23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint through CFPB ( XXXX ) saying : The national recovery agency , acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue. 

The company pursuing it said : NRA Group , LLC is in receipt of the consumer 's complaint. Based on our records XXXX XXXX was sent documents establishing the debt, on XX/XX/XXXX XXXX However, as this debt at issue is, based on our records, the the debt is a repayment obligation from her employer, and therefore, an argument could be made that the debt at issue does not fall under the category of consumer debt, and as this debt could be considered not to be consumer debt, an further argument could be made that the debt in question is not covered under the Fair Debt Collection Practices Act ( FDCPA ) or be regulated by the Consumer Financial Protection Board ( CFPB ), and therefore no further response is required. 

and then closed my case. Why was this closed when it is not resolved? Them just saying we sent you letter is proof enough? I need proof of debt verification.
Product: Credit reporting or other personal consumer reports

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

I called the bank BBVA compass who holds my mortgage to inquire on the amount for me to pay o my principle to be able to cancel my payment mortgage insurance. The bank refused to provide me with that information. They also refused to give me information on how to calculate the payoff amount for me to get to 80 % loan to value ratio.
Product: Debt collection

Student Assist Corp keep calling. I do not have any student loan since not a student for decades. They keep calling by getting my phone from phone directory. They left message to call them back at XXXX. They call two or more times and daily.
Product: Debt collection

I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> requested information about the account. They did not provide account information. this company XXXX XXXX XXXX - XXXX collection is not licensed to collect debt in the state of XXXX This account is not mine. Account number XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XXXX Date : [ Insert TransUnion Dispute Department XXXX XXXX XXXX  XXXX, PA XXXX Subject XXXX Formal Request for Verification Documentation Account [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to follow up on the results of my dispute regarding the XXXXXXXX XXXX XXXX account XXXX XXXX ] that appears on my credit report. I received your response stating that the account was Verified as Reported. However, no documentation or evidence was provided to support this verification. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proof of verification, including the documentation used to verify the accuracy of the reported information. Therefore, I am requesting the following : XXXX. The name and contact information of the entity that verified the debt. 
XXXX. Copies of all documents used to verify the account, including any contracts, payment history, or correspondence with the original creditor ( XXXX XXXX XXXX ). 
XXXX. Proof that I was properly notified of this child support obligation and that proper procedures were followed when reporting it to the credit bureaus. 

I am disputing this account due to several inaccuracies, including the reported balance, payment history, and account status. Without the requested documentation, this account must be removed from my credit report as unverified information can not be legally reported. 

Please provide this documentation within 15 days of receiving this letter, as required under the FCRA. Failure to provide proper verification will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above or via email at XXXX. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 to be removed.

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

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


XXXX 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since being a Victim of XXXX  XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with Experian and they refuse to remove the fraudulent trade lines off my credit report. 

How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.
Product: Debt collection

Hello, its unfortunate that these two accounts from National Credit Adjusters have re appeared on my report that were currently removed! Validation or signed agreement was never sent! I also didnt receive an reinsertion letter in mail within 15 days which is Another VIOLATION!
Product: Checking or savings account

Ive been a customer of Chase Bank for 22 years. My Mortgage, checking, Credit Cards were all with Chase Bank. I also had a XXXX nonprofit account with XXXX XXXX  which I started in XXXX to help XXXX patients and hardships in my community. I decided since most of my transactions were with Chase Bank I would move my XXXX there. On Monday XX/XX/XXXX I had a meeting with a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, NJ, XXXX. After writing a check of {$26000.00} XXXX XXXX told me there would be a hold on my money till it cleared, ( never mentioned a 9 day period ) I was aware of that process because Ive done this before and normally had access to my funds in 3 days. I kept looking at my account and did not see my funds, I called XXXX XXXX and she said it would be held for 9 days. I told her I was going to close the account and she saidyou still can not take your money till it clears. I told XXXX XXXX I called XXXX XXXX  and was told the money had cleared. I feel my money is being held hostage by Chase to use as they wish for 9 days. XXXX XXXX never discussed the time frame of clearing, if she told me 9 days, I wouldnt have opened the account. This money is crucial to XXXX patients going through treatment for free services with Wigs, Turbans, mastectomy Bras, Pre-Cooked meals while in treatment. I think Chase should be held accountable for this since there is no reason my cash is on hold after being cleared by XXXX XXXX. 

Thank you, XXXX XXXX/ Founder
Product: Debt collection

I have asked target to remove this account from my credit report. I have never asked to be an authorized user on a target card nor have I ever used one. This is fraud! Target sent a letter stating they couldnt find me on an account. However XXXX  has refused to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Child Support is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Product: Debt collection

ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO XXXXXXXX XXXX XXXX REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT # XXXX {$950.00} REFLECTING ON MY XXXX XXXX XXXX XXXX AND XXXX XXXX REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, XXXX, XXXX STILL CONTACTED ME REGARDING SAID DEBT ( S ) ON TWO ( 2 ) OCCASIONS AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE 3 CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. IN ADDITION, XXXXXXXX XXXX XXXXXXXX HAS MAILED ME WRITTEN COMMUNICATION REGARDING SAID DEBT WITH TWO DIFFERENT SPELLINGS THAT AREN'T MY FULL AND CORRECT LEGAL NAME AS NOTED ON BOTH MY BIRTH CERTIFICATE AND WI DRIVER LICENSE. THE CONSUMER REPORTING AGENCIES HAVE RECEIVED A COPY OF MY WI DRIVER LICENSE REFLECTING MY FULL AND CORRECT LEGAL NAME. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THIS ACCOUNT.
Product: Checking or savings account

I am having a problem with my cash app. They closed my account but still accepted my direct deposit from my job and I can't get the remaining XXXX that is just sitting there. My cash app is linked to my email which is XXXX my phone number is XXXX my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX
Product: Checking or savings account

I was charged ( over charged ) fees when I had the money on my acct only for them to say I dont have it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score was decreased by 52 on XXXX and 74 points on Equifax. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.
Product: Credit card

I paid {$4500.00} to the lawyer as a retainer fee for my case. And the law firm requested me to pay another {$3500.00} for the bench trial in advance and promised me a refund if my case did not go to trial. So I send the money to the law firm via XXXX using my Chase credit card. My case closed without going to trial, so I requested a refund from the law firm after the case ended. However, they suddenly changed their words and refused to refund me. So, I submitted a dispute to Chase with all supporting documents demonstrating that the charge of {$3500.00} was for the bench trial fee and there was no bench trial. Also, I demonstrated that I had already fulfilled all my obligations for the payment stated in the contract, such as retainer fees and extra fees. However, the attorney did not provide the evidence of the service provision, and Chase closed the case without considering the law firm 's lack of evidence.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Product: Money transfer, virtual currency, or money service

Purchased item from XXXX add. Used PayPal as payment. They did not send me the item I ordered. PayPal says I can get refunded if I ship item back. Item said it was coming from USA. I need to ship item to XXXX according to PayPal. The shipping cost which needs to have tracking according to PayPal will cost XXXX dollars. Just a little more then what I paid for the item.
Product: Mortgage

PHH Mortgage acquired our mortgage several months ago. In early XXXX, we received an email to prove that we had homeowners insurance. This was done via fax on XX/XX/20. Additionally, we submitted the information through their portal. We also called PHH and our insurer. At the same time, we received notice that our homeowners insurance from XXXX XXXX was going to expire on XX/XX/20. It was due XX/XX/20 but it had not been paid by PHH. 
After multiple phone calls, a fax and online sumbission - PHH issued payment on XX/XX/20. On XX/XX/20, I contacted our homeowners insurance agent and was told that the payment was still not received. In order to prevent cancellation of the policy, I paid {$2200.00} to XXXX XXXX. As of XX/XX/20 - XXXXXXXX XXXX still has NOT received the payment from PHH mortgage. Obviously, PHH collects money monthly for our insurance. How can they be allowed to not pay the insurance in a timely fashion? And it cost us and extra {$2200.00}. Thank goodness we were able to do so - what about people who would be unable to double pay thousands of dollars?
Product: Credit reporting or other personal consumer reports

Nothing happened to the following account below : I requested that they update the OWE amount to -0- and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.
Product: Credit reporting

Equifax is not responding to my requests to investigate and remove one account from my credit report that does not belong to me.