23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you with great urgency and frustration regarding a fraudulent collection account that appears on my credit report, allegedly owned by your agency. Despite previous communications, this matter remains unresolved, and I am now insisting on the immediate deletion of this account from my credit report. 
Account Information : XXXX XXXX XXXX XXXXXXXX- PLEASE REMOVE!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously disputed the legitimacy of the alleged debt associated with the account mentioned above. I have provided evidence supporting the fact that this account is the result of identity theft and fraud. Despite my efforts, this fraudulent collection account persists on my credit report. 
I am irate and deeply concerned that this matter has not been resolved promptly. The fraudulent nature of this collection account has not been proven, and its presence on my credit report continues to cause significant damage to my creditworthiness.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, I've sent several disputes on a hard inquiry that is being furnished on my credit report. XXXX XXXX XXXX This information being reported is inaccurate and has violated my rights. 
Under 15 usc 1681s2, you can not furnish information knowingly inaccurate.

15 usc 1681b2, I must give written consent to furnish which I never did.

This is not tied to any open account and being reported incorrect.
Product: Credit card

I purchased a solar system that was financed through Mosaic. At the time of signing the contract, I was informed that I would receive a {$10000.00} credit from the government after filing my taxes. This credit was intended to be applied toward the loan balance, bringing the account within Mosaic 's " XXXX XXXX XXXX '' range. 

However, upon completing my taxes, I did not receive the anticipated credit, which prevented me from meeting the target balance. I have been making consistent payments on this account for approximately XXXX to XXXX years. Despite this, the loan balance remains unchanged at {$54000.00}, with an interest rate of 1.74 %. 

I would appreciate clarification on this matter and an explanation as to why the loan balance has not decreased despite my regular payments.
Product: Credit card

I called the customer service number on the back of my credit card yesterday XX/XX/year> at XXXX EST and spoke with a representative to report four fraudulent charges on my credit card. The representative stated she opened a case to investigate the fraud charges but I did not receive any email serving as confirmation that TD is aware of my report. Therefore, I am also opening this CFPB case to timely report these fraudulent charges in writing to TD Card Services. Please reference the letter attached to this complaint.
Product: Debt collection

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i ( a ) ( 1 ), I have the right to dispute information that I believe to be incorrect or incomplete. It is your responsibility to conduct a reasonable investigation to determine if this information is accurate and correct or remove any information that can not be verified.

This information is negatively affecting my credit report, and as per 15 U.S.C 1681i ( a ) ( 1 ), you are required to conduct a full reinvestigation within 30 days and correct or delete any inaccurate or unverifiable information.
Product: Debt collection

I am writing to formally document and express my severe frustration and XXXX  over the continuous XXXX  by Credence Resource Management LLC. Despite my previous efforts to resolve this matter, including the submission of a cease and desist letter, the incessant calls and attempts to collect a debt I do not owe have not ceased. For the past several months, I have been receiving frequent and unwanted calls from Credence Resource Management LLC. These calls are in regard to a debt that I have repeatedly stated I do not owe. The persistence of these calls, despite my clear communication and legal request for them to cease, is both unwarranted and XXXX. On XXXX XXXX, 2024, I sent a formal cease and desist letter to Credence Resource Management LLC, explicitly stating that they should stop all communications with me regarding this alleged debt. This letter was sent via certified mail with return receipt requested, to ensure it was received and acknowledged. However, it appears that my request has been ignored, as the calls have continued unabated.
Product: Mortgage

Ocwen Loan Servicing , LLC, by assignment of servicing rights from XXXX XXXX XXXX , XXXX, caused homeowners mortgage loan to be foreclosed on by XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX Loan Trust XXXX. XXXX instructed the homeowners to stop paying their monthly mortgage payments and to apply for a loan modification, which XXXX failed to properly process. XXXX then declined the loan modification, but failed to explain why. XXXX then offered the homeowners to sell their home for a compromised payoff amount ( short sale ). Eventhough the homeowners had a cash buyer, XXXX failed to finalize the documents and thereby blocked the sale of the homeowner 's home. XXXX actions directly led to the related home being foreclosed on.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I led 2 separate police reports. These are the report numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I did not give any authority to anyone. I do not recognize them. They are being reported by a third party. There are several collections on all 3 of my credit profiles. I filed an identity theft report and asked each credit bureau to remove the information. They did not. Please remove these accounts from my report. They are hurting my ability to obtain credit.

There is also wrong information regarding where I live on all 3 of my credit reports. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. My residence needs to be listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple months, I have tried to have this collection account removed from my credit report. It is paid in full. I have emailed, called and left voice mails and mailed letters to have this removed. I have not received a response. I talked to the original creditor I owed the debt, and they said it should have been removed. Please, I just want it off of my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with this agency, nor have I signed anything or agreed to enter into a contract with this business at any time. They did not provide any paperwork or provide the original contract as requested. They have been reporting false and inaccurate statements on my credit report.
Product: Mortgage

I refinanced my home on XX/XX/XXXX after the death of my husband XX/XX/XXXX. The lawyer advised me that my PMI would drop off of my payment so to keep a watch out for the letter from my finance company Wells Fargo. We originally financed with them XX/XX/XXXX and was not aware at that time that the PMI should drop off and we paid it all those years. I received a letter from Wells Fargo dated XX/XX/XXXX that if I wanted to pay them $XXXX they would drop my PMI but if not it would drop off when I reached 78%. From my calculation, this PMI would drop off XX/XX/XXXX. On XX/XX/XXXX or so, I received another letter from Wells Fargo saying that as of XX/XX/XXXX, they would no longer cancel PMI automatically. I contacted Wells Fargo and am now being advised it will be another year before they will drop PMI. My loan amount XX/XX/XXXX was $XXXX.  My loan amount as of XX/XX/XXXX and payment due on XX/XX/XXXX was $XXXX XXXX. I have never missed a payment nor been late. Please advise as I feel they are doing me wrong.
Product: Money transfer, virtual currency, or money service

Im 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 investigated m6 claims adequately. They informed me that recovering lost funds was impossible and that tracking these 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. This lack of accountability and transparency is unnaceptable and raises serious concerns about consumers safety.
Product: Mortgage

A modified loan was made, I > payed {$500.00}, and an additional loan, XXXX XXXX  resulted, XXXX because of the fraud not handled. I was told by XXXX for the XXXX next 4 months not to send in the payment, wait for the > papers to come in the mail, and XXXX I owed nothing. At the XXXX same time I was being called in the XXXX month, that I was > behind XXXX payments. The agent saw the file, and said, no, I > was fine, and do not pay until the loan papers came, and I > owed nothing behind. Fraud, misinformation, resulted in > foreclosures, higher payments, additional loan. I was > victimized and I recently~ applied for FHA loan, but XXXX  has > late payments on m~ record. If XXXX took this off, I could > pay all of the loan ir 20 days. If XXXX  gave me a letter XXXX addressing what happenned to me, I would qualify for the FHA XXXX loan. > Print - Close
Product: Student loan

My Federal Student loans were serviced by Nelnet. In XXXX of XXXX, I finished paying off my student loans. I received payment in full notice for each of my XXXX outstanding student loans. In late XXXX my parents received a letter at their home stating that my loan was past due. As I had paid my loans in full, this was surprising. I called Nelnet and after XXXX hours on the phone I was told they had made a mistake I would be placed on Administrative Forbearance. I received another past due statement a few weeks later. Checking my account, I found I had not been placed on administrative forbearance and interest was accruing on these loans I had already paid in full. Another XXXX hour phone call and I was told they were just processing it and I didn't need to take any further action. It now XXXX of XXXX. There is still no forbearance on my account and the balance on loans I have paid in full is still there. Through email, I have requested written documentation of where this additional XXXX dollar balance came from. Both times I have received a canned response instructing me to call because " it is often difficult to discuss more complicated matters using email communication ''. I have paid these people. It is effecting my XXXX XXXX. I need it stopped.
Product: Debt collection

I received an alleged Delinquent Parking Violations Debt Notice from ARS National Services Inc. XXXX XXXX XXXX XXXX XXXX CA XXXX. Phone : XXXX. The alleged pertinent information is as follows : Claim of : XXXX Dept of Finance. Case # : XXXX ARS Reference No:XXXX Total Amount Due : {$230.00} as of XX/XX/2021. Letter date : XX/XX/2021 It states to reply within 30 days to dispute. I received the letter on XX/XX/2021. Obviously this is a bad business practice and needs further regulation and oversight. Permission to publish this is granted.
Product: Credit reporting or other personal consumer reports

i found a few accounts on my report i own businesses in XXXX states so iam always traveling my information been exposed and someone is using my information and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, these are the 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 XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam : I am writing to dispute the following information in my file ( files received from XXXX ). I have circled the items I dispute on the attached copy of the report I received. 

This item disputed is inaccurate because I have documentations of a reported phone call to Ditech in XXXX ( before the bankruptcy and closing of the company which occurred XX/XX/XXXX ) attempting to make payment. In reported phone conversation we had spoken on how our payment was not being accepted through our normal transfer. They then confidently proceeded to insist that they could no longer take our payments and we had to wait until the arrival of our new company by mail to pay for our current bill. With being falsely informed of this, they reported no contact from us and credited us for a 30 day late payment. In attached file it explains that we were not only credited once for a late 30 day payment but also on the following month. We had then contacted both Ditech ( who we were no longer in business with ) and XXXX ( our new provider as of XXXX ). XXXX had no documentation of a late payment and also included their policy of transferring to their business that they were not allowed to credit any late payments the first 60 days to comply to our adjustment of a new company. Ditech was not as compliant and due to their business being shut down, we are not able to reach any provider. Being wrongfully document for a late payment we did everything to have the Ditech resolve the issue but because they cant comply we had to further our complaint. I am requesting that the item be removed to correct the information. 

Sincerely, XXXX XXXX
Product: Bank account or service

I will be following this up with a letter to the bank, but thought this might be  another avenue  to reach someone. Recently I took my father, the accountholder, to the Comerica Bank branch in  XXXX   XXXX , CA. The purpose was to order a duplicate  XXXX  and copies of relevant statements on the account because we believe that funds were withdrawn without proper authorization. The statements will be needed for legal action, however, we did not relay that information to the staff at the branch.   Upon first speaking with th e Branch Manager, s he told us we had to go back to another branch to order the documents. That makes no sense since we can visit any branch to transaction business, why did we have to be inconvenienced by going to another branch to request documents.   Then we were told since the account was closed she could not provide bank statements. We understand there is a charge for copies of statements but she kept insisting that since the account was closed we could not request copies of statements. In fact, her last directive to us was that we had to serve a subpoena in order to receive those copies. By the way, the account had only been closed since  XXXX   XXXX  and the account has been opened since the late  XXXX  's.   I work in the banking industry and know about record retention and the facts as given to us were simply not accurate ( requiring a subpoena to obtain customer documents  ).    Lastly, we wanted to order a  XXXX  on the account since it appears to have been misplaced. Again, we were refused and told to subpoena documents.   When I asked to speak to her supervisor, she gave me their number fo r Quality Assurance  at  XXXX . I did in fact call that number and to this day have not received a call back. In fact, while in her office she called the same number and received a voicemail. I asked " What number do you have to call  as a Branch Manager wh o needs immediate assistance ''. She said she calls the same number. I wanted to immediately talk to someone of higher authority and was essentially refused.    XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX
Product: Debt collection

XX/XX/XXXX, company has sent letter of debt without original signatures or documentation. Company has sent a letter threatening legal action. I would like to see all legal documents with original signatures, due to many fraudulent cases occuring recently.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

I used the Experian website to temporarily remove a credit freeze on my account. The website told me my credit report was temporarily unfrozen for the time I requested. The credit union attempted to pull a credit report but was denied. I received an email from Experian telling me that they declined access to my credit report. I attempted to call Experian using various phone numbers and can not get out of the voicemail application. There is no selection that addresses my problem and I can not get a 'live ' operator or customer service representative. All I get is a message to mail a letter to them and explain the problem. Why can't we contact the credit bureau and why are they allowed to run their business this way?
Product: Debt collection

XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX  XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up  my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will Have my personal information so that the reporting agency can verify my identity In accordance with the fair credit Reporting act XXXX CHILD SUPPORT, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. have not given you written permission to put anything on my consumer report. 15 USC 51681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX  : account number XXXX -DEPTEDXXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Debt collection

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I sent several 609 dispute letters to experian, XXXX & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!