23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was first contacted by XXXX XXXX on XX/XX/18 from XXXX, when I called the company back I talked with XXXX who informoed me I owed {$440.00} to XXXX XXXX XXXX   XXXX then hung up the phone. When I called back XXXX took my call, I had to verbal ask XXXX to stop yelling at me as she was being loud and abusive in tone. She threatened to sue me and garnish my wages. She told me she would not send me a validation letter she told me she would put me down as a resfusing to make a payment and told me she would tell XXXX XXXX XXXX to just go ahead and sue me. She refused to give me the companies professional license number and told me I could look it up on their website ( XXXX ) which I looked but can not find. When I asked for the website she told me, " are listening to me I already told you the website name! '' She then told me she would block my number and she would just sue me instead. When I asked XXXX for a vaildation of debt letter she told me " that I wasn't getting anything ''. I was contacted again my XXXX on XX/XX/18 he stated I owed {$440.00} again and told me he would take {$100.00} down on that day and I could make payments for the rest. I asked again for a written validation letter but they refused and would only send it by email. When I told him I couldn't pay that right now he told me he would let me pay {$320.00} when I again told him i couldn't pay that and asked to speak to his supervisor I was again threatened and was told by XXXX " oh believe me you don't want to talk to him '' when they supervisor came on the phone he told me I again owed {$440.00} and if I can't afford then I can't afford all the money a lawsuit would cost and that a lawyer would cost me {$200.00} or {$300.00} an hour and that they will sue me. When I asked about paying that amount XXXX told me about before ( {$320.00} ) the supervisor then told me I should of taken that offer then and now I owe the {$440.00} again. I then told them I couldn't pay that today and hung up the phone. XXXX then called me back a second later stating I could pay {$390.00} when I asked why I couldn't pay the {$320.00} as stated before he informed me that his supervisor overruled him, when I asked why he then hung up the phone on me. XXXX XXXX have been nothing short of abusive towards me. They refuse to give me their license number and refuse to send me a written debt validation letter. They yell and threaten me with every phone call with wage garnishment and expensive legenthy lawsuits. They use abusive language and keep changing the price I owe them based on their emotions towards me. They call me and leave voicemails stating how important it is that I call them back then they hang up on me. They are using scare tatics and threats and causing me a great deal of stress
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Debt collection

PLEASE BE ADVISED THAT : XXXX XXXX XXXX, XXXX AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( seXXXX CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XXXX XXXX XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing. 
Accordingly, DIVERSIFIED CONSULTANTS, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XXXX XXXX from XXXX XXXX XXXX, XXXX ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, when DIVERSIFIED CONSULTANTS ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning the many unsuccessful attempts I have made to correct a late open accounts and remove a public record from my credit report. Despite my persistent efforts, these items continue to adversely affect my creditworthiness and financial standing.

Previous Attempts to Address the Issues : I have previously disputed these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and public record persist on my credit report.

I request an immediate and thorough investigation into both the late open account and public record to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report.

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a XXXX-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX XXXX  Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Mortgage

Our hardship was caused due to income and illness. We have been trying to resolve this issue and we keep getting denied. On XXXX XXXX, 2023, my agent submitted for a modification. It was under review and in XXXX XXXX, 2023, denied due to unable to come up with an affordable payment. My agent spoke to the relationship manager and they tried to submit for an exception on XX/XX/XXXX, we were advised that it was denied due to CFPB guidelines. They could not explain what this meant and i still have not received a denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my name. This is illegal to display my name in the incorrect fasion. My name is XXXX XXXX!
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Experian. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am reaching out regarding inaccuracies on my credit report related to the XXXX XXXX XXXX  account ( # XXXX ). After careful review, I identified errors in how payments have been reported, specifically a 30-day late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX under TransUnion. These reports are incorrect, as all payments were made on time. 
It is crucial for credit reporting agencies to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ), and I am requesting a thorough review of this matter. The errors in reporting have negatively impacted my credit file and are not representative of my payment history or financial responsibility. 
Details of the Account : Account Number : XXXX Account Type : Installment Lease Account Status : Closed Date Opened : XX/XX/XXXX High Credit : {$12000.00} Date of Last Payment : XX/XX/XXXX Disputed Information : TransUnion XXXX Incorrectly reports a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX. 
XXXX and XXXX : No similar reporting issues. 
I have attached bank statements and proof of timely payments for these months, which clearly demonstrate that I was never late. These inaccuracies violate FCRA guidelines, which mandate that consumer reports contain only accurate and verifiable information. 
My Request : Correct the Errors : Update the XXXX XXXX XXXX  account to reflect a status of " Paid As Agreed Never Late '' for XX/XX/XXXX and XX/XX/XXXX. 
Provide a Detailed Investigation Report : As required by 15 USC 1681i ( a ) ( 7 ), I request a description of the procedure used to verify the information in dispute. 
Submit Supporting Documentation : Provide verifiable proof of the reported late payments, including specific dates, amounts, and communications indicating delinquency. 
In the absence of such proof, I expect these inaccuracies to be removed immediately. Furthermore, I ask that you confirm in writing the steps taken to ensure my credit report is corrected to reflect its accurate status. 
Supporting Documents Included : A highlighted copy of the credit report indicating the discrepancies I trust that you will handle this dispute with urgency and professionalism. I expect a resolution, including written confirmation of updates to my credit report, within the timeframe mandated by the FCRA. 
Thank you for your immediate attention to this matter. Please feel free to contact me directly if additional information is needed. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

When I had my XXXX XXXX XXXX XXXX I felt like the funds in my account was being withdrawn and deposited inaccurately.
Product: Student loan

Nelnet has reported to credit bureaus that I was past due in XX/XX/2018 on 20 separate accounts. This is inaccurate. I was attending school on XX/XX/2018, which means there should not have been anything due at that time period. Nelnet refuses to remove the derogatories despite being informed of the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acting have caused significant inconvenience and financial loss, and I seek appropriate redress these violations
Product: Credit reporting or other personal consumer reports

i have viewed my credit report and found some errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
US DEPT ED XXXX Balance : {$2200.00} ; US DEPT ED XXXX Balance : {$3300.00} ; US DEPT ED XXXX Balance : {$2400.00} ; US DEPT ED XXXX Balance : {$3700.00}.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX Employers : XXXX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX WAY XXXX XXXX, FL, Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

TIAA is delaying giving me PAYOFF statement. My new refinancing company and I have request it 6 times since 3 weeks ago. TIAA keeps on saying it is processing and that it takes 3 business days. I think TIAA is avoiding issueing payoff statement and is trying to delay my refinancing. Here 's the info of the TIAA -- XXXX : XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I found an error on my credit report from Simons Agency in XXXX, New York. It was for {$150.00} and when I called they explained that they were a collection agency who was handling a balance due on an Ambulance ride for another member of the household. I was surprised to learn that the amount due was sent to the collection agency in my name, especially since I received no bills or notices ( or personal contact ) that the account was being turned over for collection. After speaking to Simons they told me the bill was generated from XXXX XXXX XXXX. I phoned XXXX XXXX and they confirmed that the service was not for me. They said that a second party handles all their billing and referred me to XXXX XXXX at XXXX. They also confirmed that the service and billing should not have been made in my name and it was an error. They couldn't explain why the bill was generated in my name and sent to collections in my name but said it was erroneous and shouldn't have happened. I asked how I would get this removed from my credit report and she said that they would take care of updating the credit report and it would probably take a week. I didn't know if this was true so I am submitting this complaint on my behalf to ensure that they do remove this mistaken reporting from my credit record. I was more than willing to cover the balance due and paid XXXX XXXX XXXX directly. Thank you for your assistance in clearing this erroneous report on my credit record. XXXX XXXX.
Product: Mortgage

I paid off my house XX/XX/2021 And I have yet to receive my escrow refund monies in their entirety. 
They keep telling me that 'the check is in the mail '
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found multiple in accuracies ; XXXX account number XXXX also XXXX XXXX account number XXXX report across all three bureaus are different. 
2.Report as closed account on experian but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau. 
4. payment history differs on all three. 
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ).
Product: Student loan

I am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.
Product: Student loan

I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} WFDS XXXX Balance Owed : {$14000.00}
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Debt collection

Only XX/XX/2019 I was given a written offer to settle my charged off credit card account with Capital One for {$1000.00}. This amount was to resolve the matter and be reported as " settled in full '' On XX/XX/2019 the payment was processed and a confirmation email was sent from Capital One on XX/XX/XXXX stating the payment was successfully processed. 

Since this time Capital One has continued to report negative to the credit bureaus as " past due '' and has also continued collection efforts. 

In XX/XX/2019 I requested an investigation take place with the Capital One investigation department and I received a letter dated XXXX XXXX, 2019 stating the investigation has been completed and I still owe the remaining balance. 

I believe this constitutes fraud and " bait and switch '' practices.
Product: Debt collection

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX are all dates that validation letter request were mailed out to the company. I have yet to receive the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card whom seems to have no policy towards dates they report to the credit bureaus. In a previous conversation I was informed XXXX bank reports to the credit bureaus on the closing date of each months billing statement. This would be consistent with Bank policies across the board. This information is also part of the consumer agreement and contract. My XXXX billing cycle ends on XX/XX/XXXX. However, XXXX reported the balance to the credit bureaus on XX/XX/XXXX, according to Experian and XXXX. WHY? 
I am in the process to purchasing a house and obtaining a mortgage in XXXX of XXXX. Therefore I have a goal to pay off all my cards and it is important to know when each reports to the credit bureaus. 
Therefore, I am requesting XXXX bank to provide me with their policy and the expected date my account is reported to the credit bureaus each month. Example ; is it the due date, the date the billing cycle ends or some other date each month. 

* I am also requesting a copy of the AUD XXXX furnished to the credit Bureaus for the month of XX/XX/XXXX XXXX
Product: Debt collection

Re : Complaint Against XXXX & Credit Acceptance Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from Credit Acceptance. 

XXXX is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.