23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan  ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX XXXX XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Money transfer, virtual currency, or money service

I own a small business and was broken into on XX/XX/2021. When I realized I was broken into and that my Square reader was stolen, I contacted Square and asked that my account be frozen. After I had requested they freeze everything, they then allowed the person that robbed me to hook up their debit card to my account and also generated a Square checking account and debit card. I have requested that they share the information of this person so that I can serve them, but they will not. They will also do nothing to secure my account ( such as cancelling the card so the robber can not use it ) so that I can have access to my funds again for my business. They have told me that law enforcement can contact them and they MIGHT be able to share the information, but there is no guarantee that they will. We are 7 weeks from the robbery and the police department has still not been able to assign a detective because the are so overwhelmed. However, I am already out almost {$3000.00} between the cost of fixing the windows, things that were stolen and I would like to be able to serve the person that broke into my business and for my account to be secure. I believe as the actual customer that has engaged Square, they should be able to keep my money safe and protect myself and my business instead of shielding/protecting the person that committed a felony.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX  with inquiry date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX  with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Product: Mortgage

I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Prepaid card

I have an ace elite account thur net spend n have an account for a few years now. I received a txt message to call them n I did n when I called they said my account was closed due to me doin something with my account but couldnt inform me of what I did. They said that there was no one I could speak to bout it but all they could tell me is that I was unable to open a new account n that my account was closed infinitely. I asked what I did wrong n they said they couldnt tell me thats all it said. I asked could I file a complaint n they said that they didnt have anyone for me to complain to. I said then I guess Ill have to file one with the financial protection of consumers affairs. So now thats what Im doin.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional ACC. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY BANK : I obtained a used car loan with Ally Bank. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and Ally refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and Ally Bank are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, THE XXXX XXXX Account # 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 written instructions
Product: Credit card or prepaid card

On XXXX XXXX, I attempted to withdraw cash from my Unemployment Debit Card contracted with KeyBank from a KeyBank ATM Machine. Because of the amount {$1200.00}, the ATM Machine would not allow me to make a withdrawal. I went inside the KeyBank and asked a employee to withdraw cash and put it in my KeyBank checking account. The employee made a cash advancement from my debit card. During the transaction he was impatient and attempted to stop the transaction and doing so attempted to backed out of the act. The system process the advancement before backing out and the person said that I was at fault. I asked him to give me the cash that was withdrawn, and he refused. He then recruited his manager to assist. She looked at his information online and saw that the transaction was done. The manager told me that I had to wait until the transaction showed up in the employees teller which would happen at the closing of the business hours and I should return the next day. When I returned the next day the money was supposed to have disappeared and when I requested the money that was withdrawn from my debit card be giving to me, the manager refused. 
The employee instead called the debit card company and started a dispute. The policy for disputing a transaction is 7 to 10 business days to get to be reviewed. Meanwhile I am forced to wait to get money that belongs to me and was withdrawn from my card account. My car payment is late, and my credit card payment is also late. Im forced to pay my rent late, with an extra fee because its late.

I was forced to pay my phone bill late as well. Im receiving unemployment and this act has caused unnecessary stress, and hardship for me and my family.
Product: Credit card or prepaid card

I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, and XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY is it that Experian & XXXX  have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from XXXX. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was contacted by Convergent Outsourcing Inc . Via mail regarding an outstanding debt of over {$4000.00}. I wrote and stated that the debt was not mine, they then returned via mail a copy of a XXXX XXXX phone bill that I have never seen before, addressed to an address I have never lived at in a city and state I have never been to. I wrote them explaining this and mentioned that my SSN has been stolen before and this could be the issue. In the mean time they have placed this collection on my credit report and wo n't do anything without a copy of a police report stating my SSN was compromised. The report is proving difficult to get as it was quite a while ago. I do have proof from Social Security that requires a PIN number to file my taxes due to the compromise but I feel VERY uncomfortable giving this to a collection agency.
Product: Mortgage

This lender, XXXX Bank, has engaged in an ongoing and breathtaking pattern of misconduct, ranging from sheer incompetence to outright deception, including the following : -Falsely claiming I did not have insurance on the property so they could purchase insurance at multiples of the fair market rate and try to pass along the inflated premium to the borrower -Deliberately misinforming me that my loan had been sold to another lender, so that I would stop complaining about their misconduct ( in fact, the loan had not been sold, just assigned to a different TIAA servicer ) -Unilaterally altering the terms of my mortgage by adding additional escrow fees that I specifically declined
Product: Credit reporting or other personal consumer reports

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost 1 1/2 to 2 years to render aid during that crisis. Along with that the company I was working for XXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX along with proof that unemployment delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my mental state of mind but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.
Product: Mortgage

In XXXX of XXXX, we purchase our home. On XX/XX/XXXX, we made our first payment by ACH transfer for the XX/XX/XXXX payment. Our loan on XX/XX/XXXX was serviced by XXXX ( division of XXXX ). On XX/XX/XXXX ( the day following our payment ), XXXX transferred servicing to Select Portfolio Servicing ( SPS ). 

Despite evidence of our payment, SPS has refused to apply said payment to the loan. This is despite SPS receiving our bank statement showing said payment and the XXXX ( XXXX ) loan history showing said payment was received and applied before the made the loan transfer. 

We made a formal payment reapplication inquiry with SPS due to their failure to acknowledge said payment. 

In the meantime, on XX/XX/XXXX our loan was transferred again from SPS back to XXXX. On XX/XX/XXXX, we made our second mortgage payment to XXXX. XXXX, to its credit, has acknowledged the payment and although they are still working on fixing the account, they admit we made the payment. Unfortunately, that is not the case for SPS. 

On XX/XX/XXXX, we received SPSs formal response to our payment application inquiry. Despite incontrovertible evidence of our XX/XX/XXXX payment from us AND XXXX SPS still says they will not accept we paid or apply that to the loan. 

Now I understand that SPS is no longer our servicer, but their continuation to assert we owe something we clearly dont is not only troubling but seemingly in violation of federal protection laws. 

I felt compelled to file this complaint as what they are doing is really mind blowing incompetence or utter disregard for the consumer. Had our loan not been transferred on XX/XX/XXXX back to XXXX, our RESPA deadline wouldve expired on XXXX. This means SPS couldve erroneously and adversely impacted our credit and said we were delinquent when we are emphatically not. I can only imagine how many consumers are facing this with them. At some point, enough is enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX inquiry date : XX/XX/XXXX XXXX XXXX  inquiry XXXX XXXX inquiry dater : XX/XX/XXXX Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Debt collection

I have just noticed a Collection on my credit report from this merchant for {$170.00} that I do not owe. 

Also, they have illegally obtained my Social Security Number and accessed my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.
Product: Mortgage

I believe my Mortage with Wells Fargo from XXXX was not fair and misleading