23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX RMP LLC XXXX XXXX XXXX XXXX. In XXXX XXXX RMP- # XXXX Creditor Number XXXX- XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX TX XXXX XXXX While trying to obtain correct balance of a debit that XXXX XXXX XXXX XXXX XXXX XXXX. for medical services dated XX/XX/XXXX, that was never sent to me until XX/XX/XXXX. They forward to RMP LLC collection to immediately place on my credit report public records to force me to pay something that balance was wrong. Instead of working with me to correct the issue. RMP refused to request from XXXX XXXX XXXX XXXX XXXX XXXX documentation for the correct amount. I had to research of the information for RMP and XXXX XXXX XXXX XXXX XXXX XXXX. Thru XXXX XXXX XXXX XXXX ( XXXX ) of TX that XXXX XXXX XXXX XXXX XXXX XXXX was paid for their services under XXXX contract amount. Then XXXX XXXX XXXX XXXX XXXX XXXX, then forwarded the rearming balance requested by XXXX XXXX XXXX XXXX XXXX XXXX. Of {$2.00}, XXXX on XX/XX/XXXX after submitted at the request of XXXX to filing on my XXXX claim with my auto insurance XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Then sent update to RMP that I was correct and did not owe {$4500.00} but {$2100.00}. RMP employee stated payment number XXXX confirm payment, identified herself as XXXX and Manager identity himself as XXXX since I was correct about not owing that original amount and paid the correct amount, stated they would email me a letter saying the debit was paid in full and remove the collection from credit file. As of XX/XX/XXXX, I never received the letter stating debit was paid, nor did they remove the collection from my credit file.This is an example how collection agency uses the credit report system to file derogatory marks to force people to pay something they do not owe. Then after agreeing to the error they never remove the derogatory marks from the person credit file.
Product: Checking or savings account

CapitalOne hasn't provided me documentation for these disputed transactions. 
capital one reversed these charges and charged back to account upon the request of investigation documents and this has NOT been provided upon multiple requests. 


XX/XX/21 XXXX XXXX {$30.00} XX/XX/21 XXXX XXXXXXXX {$21.00} XX/XX/21 XXXX XXXX {$27.00} XX/XX/21 XXXX XXXX {$30.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an update on XXXX XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off
Product: Debt or credit management

I purchased some merchandise from XXXX XXXX XXXX years ago for my son and he didnt like them, so I had to return them, but for some reason it says that I returned one thing only, and thats not true because the manager at that time he was the one who made the return, and they keep asking me to pay for something that I dont have, called them many times to dispute that and the answer is ok then I keep receiving emails asking me to make a payment, someone did something wrong????? At XXXX XXXX and I am paying the price
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. I was informed that recovering lost funds was impossible and that tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety, due to confusing and missing disclosures.
Product: Debt collection

I've had my current number for 15 years at my present address. Over the years I've been getting debt collection calls for a XXXX XXXX. Apparently her information and the phone number associated with it has been repeatedly sold and turned over. The latest company calling is Sunrise Credit Services. They called last week before XXXX, hung up the phone. They called yesterday XX/XX/20, hung up the phone. This time I called back and said there's no XXXX XXXX at this number, has never been one. I've had this number for 15 years, stop calling. They called again this morning before XXXX, and hung up. I called back and told them again, no XXXX XXXX. I'm filing a complaint. The both times I spoke to them I was told my number was being removed. Apparently it wasn't if they're still calling. My phone number is being circulating with the name XXXX XXXX to collect a debt and I've repeatedly said I am not XXXX XXXX and I am not her. The company is called Sunrise Credit Services with a XXXX, Maryland number of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information. 

Specific Accounts in Question XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization. 

XXXX XXXX XXXXXXXX XXXX ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question. 

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations. 

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice. 

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization.

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report.

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from Citibank on XX/XX/2019 dated XX/XX/2019 welcoming me to my new checking account with Citibank. On that same day, I received bounced checks and several other pieces of mail regarding this FRAUDULENT account opened in my name with my SS # and address. I immediately phoned Citibank ( XXXX ) and reported that the account was fraudulent and was told that the account would be closed and the Credit companies contacted to report it was a fraudulent account. I requested a letter confirming this and was told I would be sent one ( I did not get the name of the agent ). I was told they would transfer me to the Identity Theft Department and when I got on the line with that dept. they would not answer any of my questions but rather told me that they are offering me a service to fix my identity theft ( XXXX ). I ended that call because I wanted to speak to someone who would tell me how this person succeeded to open this account ( ie. what information about me did this person have? XXXX. I phoned Identity Theft Solutions Dept ( XXXX ) again the next day and requested to speak to a Manager. I spoke with XXXX, and told him that I wanted to know how this person opened this account and what information did they provide about me other than name, SS # and address. He told me that he could not provide that information and also told me that he understood my frustration and would have someone call me back to answer my questions. I phoned again on XX/XX/XXXX, asked for XXXX and was told he was not available and I left a message for a call back. I never received a call back from either XXXX or the person that would answer my questions. On XX/XX/XXXX, I received a letter from Citibank telling me that the change of address I requested on this FRAUDULENT account had been changed per my request. I phoned ( XXXX ) to find out if the account was closed, provided my SS # and the account number and was asked for my security password. I explained I did not have the security password because it is a FRAUDULENT account and the agent would not tell me if the account was closed because she could not " verify me ''. I have made 5 calls with long holdtimes to Citibank and have never received confirmation that this account has been closed, that it will be retracted from any credit reporting or to receive information about how this person verified they were me when opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX3, 2017
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Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
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Credit Union
Navy Fcu
Inquiry from XXXXXXXX XXXX, 2017
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Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
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Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
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Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

The address XXXX XXXX  is inaccurately reporting on my credit profile which is a violation of my consumer rights. The correct address, attached, is not on my profile. This needs to be removed as soon as possible.
Product: Debt collection

Only XX/XX/XXXX. XXXX XXXX XXXX a Debt Collector, seized and Repossessed my Vehicle without consent or knowledge, my Original Leinholder is American Car Center, who went bankrupt, from XX/XX/XXXX to XX/XX/XXXX I paid all my payments on time, once these People look over my loan they tried forcing me, restart my loan with them, I tried setting up auto payment with them, which they set up @ {$250.00} ; yet, recieving my payments they never were crediting to my account, claim I was XXXX  days behind. I never signed anything with them, they repossessed my car and still were taking money out my account after they repossessed my car. I had to canceled all my cards and now bout to get evicted from my house as a result, documents provided
Product: Debt collection

Creditor continues to remove and reinsert this debt without sending me a written notification of my right to dispute this debt as required by law.
Product: Student loan

Through cfpb, I submitted a complaint and Mohela responded saying that I am due a refund. They said it would take 60-90 days from XX/XX/XXXX. It has been 90 days and I have not received the refund.
Product: Mortgage

I'm working with HUD certified agency XXXX XXXX XXXX. My sale date is XX/XX/XXXX. On XX/XX/XXXX I was told by lender that I'm not eligible for Loan Modification because application was suppose to be submitted 37 days before sales date & I requested a Deed In Lieu over the phone on XX/XX/XXXX & I was by XXXX told that XXXX XXXX XXXX option will be reviewed as long as the request and application is received 10 days before sale date.On XX/XX/XXXX Application was received when I spoke with XXXX XXXX. On XX/XX/XXXX We spoke with XXXX XXXX and he said application was incomplete but wasn't able to explain and the department would mail the reason for incomplete and wouldn't explain over the phone. On XX/XX/XXXX We spoke with XXXX XXXX and said no updates and application for Deed In Lieu is under review and was told to call back in a couple of days.On XX/XX/XXXX after being on hold for a while system requested that I leave a voicemail for a call back, I never received it. On XX/XX/XXXX we spoke with XXXX XXXX and told me application was terminated on XX/XX/XXXX because my application should have been submitted 37 days before. I want to do a Deed In Lieu, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights Violated Under Fair Credit Act ( 15 U.S.C. 1681 & 1666b ) Account Number XXXX I hope this message finds you well. I am writing to bring to your attention that my rights, as outlined under the Fair Credit Reporting Act ( FCRA ), have been violated. 

Specifically, I believe violations have occurred under the following sections of the FCRA : 15 U.S.C. 1681 Section 602 : This section addresses the requirements for consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information provided in consumer reports.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section pertains to the limitations on the disclosure of consumer reports to authorized parties.

15 U.S.C. 1666b : This section covers the requirements for credit card issuers to provide clear and timely disclosures of important credit card terms to consumers. 

I kindly request your attention to this matter, and I am eager to discuss the details further to resolve the issue promptly and amicably. It is my utmost priority to ensure that my rights are protected under the Fair Credit Reporting Act.
Product: Debt collection

My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account # XXXX. Account Has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 beleive that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies.

Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies.

Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, i had my credit report ran and noticed a medical bill was {$100.00} was on there through XXXX XXXX. I called the number on credit report and found out it was a medical from my previous primary doctor when I lived in Indiana nearly 3 years ago. I never received any letters from anyone pertaining to this bill. I did pay this bill off and asked the debt collector if this could be deleted from credit report and all they would do is show it paid in full.