for several years. This suggests re-aging or continued updates on a closed account, which violates the Fair Credit Reporting Act ( FCRA ). 
2.Repeated Collection Reporting Extending the Negative Impact : The payment history shows collection status updates spanning from XX/XX/XXXX through XX/XX/XXXX. This type of continued negative reporting is misleading and unfairly extends the time the account affects my credit score. If the debt was already charged off or transferred to collections in XXXX, it should not continue updating as if it is a new delinquency each month. 

These inaccuracies negatively impact my credit score and must be corrected. I am requesting XXXX to investigate and verify the accuracy of this account with the data furnisher. If the creditor can not substantiate these reporting discrepancies, I request that the account be corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I tried calling Experian at XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX for assistance with a fraudulent activity in my credit report. This was per Experian 's online self service instruction when reporting an account as having fraudulent activity. I asked dozens of times in the company 's IVR to get to an agent for assistance to apply a block. The IVR told me that they would not provide agent assistance for this key compliance process. I requested many times for agent help. The IVR eventually hung up on me.
Product: Checking or savings account

I received a check in the amount of {$29000.00} from my insurance company and attempted to deposit that check in a Citizen 's branch on XX/XX/XXXX. 

I received a confusing letter in the mail from Citizen 's ; the letter said that the funds from the check would be delayed, but available on XX/XX/XXXX, 6 days after the check was deposited. The letter ALSO stated that Citizen 's believed the check will not be paid. I have attached a copy of the letter. 

On XX/XX/XXXX, the account was credited {$29000.00} ( dated back to XX/XX/XXXX ), but then immediately debited the same amount. We spoke to a branch representative, and they said that the credit was a mistake, that the check would be returned to us in the mail, and that the funds would be sent back to XXXX XXXX, our insurance company 's bank. I am attaching a copy of the relevant transactions from the bank statement. 

We did not receive the check in the mail. When we called Citizen 's to ask about the paper check, they said they return the checks to XXXX XXXX and that there is no way for us to get the check back. They advised us to ask our insurance company to reissue the check. 

When we spoke to the insurance company on XX/XX/XXXX, they let us know that the funds have not been returned to them, and therefore, they can not reissue the check. We called Citizen 's again on XX/XX/XXXX and were told that the funds are in the process of being returned to XXXX XXXX, with no estimate of when the return would be complete. 

We also started an email thread with XXXX XXXX ( NMLS ID XXXX ), the XXXX 's banker at our local branch who we have been working with throughout this process, as well as our insurance company, hoping that the two companies would be able to work together to track down the missing {$29000.00}. Unfortunately, XXXX refused to use the reply-all function so the insurance representative could not see her response ; however, XXXX did indicate that the funds were already return on XX/XX/XXXX. This is a direct contradiction of what her colleague had told us over the phone earlier. This is also not the first time that we have been told contradictory things by different XXXX 's employees in this case, see also the open question of whether the check would be returned to us or not. At this point, we have no idea where the money is, and it seems Citizen 's does not either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX XXXX : # XXXX .15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Other than back to back calls, after hours and weekends. They have shown up at my house three times. They say they do not do business with XXXX XXXX XXXX, who I eventually shared that I had joined to pay them due to my financial hardship, but each message is different from them. One lady pulled up on me here at home when I was outside cutting grass. Then a man showed up at my front door on the XXXX, I believe, then he returned today, knocking repeatedly on my door. They are harassing and scaring me. They told me on another phone call that, if they received money from XXXX XXXX XXXX  they would accept it but I would still owe the balance. Then this weekend, they called and said they would garnish me by XXXX And then showed up today, Monday banging on the door. 
They are Tower Loans, phone number XXXX. 
I have XXXX videos on my tablet of him at the front door that I can not attach. If you need them send me an email and I can forward them. You would be shocked. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a fraudulent account that has appeared on my Experian credit report. The account in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Inclusion : XX/XX/2021 Outstanding Balance : {$69.00} I would like to emphasize that I am a victim of identity theft, and I have never engaged in any business or financial transactions with XXXX XXXX. The appearance of this account on my credit report has caused considerable distress and concern for my financial well-being. I strongly believe that this account is fraudulent and should be removed immediately. 

While I understand the importance of regularly monitoring my credit report, circumstances beyond my control prevented me from checking my report since XX/XX/2021. During this period, I was dealing with a serious medical condition that required extended hospitalization and subsequent recovery. Due to the medical treatments and resulting XXXX, I was unable to tend to my financial affairs diligently, including monitoring my credit report. It was only recently, upon my regained health, that I discovered the existence of this fraudulent account. 

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. I request that you promptly investigate the authenticity of the XXXX XXXX account and provide me with a detailed explanation of its origin and any supporting documentation that led to its inclusion on my credit report. 

I kindly request that the Consumer Financial Protection Bureau act swiftly to rectify this matter by contacting Experian and ensuring the immediate removal of the fraudulent account from my credit report. This fraudulent account is tarnishing my credit history and has the potential to impact my financial opportunities negatively. I trust that you will uphold your commitment to protecting consumer rights and take the necessary steps to address this matter urgently. 

I have attached supporting documents, including a copy of my identification, to verify my identity and demonstrate that I am indeed the victim of identity theft. Additionally, please find enclosed the Identity Theft Report I filed with the Federal Trade Commission for your reference. 

I would appreciate your prompt attention to this matter and a written response detailing the actions taken to rectify the fraudulent account within the statutory timeframe of 30 days. I firmly believe that the removal of this account is vital to safeguarding my financial standing and restoring my creditworthiness. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution to restore the integrity of my credit report. 

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

I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Dear Best Buy Credit Mgmt Dept, My credit card # is and enclosed is the letter from my credit report from XXXX showing my XXXX score which was lowered to XXXX because of you guys and it also shows the serious delinquencies on my credit histories also because of you guys. 
Last XXXX of XXXX you guys were given both my routing number and account number of my checking account so you could auto debit them from me for the last XXXX payments, of the {$600.00} bucks owed to you guys. The numbers and account numbers were read back twice to you guys over the phone. Just to make double sure. 
Then suddenly at the beginning of XXXX I got numerous unknown calls on my cell Thinking it was a telemarketer I never answered. I finally called back the number and spoke to a Woman who told me they had the wrong account numbers and routing. I gave her the correct ones once again and asked what possibly couldve happened? She said that sometimes this happens and that somehow they mustve gotten them wrong even though I repeated them twice. I said well, it has to be your error because if you had the right ones we wouldnt be having this conversation. Nor would this letter ever have to been written. 
And l also I asked her why they didnt just leave a message and she said you guys are not allowed to do that either. Really? Thats a policy that needs to change, because that wouldve gotten the problem solved quicker. 
None of this shouldve ever occurred and makes no sense to me. In all of my years of paying off my bills have I ever had a Delinquency on my history ever, not XXXX. And I dont intend to going forward. You guys need to remove them from all three of my credit reports. Immediately. 
Lastly, please send a separate letter saying youre going to delete them or in the next correspondence. 

Sincerely, XXXX XXXX XX/XX/2018 Dear XXXX Enclosed is the Dispute letter that was sent to Best Buy credit please read it because it explains what happened. 

Please remove all XXXX day delinquencies and negative credit histories from my reports due to this was entirely their fault as you can see from which is stated in my letter to them on XX/XX/2018. 

Best Buy is disputing with all three credit agencies so I am doing the same. 
It was once again entirely Best buys mistakes and it needs to be noted so. Also please have my XXXX score restored and raised to where it was before this terrible credit mishap. Which should have never occurred in the first place and as you can see has never happened to me in my entire payment history life. 

Lastly please send me also a letter also stating that. 


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

I had internet service with XXXX XXXX  company.the service was terminated but them continued to bill me for full service.i tried to rectify the problem with company and they contends that even though the service was odd im responsible for full amount and I refuse to pay for service I never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report & saw that points were taken away from my score because I moved. I didn't move, I closed my postal box & had my mail sent to my home. I contacted experian & spoke/a person in the XXXX. He said his name was XXXX but he didn't understand me. I asked to speak to someone in the US. He said he was transferring me to the US, I asked for the number in case my call didn't go through. He said he didn't know the number he was transferring me ( I asked how could he transfer me to a number he didn't know. Basically he didn't explain that transferred me to hang up. Can u help me?