23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company provided a packet of disparate billing statements that do not satisfy validation of the allged debt. 

Cover letter did not contain : *An itemization of the current amount of the debt that reflects interest, fees, payments, and credits *The current amount of the debt when the notice was provided Company did not respond with proof they have permission to collect the alleged debt, nor did they provide proof they own the alleged debt. The billing statements provided do not constitute proof of ownership.
Product: Credit reporting or other personal consumer reports

My loan provider at the time, XXXX, assured me that it would help me find the best repayment options for my loans and promised that they would get me on a plan that could reduce my payments to as low as {$0.00} per month and help to forgive of any remaining balance after XXXX years of qualifying payments. They defrauded me! When my loan was sold, I called my current provider AidVantage and they told me that XXXX tried calling me several times during the time period that I was 'supposed ' to be late, however, I did not answer those calls, thinking that they were spam calls because XXXX XXXX already told me that my loans were in good status and that I didn't have to worry about anything else moving forward. XXXX has already been sued for widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, XXXX XXXX
Product: Mortgage

We have our mortgage loan through Cross Country Mortgage and made on-time payments until XX/XX/XXXX when we entered forbearance after my husband was laid off due to COVID. In XXXX of XXXX, we contacted the mortgage company to start resuming our payments and we were offered a COVID partial claim option for our past due balance and an updated mortgage payment amount going forward. We signed, notarized and returned the completed partial claim paperwork that was sent to us and returned it in the pre-paid envelope to the service provider. It was received on XX/XX/XXXX according to the tracking number. We followed up monthly with Cross Country Mortgage for status of the partial claim and when we would have access to our online account and applied payments. We were told that the partial claim had been approved in XXXX but that we needed to just allow more time for processing and for our account to be updated. The usual excuse was that they may be behind on processing due to the amount of requests. Starting in XX/XX/XXXX, we started to receive mail and collection calls from Cross Country Mortgage. We have since spoken to numerous individuals sometimes up to XXXX times a week starting in XXXX and have received no clear answers as to why the partial claim was not applied, even though they had clear documentation in their system that it was received and approved in XXXX according to several individuals that we spoke with since XXXX, XXXX. As of last week we have submitted more documentation for a loss mitigation solution which they claimed was required to complete our COVID partial claim request. Now we are being told that we no longer meet the time requirements for the COVID partial claim because they did not receive the paperwork that was sent out in XXXX, XXXX. As stated previously, the partial claim paperwork was signed by both my husband and myself, notarized and returned in the provided return envelope and tracking was provided with a received date of XX/XX/XXXX. We have also been making our adjusted mortgage payment since XX/XX/XXXX. We have been given misinformation since the start of this process and do not know how to proceed. We continue to make our adjusted mortgage payments and have submitted all extra documentation that they have requested even though it should not be required given our approval for the COVID partial claim. We are just looking for a resolution for something we thought was completed seven months ago.
Product: Debt collection

In XX/XX/2017 I received a notice from Professional Bureau of Collections of Maryland , Inc. claiming that they had purchased my student loan debt and offered me a chance to settle the debt for a lower amount. This is not possible as 4 years ago I consolidated my student loan debt through XXXX  and have been paying it off ever since.

I sent them a letter requesting validation of the debt and never got a response. Since I have no outstanding debts and since they were unable to verify my request I can only assume that this is either fraudulent or a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent letters of dispute under section 623 of the  FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report  the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
Product: Mortgage

I have made a payment plan to catch up my payments of {$740.00}. I have made the second payment on XX/XX/2016. Bank of America keeps sending people to my house even though, I have requested them not to, and they have agreed to stop doing it. But I found something on my door a note that somebody has left telling me to contact them. Bank of America is discriminating against me because I am a single female, they refuse to apply the payments that I have made. Another thing that Bank of America has said that I 'm behind for XX/XX/XXXX payment. I saw on my last statement that {$520.00} Bank Of America has put in the un applied funds besides toward the payment.
Product: Money transfer, virtual currency, or money service

I am to formally express my regarding Zelles handling of disputes, particularly in light with the CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle multiple times and reporting my discrepancies, my financial institution and Zelle have failed investigate me 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 unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : 823603 Please remove it from my credit report.

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXXXXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Debt collection

I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Bank Of America in XX/XX/2019. Pursuant to 15 USC 1635 Congress states that ANY consumer credit transaction in which a security interest was retain has the right to rescind the transaction and as well keep the car ( in this case ) and get their down payment back if its equitable to the consumer. It is equitable to me to keep the car and get my down payment back. Pursuant to 15 USC 1611 and 15 USC 1640 failing to disclose this information makes Bank of America criminally and civilly liable for this violation
Product: Credit card or prepaid card

I called to make a payment. Spoke with the representative and made the payment to pay the account off in full they took payment over the phone. We then filed for bankruptcy and made sure we didnt include that account in bankruptcy. We cancelled bankruptcy 4 days later. We never received any notices that there was a balance on this account and I was blocked from any access online to be able to check anything. They have ruined my credit by placing this false info on here.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX into my checking account with ALLY BANK. Due to past low checking account balances and overdrafts, Ally will not release the funds into my account until XX/XX/XXXX. The corporation that owns my apartment complex is giving all residents a 10 % discount on rent for XXXX if the rent is paid on or before XX/XX/XXXX. This will save me {$100.00}. Ally refuses to release the funds to my checking account. So instead of working with me, helping me through the Coronavirus pandemic and all of the other issues our country is experiencing with rents past due, evictions, higher food prices at the grocery store and everything else, Ally wont help. Im a handicapped senior citizen. I sold my car to make ends meet. I have no family. No one I can go to for help. Ally wont help me save {$100.00} I could apply for food!!
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained 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 White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XX/XX/XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

Company keeps on taunting me knowing I have XXXX XXXX they send me letters asking me to call them knowing they blocked my number. Today I received another such letter asking me to call, this gives me nightmares. Then they called me to taunt me again, they refused to provide an accommodation for effective communication and kept saying someone else would contact me about it. I did not know what company they were referring to, nor how whoever it was handling anything or who they were. They called me earlier in the month and hung up on me without accommodating my XXXX. When they called again today I told them I was recording the call and again requested an accommodation within the XXXX for effective communication. They acted like it was the 1st time I was making the request, they ran me in circles and kept me on hold an unprofessional amount of time triggering my XXXX. Then they came back from leaving me on hold, did not answer the question they had put me on hold for and tried to run me in circles again I ask that they stop running me in circles. I asked why each time they call it is like it is grounds hogs day and I need to begin my XXXX request all over again. I told them they had a burden as well. I asked them for any alternative accommodation and they refused to provide any. They then became abusive and hung up on me which will cause me XXXX XXXX. They do this intentionally to harm me knowing I am XXXX.
Product: Credit reporting or other personal consumer reports

Regarding my XXXX account, I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Checking or savings account

Letter received verifying the new application for a US Bank checking account on XX/XX/XXXX. 

We called the number on the card to dispute the opening of the account. 

No good resolution was reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to all 3 major credit reporting agencies. ie ; Experian, XXXX and XXXX, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however XXXX XXXX is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted XXXX XXXX several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.
Product: Money transfer, virtual currency, or money service

I previously submitted a complaint thru the CFPB regarding this company, and their response stated they took action to prevent their customer 's information from being sent to me. Again, on XX/XX/XXXX, I received an email stating that their customer received a transfer from someone. They, again, sent me all the transaction details for an account that does not belong to me ( transaction XXXX ). Xoom needs to delete my email address from their systems immediately. The email address is not registered to XXXX XXXX XXXX, and I should not be receiving transaction details - this is a violation of XXXX 's privacy rights. This is the third transaction I have received details for - in addition to XXXX on XX/XX/2019 and XXXX on XX/XX/2019.
Product: Mortgage

A CitiMortgage rep told me my new payment would take effect in XXXX 2016 when I called them to inquire about the start of the new payment. I made payment in XXXX 2016 for the new payment total. On XXXX XXXX, 2016 I received a letter dated for XXXX XXXX, 2016 informing me my mortgage account was in default and had been reported to the Credit Bureau. I had never received any notification of this issue prior to this letter. I called CitiMortgage to find out what this was about and after discussion found that the rep had misinformed me of the new payment start date. The new payment was actually supposed to start in XXXX 2016. The supervisor I was speaking with verified through checking previous notes that the rep I spoke with did misinform me of the new payment start date and apologized for this mistake. She said she would submit a request to the Credit Bureau to have the report corrected. Citimortgage has since decided not to make anything right with this situation and has refused to send me any documentation on this issue or remove the late payment from my credit report. The company falsely reported information to the credit bureau and is also causing my current refinance I am going through to fall through due to the late payment report from CitiMortgage on my credit report.
Product: Debt collection

They call XXXX times over a XXXX min period at the very start of my work day, XXXX a.m. they use a different number and a different agent and known of them are aware that they just contacted me. I have asked them to stop calling so much and during my work hours but they increased the number of calls lately. It's becoming a problem for me at work and my boss is starting to notice the non-stop non work calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX appeared on my credit report as a hard inquiry on XX/XX/year> without my consent or desire to apply for new credit.