23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX  v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with XXXX5 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed bankruptcy and had all accounts sans educational loans discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> in XXXX XXXX  I was involved in an accident that totaled my car which I was not at fault for. The car was deemed a total loss that next week and therefore placed into the hands of gap insurance and Im not sure why XXXX XXXX  marked it as a missed payment I have the insurance documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

My husband and I have a joint checking account. Unfortunately on XX/XX/2024 my husband was a victim of fraud. He received a call from area code and when he answered the person stated he was a XXXX XXXX he stated his name and badge number. The reason for his called was to collect fees for not attending jury duty. He said he owed XXXX for not attending. And that he had to paid immediately. Of course my husband got scared because he in fact has missed XXXX jury duties and got scared. The XXXX  provided him with his Full name and birthday and my husband really thought he was a police offer and proceeded to make the payment via an atm. The XXXX stated if he didnt make the payment he would go to jail. But when my husband made the first payment of XXXX $ thats when he said the XXXX was switching up his story and thats when he said he was going to the police department to figure this out. The man on the phone told him no not to go because he was going to get booked. Thats when my husband called me and was telling me a quick summary of what had happened and I told him immediately to go to the police department and file a police report. Then I proceeded and called my bank right away I told them what happened they said they were going to help and solve this problem yet once they concluded their investigation they denied the claim and said it was not fraud since my husband did pin validate the transaction. So we are lost for XXXX XXXX
Product: Debt collection

This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of a data breach, identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at chime on XX/XX/year> under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of a data breach, identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX  {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Product: Debt collection

I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX  XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}. 
However this debt was included in my bankruptcy that has already been discharged as stated above. 

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt. 

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either. 

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response? 

I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents. 

Attached you will find the documents that provide proof that XXXX/XXXX XXXX  XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX   balance.
Product: Debt collection

I initiated a complaint about transworld purchasing a debt from XXXX XXXX Complaint ID : XXXX I still havent received the account validated Debt letter with ledger in the postal mail. They began calling non stop after I asked them to stop calling. I told them I would take care of the full the tradeline is deleted. If not, I will settle the debt for 60 % of the total if it must remain on my reports, I can wait out the 7 years until its not eligible to be reported in my credit any longer or I can add it to my current bankruptcy claim to never be paid.
Product: Mortgage

We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX   with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Product: Mortgage

I advised BSI Financial Services, XXXX XXXX XXXX, XXXX, PA XXXX to immediately cancel my Automatic Payment Plan ( ACH ) after I received a letter dated XX/XX/2020, for the following reasons : 1. BSI 's Website does not allow customers to change their payment date, 2. BSI 's ACH does not allow me to pay electronically from my bank directly to BSI, 3. BSI 's Website did not disclose all possible fees in advance, 4. Despite repeated attempts to contact BSI 's Customer Service, including 40 minutes on hold attempting to get an explanation of these issues, finally the recording said I would receive a call back, but after 10 days, I received no call back, I have determined dealing with BSI 's ACH is just not worth it. 

I am filing this complaint to share my anger at receiving this level of customer service, my home loan was sold to BSI without any input from me. I have a very high credit rating and would think that signing up for auto pay is something BSI would welcome and make it easy for all parties, not send threats of penalties and strict rules and not even answering their phone. 

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

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Jefferson Capital Systems has been persistently reaching out to me, even though I've paid my debt with the original creditor. Just last week, a representative from Jefferson Capital Systems contacted me regarding this account and inquired about my payment plans. I explained that I had already paid the original creditor in full. The representative claimed he had no way to verify this payment or contact the original creditor. I informed him that this was unlawful and violated the FDCPA and FCRA, as they continue to report the debt as unpaid. The representative argued and said the best he could do was mark the account as disputed. Payment Confirmation Number XXXX was paid directly to the original creditor XXXX.
Product: Debt collection

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Product: Credit card or prepaid card

A charge was made on my chase credit card on XX/XX/2019. It was a charge that I did not make. It was a purchase on amazon, in the amount of {$280.00}. I first called amazon about the charge. The order was not made by my account and I was told by amazon to call my bank and report the fraud charge. I called chase and reported the unauthorized charge in my credit card. They refunded me money at first but charge it back on my account. When I called them, upon review with their fraud team they do not consider my charge that I did not make and a transaction that does not appear on my amazon account a fraudulent charge. They stated that the merchant provided tracking number for a package that was sent to my address. Mind you I have never received such package. As I explain that I did not authorize the charge and I also did not receive any package, one of the reps told me that I should have not filed the claim as a fraud and I should have filed is as a item that I did not receive and I had only one shot to make the claim. I have this persons direct line and voicemail. I went ahead and called amazon, they are at fault at this as well. So while we dig more into this charge they tell me that the email used to make this charge is a unverified email, being unverified they can not provide me a refund and that the credit card should refund me. As we dig more into the charge, the amazon rep. told me that the charge was at XX/XX/2019 but the seller shipped the item XX/XX/2019. Amazon rep. Told me to call the bank again and dispute the claim once again. I message amazon to see if they can provide a written letter of the findings of the card was fraudulent but was told they can not provide such letter.
Product: Checking or savings account

My XXXX XXXX Account was compromised and my account was almost completely wiped before I locked my debit card. I reached out to XXXX but their customer service process requires me to request a call back, which I submitted XXXX days ago, along with an email and I havent received a response. Theres no other way to reach them. 

Here are the charges that were made on my debit card/checking account. All these charges were made in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, XXXX ) Date : XX/XX/year>XXXX XXXX XXXXXXXX AM Amount : {$200.00} Status : XXXX XXXX ( XXXX XXXX, XXXX  ) Date : XX/XX/year>XXXX XXXX XXXX  AM Amount : {$420.00} Status : XXXX XXXX ( XXXX XXXX, XXXX  ) Date : XX/XX/year>XXXX XXXX XXXXXXXX AM Amount : {$420.00} Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year>XXXX XXXX  XXXX AM Amount : {$1.00} Status : XXXX XXXX XXXX ( XXXX, XXXX  ) Date : XX/XX/scrub>XXXX XXXX XXXXXXXX PM Amount : {$200.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXXXXXX PM Amount : {$1.00} Status : Declined - XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles 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 my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, 1999. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.