23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the following account with Automated Collection Services , Inc. ( ACSI ) ( Account number : XXXX ). This has been an ongoing issue. Years back, the original creditor had confirmed that this debt does not belong to me, and removed the account from my credit report. I am not sure what happened, but later on when they sold the account, it popped back up on my credit report. I am assuming that the original creditor did not disassociate my personal information with someone that had the same name as I do, or whatever the case was. This account does not belong to me! Please see the attached document, which is a letter that I wrote to the company, as well as my XXXX credit report. It has been significantly more 30 days since I began my dispute with XXXX, and they have not updated the dispute status. It still reflects " account information disputed by customer ''. To this day, I do not see any resolution comments. Furthermore, I also have no idea why this item is reporting as an " open account '' when it is a collection! Please have ACSI remove this account immediately, and permanently.
Product: Debt collection

Franklin Collection Services A representative of this company called a line that is not registered to my name or my spouse 's name. This was a family member 's phone number. We have never used that phone number for any of our contact information. The representative then failed to verify their identity via social security number as they did later when I called back. 

They then released all the information about the details about the debt to that family member. 

I was made aware of this today, XX/XX/2020, and I called Franklin Collection Services. I spoke with a supervisor who said they are not required to verify identity further than confirming their name. The supervisor said she would investigate the phone calls and listen to the specifics. I told them they had in fact released the information to a third party. I informed them I would file a complaint and contact an attorney about this breach of information. 

Harassing a family member and continually calling a line not associated with neither I or my spouse. 

Releasing personal financial information to a third party Failing to see anything wrong with the mistake.
Product: Credit reporting or other personal consumer reports

I ordered my XXXX XXXX report after being alerted to do so because my personal information was included in a data breach. After receiving my XXXX XXXX report I noticed information that was inaccurate including a bankruptcy. I decided to freeze my XXXX XXXX report to prevent the misinformation to be used for fraud. I then disputed this information with the XXXX credit reporting agencies, XXXX, XXXX and Trans Union which included the bankruptcy. XXXX deleted the information as they could not verify it however, XXXX and Trans Union did not. I followed up with XXXX and Trans Union asking how they verified the inaccurate info associated with the bankruptcy. Trans Union responded they get the info from the XXXX XXXX and XXXX said they get the info from XXXX XXXX. I then contacted the Federal Courts and they sent me a letter stating they DO NOT share any information with the credit reporting agencies. I then contacted XXXX XXXX and they said they CAN NOT Share any information with XXXX since my file was frozen. I then sent letters to both Trans Union and XXXX wanting documented proof of how they are verifying the misinformation they're reporting concerning the bankruptcy. Instead of sending me proof they sent me letters stating that they are not going to investigate or provide the information to me because I'm not authorized or they believe my request was sent by a third party who was not authorized. I have received these same letters from Trans Union and XXXX before when they don't want to investigate or admit they are violating my rights by reporting inaccurate information. So, they're refusing to send me documentation that shows how they are verifying the inaccurate bankruptcy on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I purchased a flight XXXX in late XXXX of XXXX. The amount of my ticket was {$250.00} taxes and fees were {$47.00} and I also purchased cancelation insurance for {$21.00}. The total amount of my purchase was {$320.00}. There were no additional fees such as baggages or carry on fees. I received my credit card statement from Macy 's XXXX XXXX in late XXXX. My statement shows 2 separate transactions both from XXXX. One for {$370.00} and the 2nd charge was for {$21.00} that is a total of {$390.00}. A difference results in an OVERCHARGE of {$75.00}. My credit card statement should have only been {$320.00} in lieu of {$390.00}. I proceeded to contact us XXXX when I was aware of the era sometime in mid XXXX And I was told by the customer service representative that their records only show that my credit card was charged {$320.00}. They advised me to contact my credit card issuer and discuss and resolve the complaint with them. After going back-and-forth with XXXX a few times I finally contacted Macy 's and advise them of my dispute. I faxed over a copy of my itinerary which shows an itemized list of all of the charges from XXXX. The Macy 's  customer service rep advice be that it would take 1 or 2 billing cycles and that they would notified me of the final outcome. However, I received a mail from Macy 's XXXX XXXX stating that the dispute was unfounded. I contact Macy 's XXXX XXXX once again and talk with another customer service rep who went over the supporting documents and found the undeniable billing error. He opened a 2nd dispute claim and proceeded to place me on hold to discuss the matter with his supervisor, who in turn told me that I would receive a credit in 2 different transaction on my statement. One would be for {$21.00} the 2nd credit would be removing the {$370.00} that was in error and replacing the charge with the correct amount of {$320.00} and issue a credit for the difference which is {$54.00}. Complete credits issued would total the {$75.00} discrepancy. The customer service rep apologize for having to call so many times and the matter still not be resolved and he promised and assured me that it was taken care of and it will take 1 or 2 billing cycles before the credit hit my next statement. However, I received yet another letter in the mail from Macy 's XXXX XXXX stating, " due to the length of time that has elasped since this charge was first billed, we no longer have recourse to obtain credit for this charge. '' They have been closed for over 2 mths due to covid19 and I unable to reach them. I did reach out to XXXX again XX/XX/XXXX and spoke with supervisor XXXX. He informed me they NEVER recvd dispute from Macy 's and amount they charged my credit card is {$320.00} per their records. Remember, I opened 2 diff disputes with macy with 2 diff claim numbers. Macy 's however removed the interest for the disputed ant on my XXXX stmt but not {$75.00} credit.
Product: Checking or savings account

I had a amount on my balance and citi bank declined to give me back the amount in check form
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX
Product: Mortgage

On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. 

On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. 

I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. 

It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. 

XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.
Product: Mortgage

Dear Sir/Madam Good morning The CHASE refused to waive my Equity Line monthly payment due Coronavirus as President Trump determined. 
They are not cooperating. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit card

I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you.
Product: Credit reporting

Lates were reported on my credit report for XXXX XXXX. The lates were XX/XX/XXXX-XX/XX/2010
Product: Mortgage

To my dismay, underwriting keeps requesting business returns to verify income however, since the borrower is 100 % owner the business, income is reported on Schedule C of the personal tax returns. Underwriting refused to further review the account without business returns or they will not include any income in their calculations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my Equifax credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that Equifax immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within XXXX calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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: Checking or savings account

Today XX/XX/08, during a XXXX minute phone call regarding the same account I filed a complaint on earlier in the week, I authorized a BofA call agent to withdraw {$50.00} from my checking account to apply to acct XXXX she instead applied the funds to acct XXXX jeopardizing the status of both accounts. During this call I did receive notice that the previous cfpb complaint had been resolved in my favor. The call today was another case of BofA calling me to claim they had ways to help me resolve my debt when in fact they had no intention of doing so. The length of the call certainly reaches the threshold of harassment. Along with deceptive practice of claiming they have ways to " help '' and then refusing to do so again and again. On this particular call the rep repeatedly put me on hold and then came back every minute or so saying she was still there working with a colleague. This amounted to the bulk of the call, and the funds transfer had happened prior to the on and off hold. They had to have seen that the payment I authorized was credited to the incorrect account. I am receiving special care for XXXX, XXXX XXXX of XXXX  electronically monitors my XXXX XXXX, and of course this level of harassment is not helpful.
Product: Credit card

I have Identity fraud. I am being contacted by XXXX XXXX for account that was fraududlently opened using my information. I have filed a police report and they continue to contact me demanding a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to TransUnion consumer services provided illegally activities refund my money due illegally activities I was told my membership was cancelled an I was supposed recovery my refund never received it an people working for TransUnion work from home fraudulent activity request were my refund at my unpaid service that been cancelled
Product: Credit reporting or other personal consumer reports

Transunion is reporting inquiries that are FRAUD on my report, I have a fraud alert on my credit report, that they should contact me before runing credit and they never do .... It is from XXXX XXXX on XXXX It is not me ......
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 financial 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 also allowed repeat offenders to exploit the, leaving user 's vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Columbia debt recovery is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX, Florida. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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. If the person knows or has responsible costs to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : XXXX XXXX XXXX failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or XXXX XXXX XXXX, as required by law. 

Impact of the Violation This accounts unauthorized and inaccurate reporting has significantly harmed my creditworthiness, resulting in a lower credit score and negatively affecting my ability to access credit and financial opportunities.
Product: Credit card

Synchrony has closed my account while there are still rewards remaining. They are refusing to return these rewards to me and have indicated that they will be forfeited. I believe this treatment is unfair as I did not agreed to account closure.
Product: Student loan

Back in XX/XX/2020, I signed up to be the co-signer for a student loan for my daughters. It so happens that the loan was processed with my name as the student instead of the co-signer. I have tried and complaint with Nelnet to fix this issue and they refuse to contact me. My calls and complaints have gone unanswered and this is affecting my ability to borrow or get credit.
Product: Credit card

I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-