23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against Credit Control Services Inc. for their violation of my consumer rights under 15 USC 1692c ( c ), part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the code states that if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector must cease all communications with the consumer, including communication to credit reporting agencies. 

On XX/XX/year>, I notified Credit Control Services Inc. that I refuse to pay a debt they claimed I owed, as I believe the claim to be inaccurate and unfounded. Despite my notification, Credit Control Services Inc. has continued to communicate with me through [ mention specific methods of communication, such as phone calls, emails, or letters ], and has also reported the alleged debt to credit reporting agencies. 

These actions are in direct violation of 15 USC 1692c ( c ), and I believe they represent unlawful harassment and unauthorized reporting, causing me distress and potential harm to my credit score.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that [ name of collection company ] ceases all communications with me and removes any reports of this alleged debt from credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX keeps reporting to my credit. Incorrect information identity theft. They are reporting to open account that I never created I've never bought anything off their website. 

They keep reporting this to my credit and they are hurting my credit I have a negative XXXX points. I'm at poor credit because of them They give me case number by email say they won't investigate. Send to the proper department but they never get around to contact me they keep giving me the runaround. 

They keep reporting address that I never lived in. This is clearly identity theft.
Product: Mortgage

Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.
Product: Money transfer, virtual currency, or money service

we contracted with 2 different companies, signed agreements, etc for a business loan after sending the funds they were required for all closing costs, insurance, etc, etc they both disappeared and have not responded in our repeated attempts to get a hold of them There are 2 diffrent companies for 2 different scams XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX this was the company the lender, XXXX XXXX used to collect monies XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has already been identified now, as a impersonation of the real company the other company is listed in the next section, my complaints are combined
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the XXXX and TransUnion Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.
Product: Credit reporting

I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

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

The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since 2008. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries. 

The bank says I have cars with high balances, yet I have at least four cars with a XXXX balance, overpaid ( credit ) balance, or no balance greater than 25 % of the authorized credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX : {$210000.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. 

These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.
Product: Mortgage

Shellpoint/New Rez Mortgage began foreclosure proceedings on my property As a result I was assessed legal fees totaling {$4300.00}. I have attempted, unsuccessfully on numerous occasions to obtain proof of non payment. This is because I have a {$0.00} cent balance on the principal. Shellpoint/New Rez and I entered into an agreement to keep my mortgage at {$0.00} cents so that I did not have to pay back the remaining balance until I passed or the property was sold. Since that agreement they have not been able to process my payments. The LOAN HISTORY STATEMENT has them listed as UNAPPLIED PAYMENTS. As a result of this I receive monthly calls from the debt collection dept saying that I am behind in my payments. When this occurs I ask them to look at the account and see that I have made the payment. I usually receive an apology and a promise that the error will be corrected. The following month I receive another call from the debt collections dept. This has been the situation for over 5 years now. Around 3 years ago I had XXXX XXXX XXXX and was not able to handle the Debt call from them. As a result they attempted to foreclose on the property. By the time I was better they had added the {$4300.00} attorney fees to the balance. I attempted in writing and phone to have them removed. I have requested that they send me proof that I had missed any payments. What they have sent me is The Loan History Statement. The statement shows over XXXX occasions where the payment was made but is listed as UNAPPLIED.

I have attached a copy of my loan history statement. 


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

i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Checking or savings account

I opened a new checking account in XXXX with BMO 's promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included retirement/pension payments. I went out on leave from work in XXXX and started using funds from my retirement account for ongoing expenses. I deposited these funds from my account to BMO several times over the following 90 days. However, BMO is now telling me that those deposits are a fund transfer and I am therefore not eligible for the account promotion, despite them listing retirement/pension payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the third year in a row, Equifax refuses to give me my credit report. I use the XXXX site, plug in my personal information, answer their security questions and then they refuse to give me my report. They say I have to mail them all kinds of documents with my personal information on it. This is an extremely unsafe and unreasonable requirement that puts my personal information at significant risk. They should provide my information online, like the other 2 reporting agencies do every year.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received an email from XXXX regarding a fraudulent transaction to which I replied I did not make the purchase. XXXX  shut down my card and sent a new one. Minutes later I received a text from what appeared to be XXXX saying another transaction was attempted to which i replied " no '' saying I did not authorize. I immediately received a phone call from what populated as XXXX  customer service and the individual told me my information was stolen and wire transfers were set up but cancelled. He also said a Zelle payment for {$5000.00} was set up for XXXX XXXX that day. In order to cancel it, he told me I needed to resend the payment to XXXX. After hesitation he assured me he was XXXX reiterating my PIN number, account number to me, which I never gave to him. I mistakenly sent the Zelle payment to the number not knowing this was a scam. When I called XXXX about it, they did not know of the call and said they would investigate. They told me it was my fault for sending the money and Zelle said they do not refund scammed money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions TXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Demand for Immediate Correction of Inaccurate Credit Reporting Account XXXX To Whom It XXXX Concern, I am writing to address the results of your recent investigation regarding the charged-off account ( Account No. XXXX ). The findings you provided only reaffirm the inaccuracies that I previously disputed. Specifically, the account continues to be reported with erroneous updates on a monthly basis, which is both misleading and damaging to my credit profile. 

The account is also being reported 120 days late consecutively from XX/XX/XXXX to XX/XX/XXXXXXXX  which is inaccurate.. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and to investigate disputes thoroughly. Your failure to address this ongoing issue constitutes a violation of my rights as a consumer. 

I demand that you take immediate corrective action to remove this inaccurately reported charged-off account from my credit report. If this issue is not resolved within the next 30 days, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau and consider legal action for damages caused by your negligence. 

Please provide written confirmation of your actions to rectify this matter. 

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

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agencies XXXX, XXXX and Experian, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX and Experian, have never informed me of my right to exercise my nondisclosure option. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

On XXXX XXXX, 2016 we faxed a settlement of debt ( XXXX mortgage on a house we no longer own ) request to Ditech Financial to the fax number they had provided us during an prior phone conversation. 

A letter dated XXXX XXXX, 2016 from Ditech Customer Service stated that they received our correspondence regarding our account on XXXX/XXXX/16 and is currently under review. That we should expect to receive a response within 30 days from the date they received our correspondence. 

Then a letter dated XXXX XXXX, 2016 from Ditech Customer Service XXXX stated that our request has been forwarded to the appropriate department for review. That we may contact XXXX XXXX at ( XXXX ) XXXX extension XXXX or XXXX XXXX at extension XXXX for further information regarding our request. 

Then a second letter also dated XXXX XXXX, 2016 from Ditech stated that they are in the process of reviewing our written request and that their research has not concluded. That the purpose of the letter is to notify us of their ongoing investigation in an effort to provide a resolution. Again, any questions call XXXX XXXX XXXX XXXX. 

We have called and left messages on the following dates with NO response XXXX/XXXX/16 XXXX a.m. 
XXXX/XXXX/16 XXXX ( XXXX ) XXXX/XXXX/16 XXXX ( XXXX ) The only " correspondence '' we have received from Ditech is our monthly statement, which we continue to pay due to not wanting to damage our credit.
Product: Student loan

I have contacted FedLoan Servicing three times - in XX/XX/2021, XX/XX/2021, and again today, XX/XX/2021 - regarding a series of seven non-consecutive payments they are claiming are do not count as Eligible Payments for PSLF purposes. The two reasons listed for why these payments don't count are ( 1 ) " You Do Not Have A Bill Due For This Payment Period, '' and ( 2 ) " Your Payment Was Received Outside of Payment Period Window. '' I have been on auto payment since I started paying my student loans, so neither of these explanations make sense : ( 1 ) if I had no bill due, nothing should have been automatically withdrawn from my bank account, and ( 2 ) if I'm on auto payment, any payments should be made on time, without fail ; any failure to apply an auto payment on time would be the fault of the servicer, not me.

Every time I call in, they tell me my payments are " under review. '' I don't understand why this request should take 5+ months to review and research.