23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : toyota motor credit : auto loan
Product: Bank account or service

XXXX XXXX claims that my account has a pass due amount of {$560.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX of XXXX  I did two money transfers via Western Union XXXX XXXX. Both transfers failed, so the Company promised me they will refund the money. Those refunds to date havent yet been made, even though the dates set by the Company for this to occur have already been met. On the attached pdf file you may see the Company emails, where they set the dates for the reimburses to be met. Having asked my bank about this they tell me they havent received the reimburses.
Product: Credit card

Synchrony Bank is forcing users with their Paypal credit service to sign up for electronic statements or be charged a XXXX monthly fee. At the very least they should be providing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to Equifax and XXXX on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number 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
Product: Checking or savings account

I contacted Regions bank on XX/XX/XXXX about unauthorized charges. The bank filed the dispute and cancelled my old card. Well I had to contact the bank again on XX/XX/XXXX and XX/XX/XXXX. The bank is coming up with every excuse to issue a refund I need my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!
Product: Mortgage

I recently refinanced my mortgage to XXXX XXXX. My old mortgage was being serviced by XXXX XXXX XXXX subserving my XXXX XXXX. While refinancing they rejected XXXX XXXX 's payment to close out the loan because I had a shortage of {$630.00} in my escrow account. Loancare failed to notify me of this issue and continued charging my interest daily and charged a new PMI payment. Now we are 10 days after closing and over {$300.00} additional is due to close out the loan. They have refused to waive the interest and PMI payment and told me there is nothing they can do. I find this deceptive and way for them to collect a measly XXXX extra dollars.
Product: Debt collection

1 ) Account Info Creditor : Commonwealth Financial Original Creditor : XXXX XXXX XXXX, XXXX Account number : XXXX Collection opened : XX/XX/2019 Account type : Collection Department XXXX Agency / Attorney Balance Loan Amount {$650.00} {$650.00} Payment Info Original loan amount : {$650.00} Balance : {$650.00} Updated on XX/XX/2019 Contact : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Creditor : Unknown Collection Opened : Unknown Account type : Collection Department / Agency / Attorney Balance Loan Amount : {$26.00} Payment Info Original Loan Amount {$25.00} Balance : {$26.00} Updated on : Unknown Contact : Unknown
Product: Debt collection

I recently received an alert regarding a collection accounts being added to my credit report from Debt Recovery Services, LLC. For medical bills. I have never received a bill for any medical bills. I have always had XXXX and/or XXXX due to being permanently XXXX. I have tried to call the phone number for the original creditor and its not in service. I do not owe anyone. I have worked hard to maintain a positive credit profile and this company has made such a negative impact to my report. This company need to cease and desist from collection activity and should be removed from my credit report immediately.
Product: Debt collection

In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to Ad Astra Recovery Services. I contacted Ad Astra Recovery Services and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at Ad Astra played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.
Product: Credit reporting or other personal consumer reports

You Must follow the consumer law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my account is fraudulent and the credit bureau did not remove it when I disputed them. 

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 XXXX XXXX
Product: Debt collection

When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a 'non-refundable ' security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a 'general carpet clean ' for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out. 

I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could " Listen in private ''. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card account of XXXX  XXXX XXXX ( closed ) in not mine so ask them to remove it but still existed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.
Product: Debt collection

I send Enhanced Recovery Company a debt verification letter on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to hear from them. I recently saw on my credit report that I had a collection from XXXX that they are handling. The amount is for {$450.00}. I do n't know when this debt was made and they wo n't give me any information as to how I owe this.
Product: Student loan

Thank you in advance for your time and attention to this matter. 

I am writing because I have met all the requirements for loan forgiveness under the Public Service Loan Forgiveness Program ( PSLF ). For the last ten years, I have been a social worker at an employer that qualifies under PSLF. PHEAA/FedLoan Servicing have processed payments for 9 out of 10 years ( 108 out of 120 eligible payments ) and acknowledged that my employer qualifies. As of XX/XX/2021, I have submitted a certification to PHEAA/FedLoan Servicing that I have made all 120 of the payments required to process my loan forgiveness and forgive the remaining balance of my loans. Since that time ( ie for the last ~5 months ), my application for loan forgiveness has been in limbo with PHEAA/FedLoan servicing. I follow up regularly through various available channels but am never able to get more than perfunctory answers to questions about when my loan will be processed for forgiveness. The most I am told, repeatedly, for months now, is that PHEAA/FedLoan Servicing needs to verify my employment with a qualified employer. However, as mentioned, I have been at the same employer for years, and PHEAA/FedLoan Servicing has, in each year except this last one, timely verified my employment and confirmed that the employer is qualified. As a result of PHEAA/FedLoan Servicings refusal to certify my most recent year of employment, I am administratively stuck on 108 out of the 120 eligible payments. I am particularly distressed because it is clear that PSLF applicants are being processed on a regular basis these days, but my application is being left behind for unclear reasons. I have fulfilled my obligations and responsibilities towards loan forgiveness under the PSLF Program over ten strenuous years in public service. I am hoping that you can use the influence of your office to help push my application through. Thank you again. 

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

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint against Absolute Resolutions Investments LLC for their unlawful and unethical attempts to collect on a debt. Their actions have blatantly violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, causing undue distress to me and my household.

Despite my clear rights as a consumer, Absolute Resolutions Investments LLC has engaged in the following unacceptable practices : 1. Harassment Through Inappropriate Contact They have repeatedly contacted me before XXXX XXXX  and after XXXX XXXX, violating FDCPA regulations. 
XXXX. Sending Strangers to My Mothers Home Representatives from this company have been dispatched to my mothers residence, making direct contact with visitors, guests, and even my children, who were understandably alarmed by these encounters. 
XXXX. Failure to Protect Sensitive Information On one occasion, they left an unsealed envelope containing sensitive financial records outside of my mothers home. Even worse, they falsely reported that these documents were signed and accepted for delivery, creating a serious privacy and security risk. 

To address this issue, I sent a cease and desist letter on XX/XX/year>, demanding that all further contact cease immediately. Despite this, their actions have continued, ( more than 30 days later ) further demonstrating their disregard for consumer rights and legal obligations. 

Furthermore, I am formally requesting that Absolute Resolutions Investments LLC remove all dispute remarks related to this account from my credit profile. Their conduct has caused significant emotional and reputational harm, and I demand corrective action be taken immediately.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and hold Absolute Resolutions Investments LLC accountable for their blatant violations. Please confirm receipt of this complaint and provide updates on any actions taken against them.

Thank you for your time and assistance in addressing this serious matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from LEXINEXIS for XXXX that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX  11. XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX  I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. 

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Debt collection

I was notified last night by my credit service that I have account that went into collections. I initiated a credit file alert and now Im in the process of obtaining a police report in order to get this removed off my record. I have included the collection agencys information below : Original Creditor : Sunrise Credit Service Balance : {$3800.00} Date Opened XX/XX/2021 Contact : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX,2020 I sent a certified letter to Midland Fund requesting to validate the debt in the amount of {$1200.00}, the letter was received XXXX XXXX, 2020, I received no response I sent a second letter requesting validation again on XXXX XXXX,2020 and it was received XXXX XXXX, 2020. I received two letters from Midland on XX/XX/2020 and XX/XX/2020 ... still with no proof or validating the debt but only stall statics.
Product: Debt collection

I was served with notice of two lawsuits for my debt this company is trying to collect. I call to set up a payment plan. I gave them my routing and checking account number for the company to set up recurring funds transfers. I was told that I would receive an agreement via email and I had to sign the agreement before they would file anything with the court. I never received the agreement. I now have an attorney working to renegotiate a lump sum settlement- I felt it was necessary since I never received the paperwork I was supposed to sign to stop the lawsuit from pending. When I contacted the company to ensure they would not draft my account since I had not received or signed anything, I was told that I verbally agreed and they were going to draft the funds and I couldn't change that. I told them I would let my attorney handle it and I do have the funds in my account to be drafted. I have not placed a stop payment because I'm afraid doing so will prevent my from being able to settle the lawsuit. I believe setting up a recurring electronic funds transfer without a signature from me is a violation of Regulation E ( 12 CFR 1005.10 ( b ) ) and I should have been able to stop the transaction from occurring since I had not received or signed anything. I also believe they are intentionally holding back the paperwork that would allow for the court case to be dismissed. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. 

Account in question : XXXX XXXX  Account # XXXX