23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Cease and Desist Identity Theft & Fraudulent Claims To Whom It May Concern : I am writing regarding the ongoing harassment and false demands made against me, XXXX XXXX, by Recovery Solutions Group , LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX I have been wrongly targeted for an alleged debt related to a business or transaction with which I have never been associated. These claims are baseless, stem from identity theft, and have no legitimate grounds against my personal property or my name. 
It has come to my attention that you, or individuals acting on your behalf, have contacted my elderly parents, grandparents, and even my employer, making threats and demanding payment for debts that have no valid connection to me. This conduct is both unethical and illegal under consumer protection laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ). 
I am currently working with an attorney to address multiple incidents of identity theft. Your companies repeated harassing phone calls and messages violate my rights. Effective immediately : Cease and Desist : You and your affiliates must cease all forms of communication with me, my family members, and my employer regarding any alleged debt. This prohibition includes phone calls, letters, emails, text messages, and any other form of contact. 
Fraudulent Claims : All allegations pertaining to my involvement with any business entity or any purported debt that you assert are unfounded. Any account or record tying me to this alleged debt is the result of identity theft and must be removed from your systems. 
No Further Harassment : Under federal and state laws, continued harassment or misrepresentations regarding any alleged debt will subject Recovery Solutions Group , LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX to legal liability. Contacting family members and employers with threats or false statements is unacceptable and violates multiple consumer protection statutes. 
Legal Representation : As I am represented by counsel in these identity theft matters, all future inquiries or demands must be directed to my attorney. If you require my attorneys contact information, please request it in writing at the address listed above. 
If these demands are not met or if you continue to pursue this illegal and harassing course of action, I reserve the right to pursue all available legal remedies without further notice. This letter serves as your official notification that you are attempting to collect a fraudulent debt connected to identity theft. Any persistence in these unlawful collection efforts may result in significant legal consequences for your organizations. 
I trust that you will abide by the law and immediately halt any further contact regarding these fraudulent claims. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payment for XX/XX/year> was submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

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

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

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

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

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX : Requested for escrow reanalysis based on PRE adjustments. XXXX has copies of the most recent tax billings. 
XX/XX/XXXX : Filed a notice of error and resolution. Nothing has been done. I have made several phone calls. Similar incidence occurred previously, it took months to sort. I did not report, but this time I am since this is the second incidence. Copy of the email is below : This is a formal Notice of Error, for the following : Return the overpayment of my property taxes at {$3600.00}, and Carry out escrow reanalysis on taxes ( Total {$1600.00}, instead of currently {$7200.00} ) I am writing to request an immediate correction of the error and to follow up on the escrow reanalysis, which I had already requested back in XX/XX/XXXX ( see forwarded email below ). 

Please see attached document, my parcel ID taxes : XXXX. XXXX ID # - {$1000.00} XXXX. XXXX ID # ( XXXX XXXX ) - {$620.00} The costs above are adjusted without the interest and penalty balance of XXXXXXXX XXXX  original error, due to paying out someone else 's tax by mistake. I expect the bank to cover these costs for their mistake, as originally intended. 

Currently XXXX paid out my property taxes- a total of {$5300.00} out of my escrow account. This is an overpayment of {$3600.00}. This amount is missing from my escrow account. In addition, my escrow analysis on my yearly tax is over calculated for {$7200.00}, instead of yearly taxes at a total of {$1600.00}. 

This issue significantly impacts my monthly payments and requires prompt adjustments and for money to be immediately refunded. I trust the bank will address this matter promptly and in good faith.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX  on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under account number XXXX ; and XXXX XXXX on XX/XX/XXXX, under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX and 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 identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

There is a collection that recently appeared on my XXXX report that i did not recognized. It was reported on XX/XX/2021 to XXXX, on XXXX it does not have a date. 

I called XXXX XXXX XXXX XXXX which is the phone number on the collection on XXXX and XXXX and they asked me for my social security number, however the last name they have according to them is XXXX XXXX. I explained to them that this should be fraud because that is not my last name, has never been my last name and I did not recognize that balance or account. I told them that I needed that removed from my credit bureaus ASAP since that did not belong to me but they said I should then contact credit bureaus
Product: Student loan

My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown - XXXX Unknown - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated over a period of one year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

We received written correspondence on XX/XX/XXXX, via USPS from XXXX XXXX Tax Collector indicating that our property taxes had not been paid which were due to be paid by BSI Financial ( mortgage company ) from our escrow account on XX/XX/XXXX, and late charges and fees were/are accruing. 
XX/XX/XXXX, I telephoned BSI- explained the situation to XXXX who said he would forward it to their tax department. He also asked that I send by email the pertinent correspondence to XXXX XXXX XXXX which I immediately did. 
XX/XX/XXXX, I telephoned again after not receiving any reply via phone or through our web portal w/BSI. Spoke with XXXX. Again, I was asked to email the information and I sent it again. 
XX/XX/XXXX, I telephoned again, spoke with XXXX. He told me that his " system '' indicated that the funds had been disbursed but said that didn't necessarily mean they had been sent. 
XX/XX/XXXX, I telephoned again, spoke with XXXX, and asked who in a supervisory role I could speak with the expedite a resolution to the ongoing problem. He transferred me and I left a voice mail for XXXX. 
XX/XX/XXXX, I had not received a return call so I called XXXX at extension XXXX and left a voice mail. 
On XX/XX/XXXX, I sent written correspondence via USPS with all of my supporting documentation to BSI at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
On XX/XX/XXXX at XXXX XXXX XXXXXXXX, I received a call from XXXX, had to explain the entire situation to him. He assured me that all would be taken care of. 
Today, XX/XX/XXXX, no funds have left our escrow account. I confirmed with the XXXX XXXX Tax Collector that no monies have been received for payment of our property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing that I still owe a debt to XXXX XXXXXXXX XXXX XXXX, that is incorrect. I did a balance transfer from my XXXX card to pay the total amount of my debt to XXXX XXXXXXXX XXXX on XX/XX/23 and I have an email and documents attached to prove it. Experian has not updated this information and it has caused an increase of 7 % on my credit usage by adding the debt I owed and the balance transfer to XXXX card showing I owe total of {$10000.00} and that is incorrect. 

This is now the second time Experian has made a mistake on their reporting that has affected my credit and I am filing a complaint to correct this mistake and restore my credit usage to what it was.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2022, I transferred the sum of {$1000.00} to my brother using regions bank XXXX service. The money was withdrawn from my account but was never delivered to the intended recipient. I have made several calls to regions online, been to the branch ( Regions bank XXXX TN ) in person several times, exchanged several emails with a representative XXXX XXXX XXXX XXXX ) from the bank for almost 6 months and they havent refunded nor given me any useful explanation as to the whereabouts of my {$1000.00}. The last thing they did was to refer me to XXXX which is another institution that processes some of their transactions. I called the number and XXXX said they have nothing to do with Regions XXXX transfers.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

I applied for an XXXX XXXX Card online for less than perfect credit. I was told that they required further verification documents. Since i didnt receive an email from them i decided to call today. XXXX website is said to be financed by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Today i called whom I thought was XXXX, to follow up and see which documents they required and was told that their other " department '' as stated by the representative will handle my call. When I asked the name of the company they stated XXXX XXXX XXXX XXXX. When I asked her if they were affiliated with XXXX she refused to answer the question. She then stated that my account is being serviced by Alpha Recovery Corp, XXXX. When I called that number they said they were a debt collection agency and were attempting to collect a debt. I informed them that I am working with Attorney XXXX XXXXXXXX XXXX Lawyers due to some incorrect and unlawful reporting for this specific account on my credit report. My attorney has made disputes through the credit agencies addressing the miss use of collection reporting by this company. So I feel that XXXX was a cover up company for XXXX XXXX ( Milestone ) who was trying to collect a debt through Alpha recovery and XXXX XXXX without providing validation of the debt as requested through my attorney and from my direct disputing through the credit agencies in the past.
Product: Credit reporting or other personal consumer reports

IVE BEEN VICTIM OF IDENTITY THEFT PLEASE ERASE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.
Product: Debt collection

I received an alert that this company added items to my credit report. I never received any notifications from this company that I owed a debt. My rights were violated under the FDCPA. I was not afforded the opportunity to review any documentation nor dispute its validity. Under the law they must notify of the alleged debt and I have 30 days to respond and they did not do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 dispute letters to XXXX XXXX to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX XXXX, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
Product: Student loan

I was sent an email from StudentAid.gov dated XX/XX/XXXXXXXX  stating the student loan I have was being dismissed under borrowers defense and I no longer needed to make any payments on this student loan. I still have the original email. The loan was under forbearance when for some reason it fell off in XXXX of XXXX I think. All of a sudden they were asking me for payments which the government told me I didn't need to do. I have issued a complaint with Student Aid but all they do is refer it to XXXX. I have sent copies of my email to XXXX several times and all they tell me is they haven't received an official notice from Student Aid. Student Aid stated it may take three years to dismiss the loan. I'm XXXX XXXXXXXX  living off Social Security so this is a lot of money that they state I'm delinquent on to credit bureaus. Please let me know what I should do? It has me in XXXX  attacks.
Product: Credit card or prepaid card

went to US Bank XXXX XXXX XXXX, XXXX XXXX CA XXXX Teller can't do cash advance on direct benefits card. 
She stated " machine broken '' This is not acceptable.
Product: Mortgage

SLS denied my loan modification but their not giving me specific reason ( s ) see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX I have been involved in Identity theft, and I need help getting these negative accounts OFF my report immediately. My reputation is being affected by this inconvenience. I'm in the process of purchasing a home and I'm being denied for something that is not mine. Please HELP!