23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence debt collection agency has been contacting me non stop regarding an debt in the amount of {$55.00} allegedly owed to XXXX. I have informed Credence on numerous occasions that I do not owe the debt. When I requested that my service with XXXX be disconnected, my account was paid in full. In fact, XXXX refunded me the amount that I had overpaid. I have requested that Credence provide me with proof of the debt however they have failed to do so. Instead of providing me with proof of the debt, they mailed me a letter stating that they ( Credence ) had verified the debt. I also requested that they provide me with information about their firm including their license number and whether they have a license in Arizona. They have failed to respond to my requests/inquiries yet they countinue to hound me. I am tired of them badgering me regarding a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX OPENED ON XXXX XXXX {$370.00} Account name : LOUISIANA CHILD SUPPORT OPENED ON XXXX XXXX {$820.00} has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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.

and according to 15 USC 1681s-2 they are suppose to 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. 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.

and according to 15 USC 1681s-2 they are suppose to 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATION/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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that there are inaccurate accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
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 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

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 XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX  XXXX XXXX XXXX  XXXX Account name XXXX XXXX  # XXXX Account name XXXX XXXX XXXXXXXX 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 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: Debt collection

I've disputed this debt with both the credit bureaus and Enhanced Recovery Company multiple times, and I have received no responses at all from Enhanced Recovery. They continue to report the account on my credit, and have verified it with the credit bureaus. I am entitled to the same information the credit bureaus are when it comes to accounts being reported against me. This information must be erroneous, and they are reporting it, which is a violation of the FCRA. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX... 

To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt. 
4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me.

I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA.

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities.

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX XXXX account to JPMorgan Chase at the instructions of the scammers.
Product: Credit card or prepaid card

My wife closed Credit Card account on XX/XX/XXXX via Chase Customer Service. The Account was paid in full and auto pay shut off, account closed. On or about XX/XX/XXXX a recurring charge posted to the account while others were denied. We were unaware that anything had charged to the account. Subsequently residual interest was charged to the account on XX/XX/XXXX and then began the late fees. As far as we knew the account was closed with a XXXX  balance. We were not adequately notified that there was a remaining balance until pulling a credit report and noticing a 30 day late notification was on the report. I called Chase bank multiple times to address the concern and was put on hold for hours and told there was nothing they could do and also hung up on by a XXXX when pressing for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.
Product: Credit card or prepaid card

I have two charges on my credit card that do not belong to me. I disputed with the credit card company. Months later they appeared on my credit card again. I never received any calls or correspondence regarding this matter. I don't know what occurred to make the charges reappear because the credit card company never contacted me. When I called to try to dispute the charges again, they tell me I will receive a call back but they never call me back. They do not file a dispute when I call just a promise vto call back. 
The two charges are : XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX
Product: Mortgage

On XX/XX/year> I received electronic notice from NewRez that my escrow account held surplus funds in the amount of {$5500.00}. NewRez further advised that I would receive these funds in the next ten ( 10 ) business days. I did not receive the funds. I contacted NewRez via the website and requested the date of mailing. The agent refused to give me the date without being pressed repeatedly. Then I was told that the flooding in the southeast probably caused a delay in the mail. On XX/XX/year>, I still had not received my money and I called. I spoke to an agent who offered to have the money electronically deposited into my checking account. She took all of my information, including routing and account numbers and assured me the money would be deposited without ten ( 10 ) business days. It was not. I called once again on XX/XX/year>, whereupon I was told that no electronic deposit had in fact been set up in the system at all. I asked why and was given no explanation. This agent took all of the routing and account information again. As of today, XX/XX/year>, I do not have my money. It has been almost two months since I was told it would be forthcoming. I called again this morning. This agent went over the routing and account numbers again and confirmed that all was correct. I was then told that NewRez waited for the returned check to void it before " approving '' me to receive an electronic deposit. The agent assured me that it is all in the works now and that she had marked it expedited and the " upper managemnt team '' had told whoever is in charge of that to expedite it. I told the agent that this seems fraudulent and purposeful at this point, as it exceeds all bounds of reason. I have made six attempts to resolve this with the company and to no avail.
Product: Mortgage

I filed complain XXXX, back in XX/XX/XXXX. I have tried to get the remaining XXXX XXXX refunded and the company is playing games. They answer and transfer me to other departments without resolving my issue. 
I asked that they do an XXXX XXXX because I am 100 % XXXX Veteran, since XXXX. My tax responsibility is zero. The company is still withholding my property tax XXXX balance and my bill is not reflecting the correct amount- still being charged property Taxes. 

I just need an intelligent human being on their end to do their job. I called almost three weeks ago to have this resolved. I have been on the phone ( XXXX ) for over 20 minutes and they keep transferring to other departments. 

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

In XX/XX/2023, I sent correspondences to XXXX, Equifax and XXXX about an unauthorized derrogatory account listed on my credit profile. A resolution has yet to be made.
Product: Debt collection

I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.
Product: Debt collection

I asked for a contract bearing my signature from the collection agency. I contract with the collection agency in affidavit form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 40 days and I have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Company reported 30 months of late payments. I owed {$1700.00} left on a vehicle costing {$27000.00}. My car payments were {$350.00} The car was a charge off but they continue to add late payments every month even though the account is closed. I have Repeating disputed this issue. The credit companies claim they investigate it. The information isnt correct, I tried Initially to have them repurchase the car under lemon law. They wouldnt allow me to although the vehicle has had several class action suits the latest being the air bag failure. Ford fights every case hoping the consumer will lose interest. I am Hopeful I can receive help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the three bureaus have intentionally placed incorrect information on my report about this account that has affected me from housing and other extremely important things I need! I ask that this information be removed due to the fact of this car was voluntary surrender but XXXX and the other two bureaus have said it was repossessed which is incorrect and by law the bureaus most remove all incorrect information immediately! I have repeatedly disputed it several times Im now requesting for help to remove this and or correct it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit report act XXXX  account number : XXXX, XXXX XXXX account number : XXXX XXXX  XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  account number : deptedXXXX, XXXX XXXX account number : deptedXXXX  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 my account without my written Instruction.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

XXXX NY CHARGE FOR {$6600.00} AND {$470.00} MULTIPLE OTHER FRADULENT CHARGES TOTALING APPROXIMATELY {$1500.00} WERE REMOVED AND FOUND TO BE FRADULENT. 
XXXX XXXX HAS NO PERSONAL INFORMATION ON ME REGARDING THIS CHARGE WHICH THEY WOULD HAVE IF I MADE THE PURCHASE THE CARD IS A CITIBANK CREDIT CARD
Product: Debt collection

i suffered financial hardship as a result of the pandemic and the government shutdown and was unable to pay my XXXX XXXX phone bill i had for 5 years as a result my bill got up to {$1300.00} XXXX XXXX sent the unpaid bill to collections which i felt was unfair and my credit is being negatively affected i filed a dispute with XXXX  thru XXXX XXXX and the account was deleted and my credit score went back up then a debt collection agency purchased the account and got i put back on now XXXX will not delete the account i am a victim of covid 19 my credit should not be affected
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is violating my privacy rights according to the privacy act of 1974. i tried reaching out to said company and got no response yet. i reached out sometime in about may. no answer.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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: Mortgage

As you can see from there statement they apply payments the way they want. You do not know why the pained is not going to the loan or they hold it in unapplied XXXX and call it a partial payment. I have not made any partial payments. This is not going to be held and then show that you have a balance or {$790.00} owed from the month before. This is one full payment that hey have split for what ever there reason. I am enclosing 6 months of payments to show that all of these payments were made per what they stated and now we have a new and different amount. Please help and look at why this never gets fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent a letter regarding Violations for unauthorized items/accounts on my consumer report. Pursuant 15 USC 1681a ( 2 ) Permissiabe Purpose of Consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am deeply disturbed by these fraudulent acts and I am demanding these items be removed from my consumer report immediately. or I will be seeking litigation. theses fraudulent violations have caused me to go in distress and I demand they be removed promptly.
Product: Credit reporting or other personal consumer reports

My personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As a result, I have identified three unrecognized collection accounts on my credit report that must be deleted immediately. 

The accounts in question are as follows : XXXX XXXX XXXX Account Number XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX