23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am getting calls from a company called  " Brennan & Clark LTD ' ' and informed to call back "  XXXX  '' to speak with a specific individual there in regards to a debt that I do not have with this organization.     I have looked over my credit report and nothing shows of an outstanding debt nor this organization at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information on my credit report stating I have missed a payment to FOUNDATION FINANCE CO reported on XXXX XXXX XXXX. The information listed above is not information related to any transaction by me. Please provide identification of such information is shown as late. Please remove late payment off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account. By law collection agency have to send out letters within 5 days of buying the debt. I never recevice any mail of this.They cant put this on my credit report if no letter. If they did mailed letters out I like to see proof of the mailing and the date of the mailing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been sending me collection notices in the about ( XXXX $ ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Debt collection

I sent in documentation upon the double charge. The bank was sent different receipts and proof upon my account upon a fraud case. And continuing to tell me that my proof isn't readable when it's the company name, my signature etc. And continuing to ask for a debt to be paid that's wrong on yall end. I have been going through this for a few weeks. I'm unable to pay my bills etc. I have kids and responsibilities and to call me asking for money that the case been closed for months and snatch it out my account is wrong. Everyone talk messabout this bank and I see why now. The transaction was for XXXX and XXXX and dated on XX/XX/21 from car rentals.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 
Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXXXXXX  I received multiple calls from different people and telephone numbers claiming to be representatives of Penn Credit Corporation demanding I pay {$3500.00} or I would be subject to judgment. 
On XX/XX/XXXX, I noticed an alleged collection on my credit report from Penn Credit Corporation negatively impacted my credit score and financial standing. 
On XX/XX/XXXX, I typed and mailed letters to XXXX, XXXX, XXXX and Penn Credit Corporation to dispute the validity of the debt. 
After receiving no response for months, I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXXXXXX  and received notification that the companies were in response to my dispute and to wait for correspondence. 
On XX/XX/XXXX I received notification on XXXX XXXX  that between XX/XX/XXXX and XX/XX/XXXX your Penn Credit Corportat collection was removed from your credit report.
Product: Student loan

Sallie Mae continues to harass my step father and step sister with calls. We have spoken to Sallie Mae that there has been financial hardships that we can no longer make the payment at this time. In addition I am still a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX 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: Debt collection

Portfolio Recovery Associates. Amount : {$540.00} Company has not provided me with any viable evidence bearing my signiture for this debt. Please remove from my credit files.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I formally notified this agency via certified mail of my status as a victim of identity theft. Despite this notification, as of today, XX/XX/2024, the agency persists in reporting information stemming from the identity theft incident. 

As per Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that such information may be linked to identity theft and that an identity theft report has been filed. In compliance with this requirement, I provided FTC report numbers XXXX, along with a requested block. 

Under Section 623 ( a ) ( 6 ), furnishers are obligated to block the reporting of any information in a consumer 's file identified as resulting from identity theft within four business days upon receipt of : appropriate proof of the consumer 's identity ; a copy of an identity theft report ; identification of the disputed information by the consumer ; and a statement from the consumer affirming that the information is unrelated to any transaction they initiated. 

All four requisites have been fulfilled by me and will be enclosed with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the blocking of reported information within the stipulated four business days upon receipt by the agency. This failure constitutes a violation of the law and renders the agency civilly liable for willful noncompliance under 15 U.S. Code 1681n, subject to any actual damages I have sustained as a result of this negligence.
Product: Credit card or prepaid card

I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Carmax as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Carmax is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account. 

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities and this is an intimidation tactic, even though I made arrangements with them to pay my balance and have been honoring this agreement by paying them monthly. I have bank statements to prove that they are receiving a monthly payment and not reporting them, and reporting an inaccurate balance. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The  banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Specialized loan Servicing ( SLS ) started servicing my Mortgage less than a year ago and SLS has made several mistakes. If i was not on top of the following mistakes it could cost me more money. 
I received a frighting letter from SLS saying all my requests were denied and i had two possibilities. one was a quick sale or a deed in lieu and they needed my answer by XXXX XXXX. I'm XXXX and don't want to leave. I called a HUD counselor and he helped me. THE FOLLOWING ARE THE MISTAKES I HAVE CAUGHT SO FAR : 1 ) I found cheaper homeowners insurance and sent the 2 page declaration to SLS. SLS paid the amount on the bottom of the first page and not the total on the second page. I managed to recoup {$190.00}. overpay from the insurance co. SlS is still showing the wrong amount of the Policy on their web site. 
2 ) I received a BPO copy from SLS and the assessment left out my garage even with a closeup picture. 

XXXX ) A HUD counselor advised me to call SLS today. As i was mentioning my concerns to the teller she said i did not have a XXXX Mortgage. I got her to look at XXXX 's website. She returned and said it was overlooked???. 
4 ) After ending our call today i received in the mail another BPO duplicate of the first one. 

I made 4 attempts to send SLS this message but their site kept erasing it. 
WHAT IS WRONG WITH SLS? I hate the thought of dealing with this company in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry for capital one back in XXXX, I called capital one and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.
Product: Checking or savings account

We had an odd occurrence where our account was negative due to a few factors and things with my wife having to take some unpaid time off from work and some recent changes in our life, and when I contacted Chase to inquire about reversing the almost {$600.00} in overdraft fees, they stated they were able to only reverse ( 3 ) individual fees and not the almost {$600.00}. I explained that I have placed a lot of money through their bank as well as have ( 3 ) credit cards with them and that this is absurd. They stated they could place a request in, but it was subject to approval. Every morning I wake I am seeing more and more fees add up into my account and I don't get my Veterans Administration monthly XXXX Payment until the XXXX. I am a 100 % XXXX XXXXXXXX veteran, and my wife works from home. We are on a fixed income and are working on figuring some things out while trying to organize our finances and Chase is capitalizing by charging us exorbitant fees. This is extremely unfair treatment ofcustomers.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ( Bank ) XX/XX/2022 This is an unauthorized inquiry. I did not apply for for an account with you guys. This must be a result of the Capital one data breach and my information was stolen. 
Please provide your reasonable policies and procedures to report this inquiry- ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 

( b ) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate. 

( c ) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness As well as the accuracy and integrity of this reflection - Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Debt collection

My name is XXXX XXXX, I am filing this complaint on my own behalf. There is no third part involved. I am writing this complaint due to numerous failed attempts to contact Best Buy, Citi bank in regards to a fraudulent, alleged credit card debt. I am receiving repeated statements via email notification addressed to XXXX XXXX XXXX from Citi Bank Best Buy Card , all of which state to be a notice for payment to be due. On XX/XX/2022 a packet of letters addressed and written by me were delivered to Citi Bank Best Buy Card Services to Validate an alleged credit card debt. This debt demanded specific documents per my lawful right. The documents I asked Citi Bank to produce to validate this alleged debt were written as follows : " -The amount you claim the Principal owes you.

- An explanation showing me how you have computed the amount.

- The identity of the Original Creditor.

- Copies of any documents that prove I agreed to pay the alleged amount.

- Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 
- Evidence that you are a licensed debt collector. 
- Evidence of your license numbers and your registered agent. 
" Attached to this same letter was a letter to demand cease and desist of all forms of communication in attempts to collect on this alleged debt. Citi Bank has failed on numerous occasions to cease communication, by way of continuing to send me emails, and written statements as attempts to collect on this debt. This is harassing me and persistently attempting communication at inappropriate time frames. Due to these facts, and irresponsiveness from Citi Bank Best Buy Credit Card services to validate the alleged debt, I compiled my list of facts and perceived feelings of harassment by this company over a debt they have failed to validate. I sent an affidavit by mail, and is currently being tracked via certified mail number XXXX. This sworn and notarized affidavit of truth lists 9 facts all communicating my perceived victimization of identity theft, harassment, and non-compliance to my written terms and demands as a consumer.
Product: Credit card or prepaid card

This is the second time I filing a complaint about Citi credit card. The first complaint was filed on XX/XX/XXXX. The ID # XXXX. Citi sent me a letter explaining why they are not able to resolve my dispute. However, in a typical for this company manner, they completely ignored what was in my complaint. My complaint was about how they failed to update the disputed amount from {$7200.00} to {$1000.00} for over 2 months. As, a result they didn't to apply the {$6200.00} to my account that I sent on XX/XX/XXXX and continued to pursue the dispute for {$7200.00}. They failed me as a customer every step of the way. Their dispute department failed to update the amount after seven calls and three emails and two letters that I sent them. Now they are planning to collect the interest and the fees from me for the whole disputed amount {$7200.00} although {$6200.00} have been sitting in the account for 2 months. There was not one sentence in the letter about how the dispute department failed to update the amount and lied to me every time I called and no apology for their terrible customer service. And in a typical Citi matter, after I made a phone call to the representative from the Citi Executive Response Team that was assigned to my case, he never returned my phone call. 
How can this company continue to conduct business in such a disrespectful and negligent way! There was no acknowledgement or apology about failures in the Dispute Department about updating the disputed amount! I am completely outraged! This is bad business!