23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

OnXX/XX/XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not  possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage Transunion, XXXX  and XXXX   and have been unsuccessful or they don't care to reflect the correction this situation requires.
Product: Student loan

XXXX  XXXX XXXX  is not reporting the payments I make each month to XXXX, XXXX, and XXXX. I reached out to then Via email and they said they send the information over to all 3 credit bureaus and theres nothing they can do about it. I have reached out to all 3 credit bureaus and each advised that XXXX  XXXX XXXX simply is not reporting my payments. The only payment they are showing is for XX/XX/XXXX nothing after XX/XX/XXXX.
Product: Debt collection

The company placed this account on my credit report. The company involved was paid by me. Granted it was AFTER they turned it over, but none-the-less, they were paid. I still have the same services with them with the same phone and internet number. I would not have been able to continue with them if I owed this debt. My credit report shows a 100 % perfect payment record with ALL of my creditors. Why would I not pay XXXX and allow it to go on my credit report.
Product: Checking or savings account

In XX/XX/2017 my data was breached and the last two years have been terrible. Now Bank of America has charged My accounts for fraud charges and added countless fees. My credit and financial security are being affected
Product: Mortgage

incorrect information on the short sale of my vhda mortgage. very inaccurate information.
Product: Debt collection

I have been contacted by XXXX XXXX on several occasions, each time they call I ask them to provide proof in writing that the debt they are trying to collect is mine. Each time I get we sent an email, I have checked my email accounts and I have never received an email. I asked them to send it to my address on file and they refused. They are currently reporting thus collection to my XXXX and XXXX credit reports and I havent received anything proving that this debt is mine.
Product: Credit reporting or other personal consumer reports

My account with 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 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 months there are late payment remarks 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Debt collection

I enrolled in a Debt Relief program with Freedom Debt Relief [ FDR ] in XX/XX/XXXXXX/XX/XXXX. I was told that it was better because they could better negotiate with creditors and often make deals with them. They, also, told me that it would help salvage my credit score that would normally take a great hit. This was important because I am in the XX/XX/XXXX and I can lose my job based on credit score. I made this clear to FDR. I agreed to pay $ XXXX month [ their estimate to settle the debts ]. They settled one of the debts in XX/XX/XXXX when I had accumulated {$3000.00} in my account. Having settled the account terms, FDR took {$2700.00} in fees upfront. They applied $ XXXX/mth to the settled account and take $ XXXX/month in fees. Having exhausted all the funds and applied the total amount toward the one account, there is no money to settle the other accounts. Now, I am told that I must pay more money in order for them to proceed with negotiations on the other accounts. In the meantime, my credit score has dropped from XXXX  to XXXX. It will continue to drop unless settlements are made. I discovered that one of the unsettled accounts, XXXX, DO NOT work with debt relief companies. I was not informed of this when I signed the agreement. Either FDR was not aware or they chose to withhold this information. I have difficulty believing that FDR was unaware that XXXX does not negotiate with debt relief companies as they told me they did large buyouts with them. I am, now, on my own to salvage my credit score and my job.
Product: Credit card

Chase Credit Card Bank, after I had closed my account and paid off any and all outstanding balance, for which they gave me confirmation of receipt of payment, created new debt on that closed account. I was unaware off this till I received a letter of debt collection months later, not in the form of account statement, claiming principal, interest and late fees while they were no longer sending me correspondence nor statements, as the account was closed. They have maintained a rigid and dishonest/abusive posture, at no time did they openly acknowledge the payment I had made to close the account, not honoring the confirmation of receipt of payment number they had issued me. The person handling the case at the executive office, XXXX XXXX, demonstrated a total lack of ethics, of basic honesty and of basic decency in my repeated dealings with her. The only way for this person to answer my requests has always been following my repeated complaints with the CFPB. As the agency has no power to arbitrate, XXXX XXXX has been free to bully me without any sign of human conscience whatsoever into paying the debt illegally created by the credit card department at Chase. 
I have recently requested from her a final statement in order to cut my losses, stop the abuse and dissociate myself from such an institution and such an individual. 
So far my request has remained unsatisfied. 
As I can not fight the case via this agency, and I do n't reside in XXXX, DE to defend my case in person, I hereby reiterate my request for a final statement in order to pay what she/the bank wish to extort from me.
Product: Student loan

I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.
Product: Consumer Loan

I make my car payment every month over the phone and usually they call me. I make the phone call to make the payment over the phone and I told the lady that I did n't have my account number with me ; after she asked me many questions at the end she asked for the last digits of the accounts otherwise I was not going to be able to make the payment. After all that time wasted she ended up saying that to me?? 
I insulted that woman ; then I asked for the supervisor and she hanged on me when I was explaining her what happened. 
I told them I 'm making a payment. Can you believe that? 
I was n't withdrawing any money from them. 
The customer service representative never ever mentioned that she was asking for the checking account number.
Product: Credit reporting or other personal consumer reports

TD bank is reporting incorrect information. A bankruptcy was filed on XX/XX/year> and The acct was included.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JXXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, US SM BUS ADMIN XXXX with an inquiry date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to my records, I have not received a 1099-C form from XXXX XXXX XXXX XXXX as required by the Internal Revenue Service ( IRS ) for the cancellation of debt. The lack of a 1099-C form indicates that the lender has not officially canceled the debt, and therefore, the charge-off should not be reported on my credit report.
Product: Debt collection

On XXXX XXXX ; a Written Contract was signed by my spouse to begin a Kitchen Remodel with XXXX XXXX XXXX.. Contract total was changed 3 times because of incorrect prices/figures/measurements, and damaged material..Most recent Contract signature was XX/XX/XXXX of the corrected copy was delivered by their Project MGR. 
The 1st contract gave us a total of {$52000.00} of which {$26000.00} was financed by a XXXX XXXX XXXX ACCOUNT ie. ( Credit Card ). We have been paying $ XXXX MONTHLY without interest for 1 year ... We had the final Walk thru on XX/XX/XXXX whereby the Project Mgr. and Scheduler performed ... We were totally dissatisfied once again because the Contract total was completely different from the Contracts we had in our file.. We mentioned that until the total and incomplete work was completed we would not be paying any other monies except the Credit card monthly payment ; which has a pay off balance of {$12000.00} plus {$2400.00} interest =TOTAL {$14000.00}. We have never had a past due payment! Project Mgr. and Scheduler stated they would get back in a few days and or email the corrected Contract as well as a Resolution for the UNSATISFACTORY KITCHEN REMODEL ... REGIONAL AND CORPORATE OFFICES WERE NOTIFIED VIA TELEPHONE ... ..To date ; we have had no Communication/correspondence from them at all! 

However ; ON XX/XX/XXXX, we received a letter/memo from an Attorney 's office in XXXX, Wa. recommending an Additional amount BE paid in full of {$36000.00} WITHIN THE NEXT 30-45 DAYS. 
Additionally {$3600.00} OF charged work was NEVER completed for our two bathrooms BECAUSE THEY KEPT CHANGING PRICES AND WE DECIDED TO CANCEL THE BATHROOM REMODEL!
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am submitting this complaint regarding XXXX XXXX and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX Data Breach. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1.XXXX Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 2. XXXX XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 3. XXXX XXXX XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts 4. XXXX XXXX XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XXXX. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in regards to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times my financial institution has failed to review my claims within a timely manner. They notified me telling me recovering the lost funds was impossible and tracking the transactions was infeasible. The CFPBs findings not only indicate Zelle has not only neglected to protect its users data but also allows repeat offenders to exploit their system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) The document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts be blocked and deleted company information Experian. Please deleted the following accounts. 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX XXXX  and Equifax to remove errors in my credit report many times and they will not remove this account from my credit report. XXXX XXXX XXXX  has verified this as being correct. 

This account is Account Number as it appears on my Equifax Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXXXXXX XXXX  XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with XXXX XXXX XXXX  ( Error 3 ). This was 24 days after the XXXX XXXX was filed. XXXX claims this was charged off ( Error 4 ). Months Revd 75 This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date XXXX XXXX. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by XXXX XXXX XXXX. By law FCRA section 609 and 611 requires XXXX XXXX XXXX  and Equifax to report information accurately or remove the account from my credit report. 16 Errors are visible.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to report a case of identity theft involving fraudulent addresses and accounts. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. Below are the details of the fraudulent addresses and accounts : Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request your assistance in investigating this matter and taking appropriate legal action against the individuals responsible for this identity theft. I have taken the necessary steps to secure my accounts and personal information. Please let me know if there are any additional details or documents you require from my end. I've attached a copy of my ID, Utility Bill and my Social Security Card. 

Thank you for your prompt attention to this matter. I look forward to cooperating with your investigation. 

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

I need to submit a request, and it's not allowing me to upload anything to submit the dispute. 

It's due to XXXX XXXX  and should be resolved in 4 days ; however, it will only allow me to mail something in.
Product: Debt collection

On XX/XX/XXXX I receive a note on my door showing an intent to file a lien on my home. I never received a verification letter. On XX/XX/XXXX the company received a validation letter via certified mail from me. At the end of XXXX i receive another letter stating that the company started the process to place a lien on my home after never responding to my letter. I called the company stating they never responded to my letter and sent the receipt showing of when the letter was mailed with the tracking number showing when they received the letter. This company then sent an email with information 99 days after receiving my letter and is still trying to collect this debt.
Product: Debt collection

So I had received a call saying a owed money for XXXX XXXX XXXX XXXX but i thought it was a scam and i cut the call. However, I received a main XX/XX/2021 stating that this was an attempt to collect debt. I contacted XXXX  and they said I don't owe anything and nothing was reported for collection. I called the number on the letter and they stated that enterprise doesn't have information on this, which is clearly not true. I genuinely think this is a scam because I have never rented a car with XXXX and and confirmed with them too that I don't owe anything.