23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am unsure as to why Mr. Cooper has been sending me numerous letters in the mail. They are claiming that I owe back money to them when im fact I sent Payments to XXXX XXXX  XXXX. Mr Cooper has since mail to me XXXX letters from the beginning on XXXX after claiming to now have control of my Payments. I have sent them a request for information in regards to who the original creditor is on this account ect. I havent heard a response. Mr. Cooper is a horrible mortgage company, whos goal is to take people out of their homes! I am willing to expose their True fraud, by the way of the securitization process, and file a Federal Case for this company. I have sent them back their payment coupon ( security instrument ) in regards to the payment/ debt request.
Product: Debt collection

I rented vehicle from XXXX around end of XXXX. By the time I reached the counter it was late and I had my toddler in my arms. I signed for the vehicle and did not realize that company had tagged on additional fees. Next XXXX  I called XXXX and explained that I didn't agree to the services. They said at this time we can't help me. I then called my credit card company ( XXXX ) and explained them what happened and filed a dispute. The original amount XXXX charged was {$670.00}. The disputed amount was {$150.00}. After few days I received letter from XXXX stating that dispute went in my favor and XXXX will credit me {$150.00}, which they did in early XXXX. XXXX months later on XX/XX/XXXX, with no prior communications, I received letter from Joseph Mann & Creed that my account was reported to collection agency. I was furious to find out that despite making payment of the entire amount of {$670.00} was reflected on the collection document. 

XXXX is refusing to listed to my concern and so is the XXXX collector agency. I response I am getting is " it is what it is '' and you owe the debt. I have near perfect credit and have never missed any payment. Further, credit card company can confirm that my account is current and all payments have been made to XXXX. 

These are the times when vendors are taking advantage of consumers and reporting to debt collector to collect double payments. This is wrong and immoral on so many levels.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

Below here are the accounts XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



Delete account immediately. 




In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXXXXXX XXXX XXXX has violated my rights. I was never late. XXXX Below here are the accounts XXXXXXXX XXXX XXXX XXXXXXXX, has violated myrights. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete account immediately.
Product: Credit reporting or other personal consumer reports

Ive tried requesting my credit report multiple times from Transunion through annualcreditreport.com. The electronic version never works so I requested it be mailed to me and I never received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX requested that Equifax investigate a company on my credit report. XXXX XXXX. I have no knowledge of this account and i have sent certified letter to the company and eqifax and neither company have sent me proof that this company or validated this was my depth. XXXX XXXX signed for the letter so i know they received it. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports
Product: Credit reporting

Trans Union is reporting that a bill has not been paid for {$170.00} and is in collection status. The Bill is from XXXX XXXX and has been in dispute status for several months while I was trying to get the insurance company to pay it. Finally got the bill re-coded properly and Insurance company paid it. After 3 attempts to get this resolved, They are still showing it as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute   XXXX   on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Payday loan, title loan, or personal loan

I took out a loan to pay electric which was shut off. The loan was {$820.00} I went on the site to see when payment be due and found they are charging 646.10 % interest. That is ridiculous. I would pay back over {$4000.00}!
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre XXXX trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA/NORDSTROM XXXX XXXX has violated my rights as a consumer. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! TD BANK USA/NORDSTROM XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize TD BANK USA/NORDSTROM XXXX XXXX to use or share my nonpublic personal information. I am asking TD BANK USA/NORDSTROM XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I demand this account be removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this account is being reported with late payments which is a violation of 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose and causing harm to my reputation, I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }
Product: Debt collection

I received an identity theft alert. An impersonator was using my personal information to apply for an apartment lease. I received the debt of application fees for this fraudulent act. Date of occurrence : XX/XX/2021, original creditor : XXXX XXXX 2, Amount Billed : {$150.00}. I received the notification from Columbia Debt Recovery of this false charge on a letter dated XX/XX/2021. I also received a letter notification of Columbia Debt Recovery 's request of proof to better investigate this crime on XX/XX/2021. This actually informed me of the option to file a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called XXXX XXXX actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
XXXX. All of the XXXX inquiries are not authorized by me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On XXXX XXXX the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXXXXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX. XXXX XXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at around XXXX EST a payment was made to a user on accident from my account. I did call CashApp customer support and was met with a barrage of questions that led to them telling me that they could not assist me with the issue. 

The amount sent was {$550.00} and even after clarification that the amount was sent on accident to an account that was not affiliated with the person it was meant to be sent to, CashApp refused to assist. 

When I informed CashApp of the reason for the mistake, they informed me that the payment sent was as is and couldn't be reversed. There was a one letter difference in user names ( cash tags ) between the intended recipient and the one that wasn't supposed to have the money. 

I attempted to recollect the amount by requesting a refund and that was refused by the receiver of the funds that were accidentally sent.
Product: Debt collection

I received an undated notification.from Zion Debt Holdings that I owed a debt in the amount of {$150.00} to XXXX account XXXX. This account was owned by XXXX when I contracted with them. On XX/XX/XXXX I closed the account with XXXX- with a closing date of XX/XX/XXXX ( since we were selling our home on that date ). The account at XXXX was automatically billed to my credit card. XXXX did not bill that account until XX/XX/XXXX. I was surprised with the billing so I contacted XXXX ( who had been taken over by XXXX ). On XX/XX/XXXX, I called XXXX. XXXX XXXX verified that I had closed the account and acknowledged that the agent on XX/XX/XXXX. did not follow proper closing procedures. In XXXX, XXXX I received a letter from XXXX stating that there were no additional charges from XXXX. I still received billings for a few months but those billings disappeared in XXXX, XXXX. All conversations related to these billings with the representatives at XXXX were futile. Since I had had no contact from XXXX in a year, I shredded the letter from XXXX verifying no owed debt. I have had no further interaction with XXXX. Obviously XXXX assigned my referenced account to Zion Debt Holdings without any notification to me of those actions. XXXX has on record a copy of the letter that was sent to me by email in XX/XX/XXXX advising me that there were no debt or fees associated with this account. 
I tried talking with XXXX at Zion Debt Holdings and she insisted that I owed the debt because I had failed to notify Monotronics in writing. However, I explained to XXXX that I had followed all procedures explained to me by XXXX and the representative on XX/XX/XXXX. XXXX stated that the representative in XXXX did not follow all procedures related to the closing of the account.. However, I did not question XXXX about the failures of that employee. We had an account with XXXX for 12 years. I suggested to XXXX that they ask XXXX for a copy of the written verification of the affirmation of no debt. She rudely explained that the verification was my burden and not hers. XXXX let me know that if I had not submitted payment on or before XX/XX/XXXX that she would submit my record to all credit bureaus. 
Please contact XXXX and verify this information on my behalf and request they remove my account from Zion Debt Holdings. 
Respectfully submitted, XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with Allied collection Se. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.
Product: Money transfer, virtual currency, or money service

Monday, XX/XX/2021, I requested, online, a withdrawal of all my crypto-currency for a value of USD {$1500.00}. It was supposed to be transferred to my bank account automatically. 

As of today, Tuesday, XX/XX/2021, I did not receive anything yet. It's been ten days that I have been waiting for my money. My bank charged me twelve times {$34.00} fee for insufficient funds. I did not pay my mortgage last week because I did not receive this amount. If I knew that would take forever, I would have requested a withdrawal a long time ago. 

Their customer services are by chat online, and I requested that a supervisor call me back because of this significant issue. Still, the chat representative wrote me that nobody was available. According to the representative, the problem is that there's an internal issue to transfer the money. He added that it will be deposited as soon as possible. As soon as possible means nothing. They don't care, and they don't even talk to their clients, they chat. 

THEY ARE KEEPING MY MONEY HOSTAGE FOR MORE THAN 10 DAYS WITHOUT ANY EXPLANATIONS, AND THAT CAUSED AND STILL CAUSING ME FINANCIAL HARDSHIP AND EXTREME LEVELS OF STRESS. I CAN NOT SLEEP, AND I DON'T KNOW WHAT THE MORTGAGE COMPANY WILL DO WITH MY CASE DUE TO CRYPTO.COM
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the wrong amount due I had a credit limit of XXXX. Also they are changing the reported date to current year instead of the original date which that is fraud.
Product: Debt collection

A debt validation letter was sent out on XX/XX/XXXX asking portfolio recovery to validate debt that ar reporting on my credit report and in response they only could only send a letter stating they had verified it their records but not provide physical validation proof therefore I didnt get proper validation of the debt they are saying is owed.
Product: Credit card or prepaid card

This started XX/XX/XXXX whereas my cell phone started receiving repeated automated calls throughout the day with different recordings such as " please call Khols department store at .... '' The calls are coming from 3 to 4 different numbers ; XXXX, XXXX, XXXX. I have called the numbers back, but unable to reach a live person. They ask that I leave a message, but then the line disconnects. I did call the number left on some of the messages, XXXX, and advised them of receiving calls and that I do not have a Khols credit card, nor have I had one in the past. I asked that they remove my number from their system. All my accounts/credit cards are current and I also do not see any suspicious activity on my credit report. I was advised from this company that they too do not show me as having any account with them. I was unable to gain a name of their company and any affiliation with Khols department stores. I have blocked those numbers thru my cell phone company. However today I did receive another call from XXXX. Also important to note that my cell phone is used for business and has been listed on the nation do not call registry since XXXX. This is becoming an issue of harassment at the least. Please help!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current, and no balance is owed. It is incorrectly reporting as CHARGED OFF under payment status, and the comments/remarks reference a CHARGE-OFF. Additionally, the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : I. Defamation of Character II. Negligent Enhancement of identity Fraud III. Violation of the Fair Credit Reporting Act IV. Violation under 15 U.S.C 1681o civil liability for negligent non-compliance V. Violation under 15 U.S.C 1681n Civil liability for willful non-compliance VI. Failure to comply with 15 U.S.C 1692 ( g ) VII. Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports VIII. Violation under 15 U.S.C 1681i- Method of verification IX. Violation under 15 U.S.C 1681a- Right to privacy X. Violation under 15 U.S.C 1681c- Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXXXXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Debt collection

TransUnion is committing fraud with this creditor, XXXX XXXX XXXX on a debt that was paid in XXXX to XXXX XXXX of XXXX. TransUnion deleted the fraudulent charge this year in XXXX & XXXX as well as the prior 2 years stating that the charges were paid and not to be on my credit report. TransUnion 's calls center is not in the US and is trying to scam me for additional personal information along with XXXX XXXX XXXX for {$590.00} and {$290.00}. TransUnion needs to be investigated immediately!!!