23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Re : XXXX To Whom It May Concern/Letter to Receiver, I am writing to formally request the immediate deletion of the above-referenced account from my credit report. This request is made based on the following grounds : Violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) Regulations 1. Lack of Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide the necessary validation information for this account. Despite this, a collection has been placed on my consumer report without proper validation. 

2. Right to Dispute : I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights, as I have not received the appropriate notice or opportunity to challenge the validity of this debt. 

3. Misrepresentation and Deceptive Practices : The collection agency is in violation of my consumer rights by using false, misleading, and deceptive means in its collection practices. Such actions are in direct contravention of federal regulations designed to protect consumers. 

4. Furnishing Information to Consumer Reporting Agencies : The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures as stipulated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ). 

IRS Grounds for Deletion Based on 1099-C The account in question is listed as " Charge Off. '' According to IRS guidelines, a creditor that issues a 1099-C form is declaring that the debt has been canceled and reported as income. Consequently, the debt can not be simultaneously reported as both income and an outstanding debt. This contradictory reporting is impermissible, as the account status of " Charge Off '' indicates that the debt has been written off and should no longer be reported as owed. Additionally : - A debt buyer can not claim a debt is owed without a valid contract with the consumer and without the consumer 's knowledge of said claim or fee or fees stated. 
- The IRS 1099-C form indicates the cancellation of debt, which negates any further claims of the debt being owed. 

Given these substantial legal grounds, I demand the immediate removal of this account from my credit report. Failure to comply with this request may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing remedies under the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing that this account has been deleted from my credit report within 30 days of receipt of this letter. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX This letter addresses the specific violations of the FCRA and CFPB regulations, as well as the IRS grounds related to the XXXX form.
Product: Mortgage

Hello, I am the owner of my home at XXXX XXXX XXXX XXXX XXXX I am living there with my XXXXyear-old mother and I really need help I have for months have been trying to get M and T XXXX   company to help me with my request for loan modification so I can go back to paying my mortgage on time. I feel on hard times after a seperation and I am now living in the property and I need to make sure we dont loose our home. 
I am working full time and I ahve submited a fll loan modificatoon request. I want to ask for a proper review and and appeakl to all my denials I needto keep my home.
Product: Debt collection

I receive numerous calls for a debt that belongs to another company. 5 calls a day from fake numbers. They do not stop when I ask them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). Fo r some reason there was an eviction placed on my credit report and I have no legal ties to the home.
Product: Credit reporting or other personal consumer reports

Purchased a credit reporting subscription from creative analytics company. My account was under review for almost a year. I sent an email on XX/XX/2023 to cancel due to not being able to utilize the services. The company replied back with an email stating my account had been activated that same day sorry for the inconvenience they werent willing to refund my account. They also offered to report two extra reports if I agreed to keeping services. I replied and declined the offer advised the company I did not want to keep the service. I reached out to my bank and filed a dispute the bank advised they would put a stop payment on the account. However the bank has allowed the company to continue to take funds from the account. I am very upset with the company and with the bank. Someone reached out from this company stating she would refund me once I provide my login information. I advised I do not have access to that information anymore and why did I need to give login info for the company to honor my request for canceling. Providing the company with login credentials means they could rack on on products under my account. This company is stealing.
Product: Credit card or prepaid card

acct. XXXX With this credit card you're supposed to earn something called Fun points that you can use to pay for cruises to get onboard credits for cruises and various other things a few months ago I used some points for a {$50.00} onboard credit on the cruise that I planned on going on it took the reward points out of my account but when I got on the ship the onboard credit wasn't there I argued with the ship but they said it had nothing to do with them the credit card company the reward company has to send it to them there was nothing they could do at that point so I get back home and I messaged the credit card company I got an email back telling me that you sent it to the appropriate Department give it a couple days and I'll get back to me okay I wait a few days nobody gets back to me so I send the email again once again I get the same email they apologize for the delay they're working on it give them just a few more days I did that then today in the mail I get a letter that reads " this letter is in response to your recent inquiry on your XXXX XXXX XXXX account we are currently unable to assist you with your rewards issue '' it's their credit card if they can't help then who can you charge me interest on the card I use the card I make my payments is earned those points
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$4.00}
Product: Money transfer, virtual currency, or money service

In XXXX of 2023, I tried to send money to a friend from my bank XXXX via a Zelle XXXXXXXX. XXXX  to me the {$100.00} that I sent did not go to my XXXX who has had the same phone number for the last XXXX  years but instead it went to someone I do not know! 

I did not authorize this Zelle transaction and have been made to jump through hoops to get this resolved. I filed a dispute with my bank which was denied and so I opened up again. 

This is unacceptable. I need my money back in my account and I will never use Zelle again. 

I've filed a XXXX complaint and received no help so I am here. My next step will be to contact my states attorney and a lawyer if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Consumer Loan

I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnoin File Number : XXXX. | ** They are denied my request for dispute stating that it is unauthorized. So TransUnion won't process my request for File # XXXX. I am reaching out to CFPB to help with the delay tactic and refusal of my rights to dispute. | * See Attached Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed Unauthorized Inquiries On My Credit Report. 

CREDCO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my 2 ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,
Product: Mortgage

XX/XX/2024 Tried to make payment and got " only one payment per day '' but have not made a payment in 4 days
Product: Money transfer, virtual currency, or money service

I got a notice from PayPal saying that my account was permanently suspended, with no explanation, on XX/XX/XXXX. This account has been solely used by myself for 4 years, and I only used it for XXXX for the past month. It is very confusing that why PayPal is doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is participating in illegal collecting and reporting practices by improperly adding 3 incorrect late payments for XXXX ( XXXX, XXXX, and XXXX ) to auto loan XXXX. I am now working towards paying off my 3rd vehicle loan with Navy Federal with perfect payment history prior to this occurrence. In XX/XX/XXXX, one late payment was reported to the 3 credit bureaus for XX/XX/XXXX. This ensued my immediate contact with Navy Federal Credit Union loan servicing department. My first conversation about this matter in XX/XX/XXXX, I spoke with the Senior Manager of the department. This conversation was recorded on my personal device with the knowledge of both myself and the Navy Federal representative. During this conversation, we  discussed the late payment that was now reporting for XX/XX/XXXX, as well as the second of the two deferments done on the account within a 7 month period. She assured me, the account had not been 30 days delinquent during either deferment period nor prior to them going into affect. Incidentally, she is the sole individual that approved both deferments on my loan. With that assurance, I was confident the late payment would be removed. However, for record keeping purposes, I requested that in writing. I was then informed that she could not individually draft any letters for consumers. I then asked what could I do to fix the reported late payment. I was instructed to complete the dispute process with Navy Federal or with each individual credit bureau. At which point, I initiated the dispute process with XXXX, through my XXXX   membership. Within 10 days, the dispute was complete in opposition to the credit report. 
Navy Federal responded that the late payment for XX/XX/XXXX was accurate and added 2 additional late payments for XX/XX/XXXX and XX/XX/XXXX. All of these dates reported are dates within the deferments that took place almost consecutively with one month between them. After receiving such response from the dispute, I decided to make another attempt at resolving this with Navy Federal. I emailed the CEO, XXXX XXXX, three separate times with no response or effectiveness. Lastly, I called Navy Federal again, on a personal recorded line, to discuss the additional reported late payments. I questioned why two additional late payments were added after disputing one late payment, why all of them remain, and why are they reporting inaccurately. During this call, there were no attempts to rectify the errors, nor were there any suggested solutions. Prior to these reported late payments, I was in the lending process with XXXX  ( XXXX XXXX XXXX XXXX ) to purchase my first home for my XXXX  young children and myself. This has adversely affected my credit score. Due to the detrimental affects of these negative remarks, I am no longer moving forward in the lending process with XXXX. Navy Federal Credit Union is participating in illegal reporting practices. I have contacted them repeatedly to try and resolve this matter without a resolution.
Product: Credit card

My ex wife was able to change my account info using her phone number XXXX, causing me to be late and fees added to my account that she is not on. US Bank verified over phone she did this as I taped the conversation with 2 different agents. She is causing my credit score to drop as well as missing payments as she would of been alerted to her phone. This never should of been allowed as US Bank is responsible for this matter and need to go after her for the charges and put my credit back in good standing. 

US Bank case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my lexus nexus credit report. After contacting XXXX, XXXX, and Transunion it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2023 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to XXXX XXXX XXXX using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent XXXX XXXX XXXX a notice to cease and desist and a notice to validate the debt which they have failed to abide by. XXXX XXXX XXXX is now civilly and criminally liable for violating my consumer rights. XXXX XXXX XXXX XXXX has yet to resolve this matter.
Product: Vehicle loan or lease

I spent almost 2 hours trying to pay in full my mothers car loan with USAA today XX/XX/19. First I talked to the estate department ( which by the way is useless, I can see their only goal is to collect money which I was trying to do but they would not take it ) then they had me on hold for 30 minutes to transfer me to the loan department. After being on hold for 30 minutes I hung up. Then I called the loan department. They put me on hold for 30 minutes to transfer me to the estate department. When I spoke to the estate department they told me I had to pay off the loan with the debt collector XXXX. This is where I have a real problem with this process. When I spoke to XXXX a few weeks ago they told me I would not get the title for 60 days. The estate department was sure to advise me that there is no coverage on the car unless I am using it for estate business. So USAA is holding me hostage with a car that I will have paid off and that I can not register and get insurance on and therefore can not drive, since I dont have a title. This is not fair and is not right. I had a car loan with USAA and when the loan was done I got my title in 2 weeks. I would think that when someone dies USAA would like to actually be helpful instead of a hinderance and then people would want to do more business with USAA since the process is easy.
Product: Debt collection

I am writing to dispute the reporting of inaccurate late payments on my credit report. After careful review, it has come to my attention that your bureau continues to report inaccurate late payments, while other credit bureaus have successfully updated my credit report to reflect the accurate payment history. 
Account Information : GM FINANCIAL XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is essential that my credit report accurately reflects this positive payment history. It appears that there is a discrepancy between the information reported by your bureau and that of other credit reporting agencies. 
I kindly request that you conduct a thorough investigation into the late payment information on my credit report and update it accordingly. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, typically within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to LexisNexis which they received on XX/XX/2021. The letter is disputing the inaccurate bankruptcy information they are reporting on my credit report. The letter is asking for the inaccurate information be removed from my reports immediatey. 
It has been over 45 business days and no response has been giving. This is against the FCRA and this inaccurate bankruptcy must be removed from my reports immediately.
Product: Credit card

I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to register a complaint about XXXX Finance, and to ask for an urgent investigation into their business practices. The company has promised to reduce my debt by 50 %, but I have recently discovered that they have charged me upfront fees of 25 % of any debt reductions that they complete, regardless of the outcome. This has resulted in them taking almost {$4000.00} from my account for their fees, leaving me with nothing to pay my debtors. 

As an accountant and CPA, I find this to be a complete fraud and request that the company be investigated and any fees charged be refunded. The company never explained the upfront fees to me, and I have been paying {$700.00} two weeks, believing that it was going towards my debt payment. However, now I find that it has all been taken away from me. 

I am sure that I am not the only person who has suffered due to the reckless practices of this company. I request that an investigation be launched into their business practices, and that they be held accountable for any fraudulent actions. 

Please contact me at XXXX or via email at XXXX to discuss this matter further. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate
Product: Credit reporting or other personal consumer reports

XXXX reported a car accident on XXXX  that I wasnt involved in to Lexis Nexis, raising my premium. Im not, and never have been a client of XXXX. I disputed the report and they said the data was correct. There doesnt seem to be any other recourse than that dispute, and Im waiting to hear back from XXXX to see if they can help me fix their mistake.