23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX XXXX I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX concrete XXXX  XXXX. XXXX, XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX  if you fail to comply with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX 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 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 situation 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 CFPBs findings indicate that Zell has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, or personal loan

I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX  with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.
Product: Credit reporting

I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you
Product: Student loan

The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX  XXXX XXXX {$430.00} XXXX XXXXXXXX XXXX {$130.00} XXXX {$71.00} XXXX {$140.00} XXXX {$150.00} XXXX {$150.00} XXXX {$210.00} XXXX {$65.00} XXXX {$150.00} XXXX {$150.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$3200.00} ACCORDING TO : 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was contacted by states recovery system, on behalf of XXXX XXXX for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept XXXX XXXX informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within XXXX days of the collection account being sent to states recovery it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and XXXX XXXX reported that the account had been closed with a balance and sent to collections, so I followed up with States recovery system and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to XXXXXXXX XXXX credit reporting department and spoke with a XXXX named XXXX and she advised me that they dont have the information from states recovery system at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention multiple inaccuracies on my credit report concerning several XXXX accounts. These accounts are duplicated, and many are reporting incorrect information, which violates federal law. I demand that these erroneous accounts be deleted immediately from my credit report. 

Please note that XXXX has already removed these inaccurate accounts, recognizing the errors in reporting. I expect XXXX to take the same prompt action. 

Here are a few specific inaccuracies I have identified : XXXX, account number XXXX, amount $ XXXX TransUnion : Opening date of XX/XX/year>, reporting 120 months XXXX : XXXX date of XX/XX/year>, reporting 0 months XXXX, account number XXXX, amount $ XXXX TransUnion : Opening date of XX/XX/year>, reporting 120 months XXXX : Opening date XXXX XX/XX/year>, reporting 0 months XXXX, account number XXXX, amount $ XXXX TransUnion : Opening date of XX/XX/year>, reporting 120 months XXXX : Opening date of XX/XX/year> XXXX reporting 0 months XXXX, account number XXXX, amount $ XXXX TransUnion : Opening date of XX/XX/year>, reporting 120 months XXXX : Opening date of XX/XX/year>, reporting 0 months These discrepancies clearly demonstrate inaccurate reporting. According to the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to report only accurate and verifiable information. Any inaccurate information must be corrected or deleted within 30 days of being disputed. 
Since these inaccuracies violate the FCRA, I am requesting that these duplicate and erroneous accounts be removed from my credit report immediately. Failure to do so will leave me with no choice but to pursue legal action to protect my rights. 
I expect your swift response and confirmation of the deletion of these inaccurate accounts.
Product: Consumer Loan

I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct. 

In accordance with the fair credit reporting act convergent accounts below listed has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name -XXXX  account numberXXXX Account name - XXXX XXXX  Account number XXXX Account name XXXX Account numberXXXX Account name XXXX XXXX XXXX Account numberXXXX Account name-XXXX  Account number XXXX Account name-XXXX XXXXXXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX  Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number XXXX
Product: Debt collection

The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.
Product: Credit reporting or other personal consumer reports

Please delete the following inquires : XXXXXXXX XXXX XXXX XXXX  ) and XXXX ) I signed up for alerts with Transunion and was immediately notified. Please delete as they were not performed by me.
Product: Debt collection

On XXXX @ XXXX XXXX, I contacted Professional Credit Services. I spoke to XXXX and XXXX that day. I communicated that I wished to make payment of {$760.00} which is what all three credit bureaus show I owe even though I believe this debt is not valid. I was told I owe {$3800.00} and they would only agree to a settlement of {$1800.00}. I declined this as a resolution since the amount they claim I owe is different from whats being reported on my credit reports from XXXX, XXXX, and XXXX. I paid cash for my visit to this hospital and believe this is an error in billing but was willing to pay the {$760.00} because the collection is causing me financial harm. 

On XXXX at XXXX XXXX, I called Professional Credit Services and once again I asked for XXXX and was then directed to a gentleman whom I'm sorry I don't have his name. They had supplied me with the ref their end of XXXX. This was a drawn-out conversation as once again the whole subject was discussed and that's when I was told the {$1800.00} was now incorrect and that there was no way anything would be reduced and I owed {$3800.00}. Now, theyve changed the amount twice each time Ive called and the credit bureaus are still reporting that I owe {$760.00}. Again, I believe this collection is a mistake to begin with but was willing to pay what the credit reports showed I owe because it was causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX XXXX
Product: Debt collection

Dear Sir or Madam : On XX/XX/2021, I notified Calvary Portfolio Services in writing that this debt be Exemption, Due to Hardship. They refused to cooperate or consider, or verify. 
Calvary Portfolio services refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Calvary Portfolio Services under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Product: Mortgage

Our current loan is with BSI Financial, it was sold to them from XXXX in XXXX if XXXX. In XX/XX/XXXX we received our regular statement from XXXX saying our next payment was due on the original date of XX/XX/XXXX for {$1300.00} which is our regular monthly payment amount. On XX/XX/XXXX we recieved a notice through the online portal that we were behind on XX/XX/XXXX 's payment. I did not see this notice because I didn't expect to be getting XXXX so I didn't look on the portal. On XX/XX/XXXX I received an Early Intervention letter stating we were {$6800.00} delinquent on our account. I immediately called BSI to figure out what was going on and was told they could see where it was paid but wasn't sure where the money went just that it happened on XX/XX/XXXX. I was also told it would be sent to a supervisor for an official investigation. Over the next few weeks I contacted BSI multiple times in hopes of a resolution but was continually told it was being looked at by a supervisor. I was also told to send in my statements and bank records showing it was paid and someone would get back to me in 7-10 business days. I emailed all of my statements and documents showing I was paid up and have received no response. It has been over a month since their investigation started and I have yet to be able to speak with a supervisor. The supervisor 's voice-mail box picks up everytime I call. I have continued to make my payment when it is due since this started. My next payment is due XX/XX/XXXX and we have racked up over {$110.00} in late fees even though our payments are not late. Yesterday we received a certified letter stating we were in the stages of early foreclosure. We have not missed a single payment on our mortgage and we have proof of every payment being made.