23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is falsely reporting on my credit. Per my research XXXXXXXX XXXX XXXX is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below : A person may not procure or cause to be prepared and investigate consumer report ( 1 ) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure ( A ) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with XXXX XXXX XXXX. Im requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking {$1000.00} per violation for : 1 : Defamation 2 : Negligent Enablement of Identity Fraud 3 : Violations of 15 U S C 1692g
Product: Debt collection

Hello, This in regards to The Lawsuit against XXXX XXXX XXXX whom filed for Bankruptcy and voided our contract. Now, the financial institution called Goodleap is still trying to collect monies from me when this Bankruptcy is still in session. Goodleap is trying to have another company take the place of XXXX XXXX XXXX, but I don't want the company or any XXXX anymore. I do not want another company, I want them to only take these panels off of my Home Please. That's all I want, I'm not signing any new contracts at all. So, please tell Goodleap to leave me alone, they will not receive anymore payments from me for these faulty XXXX panels I've had for over 2 yes with no less of a bill. So that's what they can do, schedule someone to come get this cheap stuff my home and fix my roof back. I really want my money back also, Thanks.
Product: Debt collection

Kohl 's XXXX XXXX started calling my cell phone : XXXX on XX/XX/XXXX. 
I saw the first call, went online and noticed I missed my bill due on XX/XX/XXXX. My new payment due was {$150.00} and I scheduled an online payment for XX/XX/XXXX for the entire {$150.00}. 
I received 2 more calls after that payment was scheduled on XX/XX/XXXX at XXXX and XXXX. 
I received another call from Kohl 's on XX/XX/XXXX at XXXX. I went online again and made another payment, this time for just {$19.00} since I had already setup the total due to be made. 
I received a voicemail that night around XXXX. 
With 2 payments now pending in the system for more than my total due, I have received another 2 voicemails and 2 calls each on XX/XX/XXXX and XX/XX/XXXX. 

This must be a FDCPA violation since payment has been made and still I am receiving calls from a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to Provide documents I have requested to Validate the alleged debt that is reporting on my consumer report. This is causing my financial hardship and needs to be resolved immediately!! 
I Contacted the creditor requesting Validation of the debt and asked for the original creditor. Received multiple responses that they did not investigate the request and did not provide the requested information due to the account number not being listed.. Requested the same debt be validated again this time including the account number that they reported on my credit report and once again received a response that they did not investigate the claim nor provide the requested documents to validate the debt..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : METHOD OF VERIFICATION REQUEST FOR DISPUTED ACCOUNT. 

Dear, Equifax I recently disputed an account on my credit report that is listed under XXXX XXXX XXXX XXXX XXXX However, after your investigation, you stated that the account has been verified as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am requesting the method you used to verify this account. Please proivide the following. 

XXXX. The name, address, and contact information of the the entity that verified the information, XXXX. A description of the specific process used to verify its accuracy. 

XXXX. Copies of any documents relied upon for verification. 

If you can not provide this information within fifteen ( XXXX ) days, please delete this account from my credit report as required by law. 

Please respond in writing to the address listed above. 

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

I paid a student loan in full on XX/XX/year>. In the amount {$1300.00} To the department of education in texas. Equifax refuses to report a XXXX balance. After disputing the account. Also uploading bank statements as evidence and confirmation emails from the department of education. They still report I owe a XXXX balance. Also transunion has agreed with me and reported a XXXX balance.
Product: Vehicle loan or lease

I have 4 late payments with Consumer portfolios SVCS because they keep billing me with to the wrong address and they never provide me the billing address they have and i have updated my address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX tow times with them but never been updated thats way i have late payments i call them many times to wave the late payments from my credit report and they refuse to do so and i am asking please remove the late payments i need to buy house for my kids and hurts my credit so bad thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an inquiry on my Equifax credit report that XXXX XXXX XXXX was pulling my credit report for a loan that was applied for with my personal information. This was an attempt of fraud and identity theft. The company is XXXX XXXX XXXXXXXX. I have disputed this with XXXX XXXX and XXXX XXXX. I have an affidavit where someone attempted to apply for a loan in my name and personal information. I also have a signed police report form. 

Equifax is refusing to remove this HARD INQUIRY from my report after I have submitted all of the documentation showing it was fraudulent activity. My credit report is on a freeze to help prevent any one else from stealing my personal information. 

Please help me remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute an unauthorized account that has been opened in my name. 

Account Details : Account Number : XXXX Date Opened : XXXX XXXX I want to clarify that I did not authorize the opening of this account, nor did I provide any personal information or consent for its establishment. 

I kindly request that you investigate this matter and take the necessary steps to close the account immediately. Additionally, please provide me with any relevant documentation associated with this account, including application details and any identification used to open it. 

I am concerned about the potential impact this may have on my credit history and personal finances, and I would appreciate your prompt attention to this matter. I have attached copies of my identification and any supporting documents for your review.

Please confirm receipt of this letter and keep me updated on the status of my dispute. I appreciate your cooperation in resolving this issue swiftly. 


Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I used remitly service to send {$1900.00} to XXXX The transaction was done on XXXX XXXX XX/XX/2019 The money was suppose to get transferred on XXXX th XXXX Today is XXXX XXXX XXXX but no updates Due to delay I occurred a loss as the money was sent to pay up my home loans The customer service is not able to solve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED EQUIFAX TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO XXXX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED EQUIFAX TO UPDATE MY BALANCE WITH XXXX. THEY ALREADY HAVE THE WRITTEN PROOF FROM XXXX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.
Product: Mortgage

California Bank & Trust is a divisions of Zions Bancorporation, XXXX. 
I was disputing escrow payments and finalizing a loan modification in early XXXX. I was told that escrow payments for my property insurance would be removed once I 1 ) signed the loan modification agreement 2 ) allowed for a couple of new loan modification monthly payments to process and 3 ) paid off the balance on the escrow. I did everything the bank asked and paid {$3700.00} on XX/XX/XXXX. I mailed a letter requesting removal of the escrow on XX/XX/XXXX and the bank said my request was denied. Now I have to pay a higher mortgage every month and I can't pay my monthly bills. XXXX misrepresented themselves to me and explicitly told me they would remove the escrow payment if I would just sign the loan modification documents. The misrepresented themselves again when they told me to pay {$3700.00} and they would remove the escrow payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due XXXX XXXX XXXX k.
Product: Credit card or prepaid card

Hello, I am writing to tell my story about what happened at the TJ Maxx store on XX/XX/2019. This store is located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The reason I would like to voice my complaint is because although I called the store and complained to the manager and also their credit card company, nothing has been done to stop the illegal credit card application that was done by their employee. In fact, this woman is continuing to harass other customers the same way and when a friend of mine complained after I did, the manager told her that was their beat employee! 
On XXXX XX/XX/2019, I was shopping in the store and headed to the check out area. On the way there, a TJ Maxx employee came over to me and said no, no, Ill take you here at the jewelry counter and it will be quicker. So I went to her station at the jewelry counter and I did not have my TJ Maxx credit card on me and I will pay with a different card. She then proceeded to tell me there are special deals with your card and tell me your phone number and address and I will look you up, so I started giving her the information. When she asked for my social security number I became flustered and gave her the wrong number because I didnt know why she would need that information. She shoved a pamphlet in my bag with my purchase and when I got to my car, I realized that was a credit card application! So I had to go back to work, but I called the store on my way back and explained what happened to the manager. The manager seemed very sympathetic and concerned about the employee and said I should contact the credit card company. 
When I returned home from work, I called the Syncb/XXXX  dc credit company to try and not let them run my credit without my approval, but they said there was nothing they could do and they took the store information and thanked me for reporting this and that was it. There is now a hard inquiry on my credit report that I did not authorize and for a credit card I already have! It really bothers me to know that this woman is still employed there and may be continuing to do this to other people. I am in the process of buying a XXXX   XXXX  XXXX  home and really monitoring my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.
Product: Debt collection

I received a letter from XXXX XXXX XXXX, dated XX/XX/year> to respond by XX/XX/year> regarding an alleged debt in the amount of XXXX. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. 
I demand that you cease all communication with me regarding this matter, as required by law. 
Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. 
Please provide the following information to validate the debt : XXXX. The original creditor 's name and contact information. XXXX. A copy of the original signed contract or agreement related to the debt. XXXX. XXXX of the amount of the debt and how it was calculated. XXXX. Proof that you are licensed to collect debts in my state.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 



Proof that the original creditor securitized the debt. 



Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 



Please cease and desist from collecting on this debt until you have provided validation of the debt. 



Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 



Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Caliber Home Loans did not credit my XXXX payment correctly, applying it to the Principal rather than as a monthly payment. Each month Caliber is charging me a late fee, saying all my monthly payments since XXXX are late.
Product: Debt collection

Portfolio Recovery has called me repeatedly via telephone even after I placed my contact number on the do not disturb list
Product: Checking or savings account

Office of Consumer Finance XX/XX/XXXX I would like to report the BMO Bank, XXXX XXXX XXXX, XXXX, CA, for ghosting me and not sending my checks as I ordered them on XX/XX/XXXX, and not giving me any kind of service or help, forcing me to move to a different bank and have lots of chaos in the process. The end result is overdraft charges by BMO for what they call an overdraft on a line of credit available for me that I did not want, nor did I ever use, but in order to close this account they are charging me {$100.00}! This is very very unfair. They were unfaithful in their contract with me. They did not send the checks that I ordered, and that I needed to continue banking there and they did not give me any reason why they werent sending checks and I kept thinking they were coming because the bank kept saying yes they should be there in a week, be patient, you should be patient, theyll be there in another week, oh the mail is delayed, wait another week and all this time, Im thinking Im going to hacked. Someone is going to use my checks, where ever they are, and Im going to look online and all my money is gon na be gone, so I changed to a different bank and this charge of {$100.00} which probably is gon na keep going up every month is really unfair and I try to talk to someone and they were not receptive. They spoke with sarcasm in their voices. 

Im very very upset about this. I dont know what to do, I know the times are bad. My XXXX XXXX XXXX account that Ive had for 24 years is a {$600.00} plus a month yet I dont have Internet. I have a very strong feeling that the Internet through XXXX XXXX XXXX is compromised on purpose in order to influence the votes as did XXXX when XXXX bought XXXX and then proceeded to interfere with all of the different voting stations that communicating on XXXX. Banks are supporting authoritarian governments around the world and now they are really sticking it to me. They are on a big pre-election money grab. The same thing happened to my XXXX  daughter and she had to pay XXXX XXXX dollars to close her account and go to a different bank. 

When I went tXXXX XXXX XXXX XXXX XXXX  XXXX to change my direct deposit to a different bank, they said that BMO has been doing this right along and several complaints have come through about that bank. 

I have demanded they close my account. Instead, they continue to text and email this message : BMO Alert : Your overdraft protection line of credit was used. For more details, sign in or call XXXX. 

Someone probably has the checks that I ordered that never arrived. 

Very concerned taxpayer, XXXX XXXX
Product: Debt collection

this account was been paid for nearly 2 years ago when we switched electric providers
Product: Debt collection

I have two collection accounts with XXXX XXXX on my credit report. I have sent several letters to XXXX disputing these accounts and they have not responded in the allotted 30 days required by law. It looks like these accounts are from an old XXXX account that I previously had but Im not sure because there is no account number to reference. I have reached out to them by phone and online with no results. I had to move from my old address at XXXX XXXX XXXX because they tore down the building and at that time I returned all equipment because my new building did not have the XXXX XXXX XXXX XXXX in the building. 

I have sent out several letters to XXXX with no response, so i did some research and concluded that I should contact your company.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}