23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed a rental collection from Mutual Management Services for {$6400.00}. I formally requested validation under the FDCPA on XX/XX/XXXX, including itemized invoices, receipts, a move-out inspection report, and contractor estimates. They failed to provide this information. Instead, they sent a general breakdown of charges with no proof of actual repairs or expenses. 

Additionally, the collector falsely stated that the debt had not been reported to credit bureaus, which was untrue it was reported to XXXX as early as XX/XX/XXXX. Despite their lack of validation, XXXX verified the debt and continues reporting it. 

The charges include inflated amounts such as a {$3700.00} full plank replacement and {$530.00} painting fee, without sufficient evidence, even though some issues were pre-existing or normal wear and tear. This appears to be a violation of FDCPA and FCRA. 

I am requesting CFPB assistance in having this debt removed from my credit report and holding the agency accountable for deceptive and unfair practices.
Product: Debt collection

this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires accurate reporting. The account XXXX opened date is different on all three bureaus. The account shows a charged off amount and amount due, which is illegal. The payment history is inconsistently reported as well. The high credit amount is reported differently to all bureaus. The amount due is reported inaccurately and inconsistently. Activity dates are also not reported consistently. Account status is not accurate with all 3 bureaus. Account comments are inconsistent and inaccurate.
Product: Credit reporting or other personal consumer reports

" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting this complaint regarding XXXX XXXX inaccurate reporting of late payments on my credit report, despite my efforts to settle my account in full. 

On XX/XX/year>, my wife made a payment of {$320.00}. I followed up with an additional payment of {$350.00} on XX/XX/year>, to ensure the account was fully paid off. When I called XXXX XXXX, a representative confirmed that my balance was XXXX and assured me that everything was up to date. 

In the months following, I contacted XXXX XXXX an additional 3-4 times to verify my account status and was consistently informed that my balance remained clear. However, two months later, I received an unexpected invoice from XXXX XXXX stating that I owed additional funds, despite my prior payments and their repeated confirmation of a XXXX balance. 

Without any further noticeno calls, emails, or correspondenceXXXX XXXX began reporting negative information on my credit report, which has significantly damaged my credit score. I believe this balance was due to their error, as they failed to disclose any remaining balance at the time of my payments or during my follow-up calls. Had I been informed, I would have immediately resolved it to avoid this impact. 


Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have tried twice now to enroll in Auto-Pay with ED Financial , my student loan servicer. I just submitted a third request today. While I caught the fact that the auto-pay didnt process in time for the first two payments to be made manually, I missed the XXXX payment deadline because I was relying on the auto-pay function. I also have not received the interest rate reduction associated with the auto-pay function. 

The chat help box simply informs me to enroll again.
Product: Credit card

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

COMENITYCAPITAL/ ULTA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C.

1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Checking or savings account

I sent a wire transfer to be credited on my FTX.US account on XX/XX/2022 and the bank that works with FTX.US still has not credited me my XXXX XXXX  ( see attached pdf )
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

Account name : Columbia Debt Recovery 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.
Product: Payday loan, title loan, or personal loan

My small business was granted a XXXX XXXX through Bank of the West. The XXXX granted partial forgiveness on the loan on XX/XX/2021 at which point the loan was converted to a Commercial Loan. 
On XX/XX/2021 I requested a payoff letter through the branch manager at Bank of the West XXXX to pay off the unforgiven portion of the loan. 
On XX/XX/2021 I went to the XXXX Bank of the West office, met with the branch manager, and paid off the loan in full using the information from the payoff letter he provided. 
In the seven months since paying off the loan I have tried repeatedly to obtain paperwork showing that the loan has been closed. I contacted the Commercial Loan department, who said I must contact the XXXX group through email. I contacted the XXXX group who indicated the loan had been converted to a Commercial Loan so they could not help me. They referred me to my Relationship Manager at my bank. I contacted the branch manager who after two months has been unable to produce documentation that the loan is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A ( 2 ) States a consumer reporting agency can not furnish an account without me written instructions 15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt After getting a print out of my credit report I started doing research on what laws I have as a consumer and based on the FCRA laws I have been violated. 
I get calls daily from XXXX XXXX and I receive a whole mailbox full of mail. 
I get calls from XXXX XXXX as well, almost daily! When I receive the calls I can barely even understand what they are saying. The mail has been seen by my neighbors and it is embarrassing.
Product: Debt collection

This is with American Express in the amount of {$1300.00}. I paid it in full on XX/XX/2019 
I sent credit bureaus proof the it was paid off. American express is not removing as outstanding on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
XXXX XXXX and XXXX XXXX XXXX reporting XX/XX/2019 Mortgage payment reported late to Experian prior to their grace period ( after XXXX ) for late reporting of our Mortgage payment to Experian as of XXXX XXXX. Also have not received credit for XX/XX/2019 Mortgage payment of $ XXXX statement indicate consider late after XXXX of month Request restore 32 points decrease credit score.
Product: Credit reporting or other personal consumer reports

The company failed to provide validation of debt as requested. In addition the status is shown as charged off. I have not received a 1099C which is required by law.
Product: Debt collection

XXXX XXXX : XXXX billed the wrong insurance company ( XXXX XXXXXXXX ) for my XX/XX/2021 visit. XXXX XXXX  denied the bill because I was no loner insured by them. I am insured by XXXX. I have gone to quest several times since my XX/XX/2021 visit and they have correctly billed my XXXX insurance. They wrongfully sent my bill to a collections agency called Radius Global. 

RADIUS GLOBAL SOLUTIONS LLC : I originally disputed the validity of the debt because it was billed to the wrong insurance company. Since, the original dispute. I have sent several emails with proof of my correct insurance, proof of coverage etc. However, Radius global is still contacting me saying that XXXX says I am still responsible for the bill. My correct insurance has STILL never been billed.
Product: Checking or savings account

There are multiple charges in the thousands that were taken from my account but not me and theyve denied the claim. 

XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$140.00}
Product: Checking or savings account

In XX/XX/XXXX, I reviewed my bank statement online and saw that I had overdraft fees. I called the online customer number to remind them that I never opt-in to have overdraft fees. In the past, I had experienced large accumulation of fees and it had affected my account balance. I was told to not worry about it. 

During the period of XX/XX/XXXX to XX/XX/XXXX, I was unemployed and without a job contract. 
At that time, my account started to accumulate enormous overdraft fees. Again, in XX/XX/XXXX, I contacted the US Bank customer service line to remove the overdraft protection. I had asked to leave my account without the overdraft protection due to the fact that the overdraft fees prevented my scheduled transactions to be withdrawn. By the time the funds arrived in my account, the overdraft fees would take {$72.00} to XXXX $ out of my limit income. I had spoken to the manager about my situation and was informed by XX/XX/XXXX that my overdraft fees were more than {$400.00}. Then by XX/XX/XXXX, I was waiting for my pay and I informed the US BANK manager on XXXX XXXX XXXX XXXX, CA XXXX and she informed me told that my payroll would be too late because I owed more than {$1000.00} in fees. My account was closed by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, Collection Support Services, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/XXXX but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and US Bank needed to make this decision. I asked her to forward my request to US BANK but she refused. I contacted the collections department at US Bank and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help.
Product: Checking or savings account

The merchant has respond twice to claim # XXXX stating that the charges on the account were accurate for the following reasons : -Funds were deposited into the account days before my card was stolen -All of the available funds were not exhausted out of the account -There were no more purchase attempts made after the card was reported stolen. 

In result, it is the consumer 's responsibility for damages. 

Bank of America has failed to do a thorough investigation for illegal and fraudulent charges on my business account. It is completely ridiculous and unfair to conclude that is the consumer 's responsibility because all of the funds weren't exhausted from the account. This is illegal. Under the Federal Consumer Protection Act, my money is supposed to be insured and protected against all fraudulent activity. 

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

I am writing you to express my frustrations with Zelle in light of the CFPB lawsuit specially in the handling of the significant and ongoing issues with the Zelle. Furthermore Zelle and my XX/XX/XXXX XX/XX/XXXXfailed to investigate and provide adequate information to come to a resolve. The CFPB has shown Zelle has neglected to protect consumers using their platform and allowed offenders to exploit their platform.
Product: Money transfer, virtual currency, or money service

I am trying to close my Paypal account, which I've had open for several. They refuse to do so. I do NOT owe them a balance. Since I do NOT owe them a balance, I have EVERY right to close my account at any time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX unauthorized hard inquiries on my XXXX credit report. The inquiries were from : AMEX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> I did not authorize or consent to any credit applications or transactions with these entities that would warrant a hard inquiry on these dates. I have contacted each of the companies to request a removal of the inquiries, but I have not received a satisfactory resolution. These inquiries have negatively impacted my credit score, and I am requesting that the Consumer Financial Protection Bureau assist in addressing this matter and facilitate the removal of these unauthorized inquiries from my credit report. I have contacted XXXX and they have not validated or given me any proof of my authorization. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I once again express gratitude for your ongoing efforts to address certain fraudulent entries in my file stemming from alleged identity theft. However, there remain items that necessitate removal. This constitutes my fourth complaint and serves as a follow-up to my prior grievance dated XX/XX/XXXX. As a victim of identity theft, I am submitting a dispute for the residual fraudulent items in my file. Reiteratively, the items under dispute bear no association with any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Kindly expunge the reporting of these items from my credit file, as they are unfamiliar to me. Furthermore, the data pertaining to these items has been expunged from other bureaus, raising doubts about their accuracy and reported payment history in my file. For your reference, I have attached my FTC Report # XXXX. Outlined below are the outstanding items that require removal from each bureau : -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}