23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my  credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via XXXX, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. Comenity bank is the issuer for my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, XXXX, XXXX, and Trans Union for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, XXXX, Trans Union, and XXXX. There is liability looming at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

Additionally, This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).
Product: Mortgage

XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.
Product: Vehicle loan or lease

Acura financial services was supposed to send my excess payment of total around {$640.00} I contacted them at least 8 times to resolve, always they say they will send it soon and nothing happens. I am working on it from XX/XX/XXXX to date.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes in light of the recent CFPB lawsuit indicating issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Such a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Whom

It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There
is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Sincerely XXXX XXXX
Product: Debt collection

Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONSUMER didn't open this loan fraud
Product: Mortgage

XXXX and XXXX are two of the most incompetent duo in the mortgage industry. they totally botched my loan and caused me to loose my property, Ernest money and my appraisal fee. the easiest part of doing a loan is supplying a customer with a preapproval letter, XXXX miscalculate my income and gave me a preapproval letter and for 4 months XXXX never checked behind him to verify that his work was accurate. so in the mean time im looking for properties and putting down Ernest money. when i found the property i wanted they had me pay for an appraisal and set up several closing dates with my realtor and attorney only to come back and say that due to there mistake and there error that we could not do the loan. i supplied them with all my financial information in the beginning, so there was no change in in my finances to warrant me not getting this loan other than there miscalculation and negligence. even after XXXX admitted to it being there error, he would not refund my appraisal fee or my earnest money. these are some shady and elusive characters, and i was suppose to by law receive a letter from them telling me why my loan was denied and i have never received that due to the fact that it was due to the negligence and they dont want that in writing
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

THERE IS ONLY ONE LATE PAYMENT ON MY CREDIT REPORT, LISTED AS DEROGATORY. IN 2019, I CLOSED MY ACCOUNT WITH XXXX XXXX  DUE TO A SUCCESSION OF FRAUDULENT ACTIVITY ON MY CARD WHICH DISCOVER TRACED TO XXXX AFTER CLOSING MY ACCOUNT, A CHARGE WAS ADDED TO THE CLOSED ACCOUNT ALTHOUGH NO GOODS OR SERVICES WERE EXCHANGED WITH THE VENDOR. I REFUSED TO PAY A CHARGE THAT WAS NOT MY OWN. XXXX REFUSED TO REMEDY, DECLARING THAT THE DISPUTE WAS BETWEEN MYSELF AND THE VENDOR. BECAUSE I REFUSED TO PAY A FRAUDULENT CHARGE, XXXX APPLIED A CHARGE-OFF ON MY ACCOUNT, AND THE NET EFFECT IS AN ARTIFICIALLY LOWER FICO SCORE. 

I CONTACTED TRANSUNION TO REMEDY MY CREDIT REPORT, BUT APPARENTLY THEY SIDED WITH XXXX. 

COMMON SENSE DICTATES THAT IF I HAVE NEVER MISSED A PAYMENT ON A ANY LOAN I ASSUMED OR OTHER CREDIT ACCOUNTS ( MANY OF WHICH ARE PAID OFF COMPLETELY ), THERE MUST BE A REASON FOR WHY I AM NOT PAYING XXXX. AGAIN, I REFUSE TO PAY FOR A CHARGE THAT DELIVERED NO GOODS OR SERVICES.
Product: Mortgage

I refinanced and payed of the loan on XX/XX/XXXX, Loancare customer serviced showed a XXXX  balance on that date. On XX/XX/XXXX they took out a payment of XXXX. I called that day asking why and when do get my money back, they said it would take 10 to 15 business day to get it all back. I call on XX/XX/XXXX and they told me the escrow check was mailed on XX/XX/XXXX but not any overpayment. The said they are checking on it and would contact me. I call a few minutes later and they told me an account was set up and it would take 24 to 48 hours to process and I ask for an overnight check because of their error which XXXX admitted they made but she would not promise me it would happen that way. This totally unacceptable. They took this money on a closed account. They should not be able to do this anytime especially during this stressful time. Im complaining not only for myself but all Veterans.
Product: Debt collection

Company is trying to collect debt that is not mine. I have never had any business with this company or any services. They have refused to provide a service contract to validate the claim of me owing them and it has been two years and they still have yet to provide any documentation. I reached out to credit bureaus for assistance with disputing this and they have not removed the information no matter how many times I have disputed the information. As an identity theft victim it has been so hard to get the corporation of the credit bureaus and organizations to help me recover my information and clean up these inaccuracies.
Product: Credit reporting or other personal consumer reports

To whom it may concern, this is a formal complaint that XXXX is in violation of XXXX section 1681i ( A ) ( 1 ) ( a ). 
On XX/XX/2023 I sent XXXX XXXX a dispute dispute with the accuracy of XXXX XXXX. I have several accounts reporting in accurate information and XXXX of those accounts are duplicate XXXX loan accounts therefore they are reporting inaccurate and incorrectly., I was in disagreement with the outcome of a investigation on my XXXX credit services account # XXXX and I requested this company to investigate this plight to which they did not comply and as doing such they knowingly violated my rights. this inaccuracies and incorrect information is damaging my reputation and I am been denied funding and other opportunities because of this
Product: Debt collection

XXXX XXXX  LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX  and should be blocked immediately. 

Accounts to be Blocked : 1. World Finance Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX documentation ( from a federal, state, local, or tribal governmental entity )
Product: Mortgage

I have been paying my mortgage payments on time yet I received a letter stating I missed 2 mortgage payments!!! I have proof that I paid for both XXXX and XXXX and XXXX, XXXX dollars to escrow because I am FORCED to have escrow even though I have been paying taxes separately for 25 years. XXXX payment was posted 1 day later on XX/XX/year> and I got punished now Wells Fargo is XXXX XXXXith me! They are horrible. Unfortunately, my loan was sold to this terrible bank! I would never want to be their client. They have horrible customer service. They messed up my payments and now they try to XXXX with me. If they do not fix their mess, I will sue them for negligence and breach of contract. I hope this bank will disappear from the market.
Product: Student loan

Hello, I am desperately trying to clear up student loan issues with Navient. They have me taking out loans at XXXX XXXX XXXX, where I have NEVER taken courses from. There are 4 loans in the following amounts paid to XXXX XXXX XXXX. in my name : 1 ) {$11000.00} 2 ) XXXX 3 ) {$17000.00} 4 ) {$30000.00} My credit score has been very affected by this and I'm trying so hard to be able to get my official student loans in a place where I can manage paying them back. 
Also, in 2012, ten years ago, I submitted all of my Teacher  Loan Forgiveness signed forms and have been fighting ever since them to get the releif from my years of teaching service in very low performing schools. 
Currently, I am working in a very low performing school in XXXX Public Schools as a XXXX XXXX. XXXX, trying to organize a way to pay back my loans and with the hopes of getting a portion of them forgiven, however, all of the above loans are to a Univ. that I have NEVER attended. I would appreciate it if you could please investigate this and help me to resolve this matter. I have nothing from this Univ. on my transcripts and can request them to be sent to you if needed. 
Please contact me and help me to resolve this issue please! 
Thank you, XXXX XXXX Former Names ( XXXX XXXX, XXXX and XXXX ) SS ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.I am requesting that XXXX XXXX ( MCM ) verify there method of verification. MCM  reported to CFPB on XX/XX/XXXX. That the account furnishing to the three major credit reporting agencies is accurate. I reviewed my credit report dated XX/XX/XXXX ( enclosure ). MCM is reporting inaccurate information. The credit report states in the credit history before the dispute and after the dispute that the original amount of the account was {$3000.00}. This is a continued violation of MCM. MCM gave false information to the credit reporting companies. MCM called my home on XX/XX/XXXX when they was instructed not to call my home in writing ( certified ). I was told that the account will be deleted since it is old if I pay half of the account. I asked for it to be in writing. I countered with {$100.00} for deletion since I am on a fixed income and a XXXX veteran. I am not agreeing that I owe this account. I want this inaccuracy to be resolved. MCM  disagreed with my counter. MCM raised the credit history reported {$3000.00} original credit amount and lowered my available credit percentage. 
I am requesting that MCM verify the {$3000.00} credit history or delete the account with all major credit bureaus. MCM has a pattern of behavior of violations that has become a premeditated organized deceit in order to pressure me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information XXXX XXXX XXXX of {$5500.00} from XXXXXXXX XXXX  XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.
Product: Vehicle loan or lease

I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response