23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Experian consumer report that listed a balance with XXXX with all my student loans XXXX Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance and declaration of rights order that all debt are forgiven. See Attached. All of these account ( XXXX ) should reflect as paid in full. 

Regarding the XXXX courts have ruled that this information return along with an additional identifiable event establishes a discharge. See In re XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Here you have public record XXXX which is a order and language as it pertains debts involving the taxpayer. See Attached. See Claim of Title ( XXXX )
Product: Mortgage

Been speaking to XXXX XXXX from Wells Fargo home mortgage. Had left numerous calls to make a payment prior to XXXX XXXX to make a payment, no return calls, received and spoke to the rep who stated she could still take the payments although Wells Fargo had me locked out. Advised I would be making payments the following week. 
On Monday XXXX XXXX, 2016 a rep from Wells left a notice on my door in which I called the number and it was for a payment. XXXX XXXX then called, while speaking to Her she had advised that Wells Fargo had submitted back in XXXX an inspection on the property. Mind you at that time I was n't even 2 months down and there already beginning the wheels rolling with foreclosure and went into explain what I had gone through for 5 years with Wells Fargo and the errors. 
I advised that if Wells was going to start foreclosure already without helping to see what happened with the title company and the calls to me telling me I had to resign my documents 6 months later to send me short sale and deed in lieu documents. 
I proceeded to tell XXXX XXXX that she really had no empathy for the position she worked. She really had the nerve to tell me why should she have empathy with me since im telling her what im doing. 
WELL LETS SEE MAYBE IF SHE WOULD HAVE RETURNED MY CALLS I COULD HAVE MADE A PAYMENT PRIOR TO XXXX XXXX AND NOT BE BACK WHERE I WAS 5 YEARS AGO. 
MAYBE IF SHE CARED A BIT ABOUT PEOPLE AND THERE HOMES AND INVESTIGATED MY CASE PROPERLY I WOULDNT BE BEING FORCED OUT YET AGAIN! 
Its apauling that Wells Fargo have people there that scream and yell. Not her. And This rep., mocking me and the whole process. 
Due to her mocking me and my situation I have asked for a new customer service representative that is n't rude, that does n't mock. 
I AM ALSO DEMANDING THAT THE PHONE CALLS BE REVIEWED AND LISTENED TO AND I WANT WELLS FARGO TO CLEARLY TELL ME THIS IS HOW THERE STAFF SHOULD TREAT PEOPLE.
Product: Checking or savings account

Our business checking account with MNT Bank was compromised and a series of unauthorized ACH debits were taken. Once realizing these debits were occurring, we contacted MT Bank and were advised to close all accounts and to reopen new accounts. We were able to recover a small portion of the ACH is debited, but still have a large portion that is outstanding. MNT Bank denied an initial investigation uncovering the remaining funds and claiming not having support from XXXX XXXX to conclude the investigation. We are currently fighting to retrieve over {$35000.00} and missing unauthorized debited funds spoke with XXXX XXXX, and they are not able to launch any investigation as we are not the account owners that the credits went into, the financial institutions to try to get a resolution
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Product: Bank account or service

I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 by 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am disputing the collection account with CREDITACPT account number XXXX dated XX/XX/year>, with a balance of XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDITACPT provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Student loan

Account # XXXX I had a loan with Fed loan. The loan amount was taken out of my taxes years ago but it still remains on my credit report. Please remove ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen from my handbag while in my possession on XX/XX/2023. I was effectively pick-pocketed. ( I filed a police report the evening this occurred on XX/XX/2023. ) The thieves quickly attempted many fraudulent multi-thousand dollar transactions at XXXX XXXX in XXXX, MN. Two fraudulent transactions were successfully made the evening of XX/XX/2023. One for {$3200.00} was made using my debit card and I'm working with my bank on resolution of it. 
The other one was for {$4200.00} made with my XXXX XXXX XXXX XXXX card. This is the one I'm filing a complaint about. XXXX XXXX XXXX not only reported this charge to the Credit Bureaus XXXX TransUnion, XXXX, and XXXX - prior to my account statement cycle closing ; in addition their authorized charge also put my account over the credit limit and has had a significant negative impact on my credit score. One of my bureau scores ( XXXX Score XXXX ) dropped XXXX points following XXXX reporting of this charge to the bureaus. I have made several calls to the XXXX XXXX XXXX Customer Service team to request they work with the bureaus to remove this information from my credit file. On XX/XX/2023, I received an update from XXXX XXXX XXXX ( XXXX ) with an assurance that the bureaus received a request from XXXX to remove the fraudulent information from my credit reports. I was told XXXX " obviously recognizes it's a XXXX error ''. I have no guarantees of how quickly this will be resolved. Their internal credit bureau reporting processes failed and they are at fault for reporting this fraudulent charge to the bureaus and it turn causing my credit score to lower substantially.
Product: Debt collection

I received a letter of debt validation from a company called XXXX XXXX in XXXX, i agreed to pay this creditor to not go on my credit for XXXX XXXX. I finished paying in XX/XX/XXXX. During the last 4 months PROCOLLECT started reaching out to me several times a day as to which on XX/XX/XXXX i asked for a debt validation letter because i had already paid the debt to a creditor who did validate and XXXX was paid in full. The started reporting the debt in XX/XX/XXXX. I've disputed all items and reached out on XXXX  through a complaint. Procollect is stating since the other company is not PROCOLLECT i would have to pay the balance AGAIN to them, which is not true and a scam tactic. They refused to remove this false information on debt that is paid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states : I hate the right to privacy.

15 USC 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may 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 by more than seven years.

15 USC 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.
Product: Debt collection

I received a letter stating I owed a past debt to PayPAl for {$130.00}.

# 1 ) We have never been contacted by Paypal of an open unpaid bill # 2 ) Our Paypal account is linked to a credit card so their can not be any open balance owed to PayPal.

# 3 ) We checked our Paypal account and it has a XXXX balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.
Product: Credit reporting or other personal consumer reports

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 Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my initial dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically referencing section 15 USC 1681i, the disputed accounts have been incorrectly verified as accurate.

According to section 15 USC 1681i ( 5 ) ( A ) of the FCRA, unverifiable information must be removed from the consumer 's credit report. I request immediate removal of the following inaccurate items 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 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 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 Status as Derogatory, differing from XXXX which reports Collection/Chargeoff. 
- Date Opened not reported, while XXXX XXXX XXXX 
- Date Reported not reported, while XXXX XXXX XXXX 
These discrepancies have been verified as accurate multiple times, violating FCRA 15 USC 1681i ( 5 ) ( A ). This is causing me financial harm. If not corrected, I will seek legal action. My lawyer, 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX {$260.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$290.00} Inquiries XXXX XXXX  XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes particularly highlighting, recent news with lawsuits about significant issues with the platform. Ive used Zelle numerous times and have reported issues with my financial institution in which they have failed to investigate, the claims adequately they informed me that recovering lost funds is impossible and tracking these transactions is unfeasible. CFPB found that Zelle has only neglected customers, but also has allowed repeat offenders to exploit the system and continue scamming numerous people. The lack of accountability is extremely. unacceptable and raises concerns for all consumer safety.
Product: Mortgage

The mortgage service company has been doing my annual escrow analysis incorrectly for the past two years ( XX/XX/XXXX and XX/XX/XXXX ). They do the analysis in XX/XX/XXXX, a month before my county and city taxes are posted on my county 's website. As a result, their numbers ( and dates ) are incorrect, leading to incorrect shortages, which translate to higher monthly payments. XX/XX/XXXX, it took several months to resolve this. It is now happening again XX/XX/XXXX. I received my escrow analysis dated XX/XX/XXXX and have been trying to resolve for over two months now, and it is still not correct. I have provided copies of both my county and city taxes with correct amounts and due dates, and I have still not received a printed revised escrow analysis to prove that they have made the changes and correctly recomputed my escrow payments. As a result, the incorrect monthly amount was due XX/XX/XXXX ( today is XX/XX/XXXX ), and I was forced to make a payment to avoid late charges although the issue has not been resolved. For the past month, I have been working exclusively with XXXX XXXX, a customer service rep, who is trying to help resolve this. He informed me ( for the first time ), that I could also request that the shortage be spread over 24 months instead of 12, so I submitted a request to have that done as part of the escrow re-analysis. I am still waiting for both of these changes to be incorporated into a revised escrow analysis, in writing, that proves they are using the correct tax amounts and the correct due dates. This is the most challenging mortgage servicing company I have ever dealt with ( I have owned XXXX properties serviced by multiple companies in the past 20 years ), and I do n't have time to go through this every year as I have for these past two years. Please help!
Product: Mortgage

I have been approved for HAF payment for my pass due mortgage payment and the. Mortgage company SWBC Mortgage continues to threaten foreclosure but HAF has been in touch with SWBC Mortgage so have I. They're are saying oh well we haven't received payment so we are going to move forward with loss mitigation foreclosure. I do not want to loose my home. HAF has told them I have been approved just has not sent the payment or something. My Company is threatening with taking my home. What can be done they already been told by HAF that I was approved. Just got off forbearance and were they wouldn't allow me to make payments to my mortgage and now still won't allow me to make payments to my current monthly payment which will cause the more problems. Is this legal???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX