23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SERVI XX/XX/scrub>XXXX XXXX XX/XX/year> EQUIFAX MTG XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX, IL XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt collector, XXXX is trying to collect a debt that is not mine in the amount of {$6100.00} I have asked for debt validation and only received a photo copy of a bill, and now they are asking for {$6200.00} This false debt was previously owned by XXXX XXXX XXXX and was removed from all credit, prior to that it was owned by XXXX XXXX and was also removed from all credit. This debt is not mine and keeps being sold to new collectors in an attempt to collect it anyway. How do I get this to stop?
Product: Credit card

I bought a new XXXX XXXX XXXX XXXX XXXX on XX/XX/year> from XXXX using 12 months equal XXXX  with XXXX interest. Total amount is {$2500.00}. XXXX does it using a Synchrony bank credit card. My card is on auto payments with full amount, so Synchrony has some issue and they took the entire amount. I called back and they said, it happened due auto payment of full amount and they reversed the transaction and said they will issue a cheque. I never received this amount back. in the next cycle, they again charged my debit account with the full payment stating the same reason. 
I got charged in full twice and I never received the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I disputed an account with Equifax and Equifax replied back saying that the account was verified. 



However, Equifax have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my Equifax credit report as a child support account when its an old utility account. If the proper investigation was done whom did Equifax get this information from that it was a child support case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that Equifax is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

My mortgage is currently serviced by Select Portfolio Servicing ( SPS ). It is a loan backed by XXXX XXXX and is currently delinquent. On many occasions, I have sought loss mitigation efforts with SPS and contacted their loss mitigation department regarding the same. SPS has refused to process my loan modification and issue clear underwriting determinations. Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to HUD. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

SPS has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. SPS has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 


SPS is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5.  XXXX has imposed a foreclosure sale date on XXXX, so I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a correspondence from Wells Fargo Bank stating they did not have a signed application pertaining to the application they processed on XX/XX/2022. Under the Fair Credit Reporting Act they must remove the inquiry on my credit report. They asked that I contact the dealership but that is not the process.
Product: Debt collection

I am writing to formally dispute the validity and reporting of a collection account listed on my credit report under the account name Portfolio RC, account number XXXX. Upon reviewing my credit file, I have found inaccuracies and believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Cash App every time I had an issue and I tried to contact customer service I was redirected to tried with the company because I couldnt get an actual live customer service support.
Product: Debt collection

In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.
Product: Payday loan, title loan, or personal loan

Citizens One has been auto drafting my monthly payment each month since I opened the account. XXXX XX/XX/2023, I called Citizens One and asked to stop my automatic withdrawals from my account. I was told by the representative that I have to have automatic withdrawals for that particular loan. I told the representative that I was pretty sure that is against the law and was advised there is no way to remove any of my account information, previous or current, and no way to stop the automatic withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX Account XXXX XXXX ), ( XXXX XXXXXXXX XXXX- Account # XXXX ), ( XXXX XXXXXXXX XXXX Account # XXXX ), ( XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, Account # XXXX ), ( XXXX XXXXXXXX XXXXXXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # XXXX ), ( XXXXXXXX XXXX XXXX XXXX Account # XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Please reference attachments of findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile. 

Dispute Information : Nissan Motor Acceptance Corporation ACCOUNT # XXXX This account was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

In accordance with the FCRA, I am requesting that you provide me with the following : XXXX. The specific information that was used to verify the accuracy of the items in question. 
XXXX. The name and contact details of the entities that furnished this information to your agency. 
XXXX. Any documentation or records that substantiate the verification process.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle a lot of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and untraceable. The CFPBs finding indicate that Zelle has neglected to protect its users and allowed repeat offenders to exploit the system
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety,
Product: Debt collection

I have got many calls from XXXX XXXX XXXX ( XXXX ) staff XXXX XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report XXXX, I found out that XXXX is faking to be XXXX member using a fake certification # on their website. XXXX Executive director has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that XXXX is not a member. Please see attached email communication. 

When I called XXXX to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, XXXX  XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX  and Attorney General. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested on XX/XX/XXXX, that TransUnion re-investigate inaccurate information on my credit report. The inaccurate information was in my opinion never reinvestigated and the information still shows on my report. This is troublesome and has cause a great deal of stress for me and my family. Under the FCRA, I thought these bureaus can only report 100 % accurate information. I sent letters to the creditor and credit Bureaus on XX/XX/2021. I patiently waited 45 days before reviewing my information only to see that the inaccuracies remain. The balance due, last date reported and last date of activity are all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX
Product: Credit reporting

On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.