23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally had a high-interest personal loan with XXXX XXXX, and, after repeated attempts to get XXXX to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to National Credit Adjusters.
I received multiple calls from National Credit Adjusters and on XXXX XXXX, 2017, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box.
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XXXX has since ( i.e., XXXX XXXX, 2017 ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, 2017 at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, 2017, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, 2017, at XXXX XXXX and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations.
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The specific information regarding XXXX XXXX and this organization is as follows : National Credit Adjusters XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that there was a credit card in my name from Wells Fargo. It had been opened since XX/XX/2019. I became aware of it today. I called Wells Fargo and they informed me there isn't an account under my name nor social.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Ragan & Ragan , PC account number XXXX 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a matter regarding incorrect accounts listed on my credit report. I have previously filed a dispute with the credit bureaus, but the following accounts remain on my report despite my claim that they do not belong to me : XXXX XXXX XXXX Account Type : Auto Lease Reported : XX/XX/XXXX Balance : {$45000.00} Past Due : {$45000.00} XXXX XXXX  Account Type : Credit Card Reported : XX/XX/XXXX XXXX XXXX XXXX Account Type : Debt Buyer Account Reported : XX/XX/XXXX Balance : {$990.00} Past Due : {$990.00} Additionally, I have identified the following inquiries related to these accounts that I believe are inaccurately associated with my name : XXXX Date of Inquiry : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Limit : {$700.00} Past Due : {$980.00} Despite my dispute, these accounts and inquiries continue to appear on my credit report. I am requesting that these accounts be investigated and removed from my credit file, as they do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable, and I ask that these accounts be removed from my credit report as they fail to meet these requirements.

Further, the continued reporting of these accounts despite my dispute may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the reporting of erroneous information by debt collectors. Given the lack of resolution from the credit bureaus, I am requesting your intervention in ensuring that these inaccuracies are corrected promptly.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure the removal of these incorrect accounts from my credit report.
Product: Debt collection

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. 
Lets also not forget that CBS COLLECTIONS broke commercial law under XXXX XXXX that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my XXXX XXXX days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. 
OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. 
See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Supp. XXXX ( XXXX. XXXX ) ; XXXX V. 
XXXX, XXXX XXXX XXXX XXXX cIR. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion stated that they verified with my County court office that they reported a public record of income tax. They do not report anything to the Credit Bureau report. I have called and verified with my county clerk office that they do not report anything personal to the credit bureau. I would like to know who TransUnion use to verify this information when I have verified with my county clerk office that they do not report any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate, misleading, false, information that can not be verified from the bankruptcy courts. I have sent letters under 609 law  asking to validate public record and have gotten letters from bankruptcy court saying they do not sell to third party at all. Please see attached letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this since XX/XX/2023. This debt doesnt belong to me, it was an act of retaliation and HUD is currently handling. XXXX has been in compliance but Equifax and XXXX still havent removed this.
Product: Credit card

XX/XX/XXXX to CFPB Reference case number XXXX ( a number that does not appear in your online database ). 

On XX/XX/XXXX I submitted the above-mentioned case to CFPB. On XX/XX/XXXX, the Elan unit of US Bancorp, wrote me ( see attached ) to say that a fraud had been committed and the charge had been reversed. They also said that they submitted a request to the consumer reporting agencies to remove any delinquencies but it " ... may take the agencies several weeks ... ''. It is now been over 8 weeks, and my credit score is still about XXXX points below last XX/XX/XXXX before this mess started. 

Does CFPB ever " close the loop '' and ask these companies to report when they have DONE what they promised? 

Elan unit of US Bancorp opened an account without my knowledge or consent. They ruined my credit score. Is this a matter for federal court, or state court? 

Please let me know who the perpetrator of the fraud was. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Reference # : XXXX These XXXX have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion Original complaint XX/XX/2023 Case # XXXX TransUnion responded XX/XX/2023 but was not thorough. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU. 
- XXXX XXXX  is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing regarding Paypal 's user interface and security, specifically the log in interface. When the mobile app is first opened, there is an option to " Text a one-time code. '' Similarly when one goes to the sign in page on the Paypal website, there is an option to " Log in with a one-time code '' that is sent via text. Electing this option would allow the user to log in using only the code that is sent, thereby allowing whomever has the code to access the Paypal account even if they do not know the account password. 

I believe this feature is a significant security flaw in that it allows anybody with access to the user 's phone or text messages to be able to log in to that person 's Paypal account without requiring the password, and there is not a readily available ability to disable this option in the account settings. 

A password and/or biometric verification should ALWAYS be required to log in. I am not sure why such a feature allowing sign-in solely via text message would be allowed, and more importantly if it is allowed, why such a feature is not able to at least be disabled at the user 's election. 

As you can see from this post on Paypal 's user forums ( XXXX : XXXX ), there are many users complaining about the same issue, and it does not appear as if Paypal has done anything to remove the feature in question. 

Please direct them to remove at once the ability to log in solely via text message verification ( and without password or biometric verification ), given the significant security risk that this poses. 

Thank you.
Product: Mortgage

This is my 3rd and hopefully my last Complaint. 
If OCWEN really wanted to help me, they would give me the time to get to a closing and not put the property on foreclosure sale only days prior to me concluding a deal and going to closing. 
Every time I get to a point of potential closing, I am thrown under the bus and put back for foreclosure. Now XXXX/XXXX/XXXX - 4 days before XXXX. 
I can not close by XXXX/XXXX/XXXX because in qualifying for a Reverse Mortgage I had to get married, Correct my credit, pay back Taxes and Provide additional income to prove I could pay for Taxes & insurance on or before time so as not to cause another foreclosure. 
I have sufficiently done so, but my Partner of 25+ years works as an XXXX jobs had to submit XXXX & XXXX Taxes although no Taxes were due because actual income was below Taxable amount for XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me 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. I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XXXX XXXX XXXX Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not authorize on my Equifax report. I have disputed multiple times and still no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX charge off This information is incorrect Ive called multiple times and the amount is incorrect . I am asking this incorrect information be removed
Product: Checking or savings account

On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure. 

Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX. 

I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing? 
2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?
Product: Credit reporting

There are several discrepancies with my personal information. The following does not apply to me : Social security numbers related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my spouse I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX we purchased a XXXX XXXX XXXX  with a loan through Wells Fargo in the amount of {$45000.00}. On XX/XX/XXXX I made the first payment in the amount of {$760.00} which is the amount we have paid up throughout our loan. We have never been late until XX/XX/XXXX at which time I contacted Wells Fargo auto loan customer service to discuss our financial issues and make our payment. They deferred our payment XXXX  XXXX XXXX  and moved our due date to the XXXX of each month. They collected my payment of {$800.00} which included a late fee in the amount of {$38.00}. On XX/XX/XXXX we logged onto our online account to make our payment and noticed the breakdown of our last payment on XX/XX/XXXX with a principle/interest amount of {$720.00} and a late charge of {$38.00} which equaled out to our regular monthly payment of {$760.00} and then they had a secondary late fee in the amount of {$38.00} which brought us to the payment of {$800.00} that we paid on XX/XX/XXXX. We contacted the Wells Fargo auto loan customer service to ask for a breakdown of our bill and discuss our concerns with them on the matter that they seemed to be charging us a late fee every month which came to be a total amount of {$760.00} not including the amount of interest this has accrued and they assured us this was not the case and that it was a problem on their part and that they would contact us when they looked into it and resolved the problem. On XX/XX/XXXX we logged into our account to make our payment after not hearing back from the bank or receiving the breakdown that we had asked for and saw that our current payment due was {$720.00} with a late charge in the the amount of {$38.00} which brought us to {$760.00}. We also noticed that they had credited our account {$760.00} on XX/XX/XXXX and an interest adjustment in the amount of {$370.00} on XX/XX/XXXX. We contacted customer service once again for an explanation at which they could not provide XXXX and they would put in an XXXX complaint on the matter. On XX/XX/XXXX we received a letter in the mail stating that we accrued a late fee in the month of XXXX but no other months and that the issue was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern My complaint consists of Transunion not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Transunion credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to Transunion, and XXXX as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my Transunion and XXXX personal credit file, and I have the right to request this information, then the XXXX XXXX XXXX hung up. I contacted Transunion numerous of times about this XXXX XXXX account that is illegally being reported on my Transunion report. Transunion response was that they investigated the dispute for the account, and they determined that the information is accurate. Transunion is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with that being said it is illegal for XXXX XXXX to continue to report this account to Transunion or any other credit bureau. Transunion needs to remove this XXXX XXXX account from my credit file.