23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is advisable that the collection agency assure that their records are in order before I am forced to take legal action. 
1. Agreement with the collection agency and the original creditor that grants the authority to collect on the alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/ she agreed to pay the original creditor 3. Any insurance claims made by the original creditor regarding the account in question 4. Any judgment obtained by the original creditor regarding the account in question 5. Any name and address of the alleged original creditor.

6. Name on the file of the alleged debtor 7. Alleged account number 8. Address on file of the alleged debtor 9. Amount of the alleged debt 10. Date that the alleged debt became payable 11. Date of the original charge off or delinquency 12. Verification that the debt was assigned or sold to the collection agency 13. Complete accounting of the alleged debt.

14. Commission for the collection agency if collection efforts are successful.

Please provide the name and address of the bonding agent for the collection agency in case legal action become necessary. The collection agency can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practice Act
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found multiple accounts that werent opened by me. This is hurting me during the process of purchasing a home for mg family. Please delete these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting

on both of my credit reports XXXX XXXX and Equifax is showing bankruptcy even though I dismissed that bankruptcy that the lawyer was misleading me into, and I settled the case with XXXX regarding my line of credit.Bankrupcy is dismissed and it is showing as active on my credit reports.Can it be corrected please?
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, are not mine Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE Account Number : XXXX This is not mine. 
dentity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( XXXX Equifax XXXX ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX New XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 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.
Product: Vehicle loan or lease

Im writing to dispute a fraudulent account opened in my name without my authorization. 
My personal information was stolen and used to create this account, and I am not responsible for any associated transactions. I request that the account be closed immediately, all related transactions be reversed, and my credit report updated to reflect these changes. I have filed a report with the FTC and placed a fraud alert with the credit bureaus. Please address this matter urgently. Thank you for
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I originally mailed the complaint on XX/XX/2024, via regular mail, but it was reported as not received. Subsequently, on XX/XX/2024, I uploaded the relevant information in color through the Experian Document Upload Service at XXXX XXXX XXXX 

On XX/XX/2024, I checked to confirm whether the company had received the Federal Trade Commission report. An Experian representative informed me that items uploaded in color are not accepted in their system, despite no such warning being provided during submission. Consequently, I resubmitted my dispute in black and white to ensure the information would be accepted. 

On XX/XX/2024, I called to verify receipt of my information. The first representative confirmed that it had been received and transferred me to the fraud department. However, once transferred, I was informed that the Federal Trade Commission report had not been received. Today marks the third day since I uploaded this information. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft, no later than four business days after receiving : Appropriate proof of the consumer 's identity ; A copy of the identity theft report ; Identification of the information by the consumer ; and A statement from the consumer indicating that the information does not relate to any transaction.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my finiancial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB1 Collections is reporting an account on my credit file that I do not owe. I knew nothing about this debt until I recently checked my credit report and noticed this debt. This debt should have never gone to collections and I don't know why it's reporting but it needs to be removed off my credit.
Product: Mortgage

I want my lander to remove PMI from my mortgage, I already sent a written request to the lander but they dined.
Product: Mortgage

Shellpoint Mortgaging Service tried to force a foreclosure on my home by failing to properly communicate to their foreclosure attorney that my account was being transferred to a new company. Instead, Shellpoint informed their attorney to proceed with a foreclosure sale, and now there is a foreclosure date set on my home that their attorney does not have the authority to cancel because Shellpoint no longer owns my loan and he no longer has access to my files. 

My Approval to Participate with Shellpoint expired on XX/XX/XXXX, so in XX/XX/XXXX, I began the deed- in- lieu of foreclosure process with XXXX XXXX at Shellpoint Mortgage Servicing XXXX 

On XX/XX/XXXX, I was served with a XXXX notice from the sheriff 's office with a foreclosure sale date XX/XX/XXXX, and informed XXXX XXXX. XXXX XXXX then informed me that the foreclosure sale date was put on hold due to my account being in loss mitigation. 

Between XX/XX/XXXX and XX/XX/XXXX, I worked with XXXX XXXX to send in the necessary documents to obtain title information from my XXXX. On XX/XX/XXXX I was updated by XXXX XXXX that I was still in the deed-in-lieu process, and that Shellpoint 's title company was awaiting communication from my HOA. 

On XX/XX/XXXX, I was informed by GMFS/Shellpoint that my loan would be transferred to a new servicer XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, and asked XXXX XXXX how this would affect my deed-in-lieu of foreclosure process, to which she replied that she would continue to work the case and the new servicer would continue where she left off once the files were transferred. 

On XX/XX/XXXX I received another notice from the sheriff 's office of a XXXX sale set for XX/XX/XXXX. Also on XX/XX/XXXX, I reached out to XXXX XXXX and to Shellpoint 's attorney XXXX XXXX XXXX to inquire about why I am still receiving XXXX notices while I am loss mitigation. XXXX XXXX informed me that XXXX XXXX XXXX was aware to continue to put foreclosure sales on hold while I am in the deed-in-lieu process, however, XXXX XXXX at XXXX XXXX XXXX informed me that on XX/XX/XXXX, Shellpoint informed his firm to proceed with a foreclosure sale, even though I was still in the process of deed-in-lieu. He said that he was awaiting communication from Shellpoint through their communication portal, but was unsuccessful. 

On XX/XX/XXXX, I contacted XXXX XXXX to inform him that the reason he was unsuccessful in getting communication from Shellpoint was because my account had been transferred to a new servicer. XXXX then informed me that he can no longer cancel the foreclosure sale date on my home with the Sheriff 's office because he no longer has access or authority over my files, since they have been transferred to XXXX XXXX XXXX. XXXX XXXX also informed me that Shellpoint did not transfer my file to XXXX until XXXX XXXX, XXXX, even though my loan was transferred one week prior. 

On XXXX XXXX XXXXXXXX, I also spoke with XXXX to work on communicating with my Sheriff 's office so that the foreclosure sale date can be canceled on my home since I am still in the deed-in-lieu process, as I was no longer able to communicate with Shellpoint Mortgage.
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/2018 email : XXXX Attention XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : XXXX XXXX Paypal Credit balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/2018, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/2018. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX Enc : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted BHFC FINANCIAL SERVICES concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. BHFC FINANCIAL SERVICES has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pull a hard inquiry when I did not get approved for the car I wanted. Yet it is still on my credit report. This is stopping me from applying and getting approved for an apartment.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 3 Credit Bureaus XXXX, Equifax and XXXX stated that the {$65000.00} was the correct amount on my credit report however it was paid in full on XX/XX/2023. I need this paid in full letter corrected on my credit report because I m trying to land a major goverrment contract position which requires a full financial disclosure. Please investigate and authorize the 3 credit bureaus to correct my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

My Robinhood account was restricted randomly today and now Im not able to access my funds that are associated with that account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Notes : FTC Report Cease and Desist Dispute Letter Police Report Spoke to charge of department - Name of Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Loan Amount : XXXX - Notes : There is 2 collection agencies on the report ( Credit Dispute Resolution Team ) - 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. Cease from collecting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notes : Disputed Fraud. 
Cease and desist put in XXXX  Names of Agents : - XXXX XXXX XXXX - XXXX - XXXX - XXXX XXXX ( credit dispute XXXX. Great American Finance Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notes : Send FTC Report Cease and Desist has been put in Name of Agent : 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
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX Account XXXX : XXXX, XXXX. Why are there multiple account numbers? In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. You are also reporting multiple errors and inaccuracies across all bureaus why? should all information match and be 100 % accurate under the FCRA? so you are in violation and I demand this account be delete immediately for violating my consumer rights! under 15 USC 1681n Civil Liability I demand monetary relief! if you are doing this to me you are doing this to multiple consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full