23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A family member was served paperwork at an address I do not reside at for a lawsuit for credit collection. In addition to several XXXX calls over the last 2 years even after explicitly being asked no longer to contact me as this debt does not belong to me. In the paperwork provided to my family member they have listed XXXX old addresses that I currently do not reside at, and an incorrect name for me as I have XXXX last names. In the original mailing to me there was a third address listed in the state of Florida. None of the XXXX I reside at. I have called there attorneys office to settle this matter however they are not willing to hear through the discrepancies and are demanding this will be a judgement filed against me regardless of what agreement me reach. This is not acceptable.
Product: Debt collection

Company tried to steal over XXXX from me a XXXX veteran but my bank stopped them to protect my checking account but they took the money in my savings account The name of the company is rausch Sturm LLP out of wisconsin and the lawyer is out of XXXX XXXX, mn ( XXXX XXXX XXXX ) this so called debt is from 2016 and is pass the state law for the time by 2 yrs ( sd )
Product: Money transfer, virtual currency, or money service

I am writing this with concern to Zelles handling of disputes particularly in regards to the recent CFPB lawsuit pointing out significant issues with the platform. Despite using Zelle numerous times and previously in the past reporting discrepancies, my financial institution and Zelle failed to investigate my claim properly. I was informed that tracking the transactions was infeasible.
Product: Debt collection

I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau.
Product: Debt collection

debt was charge off or bout by another company and they're still reporting every month
Product: Debt collection

I am a victim of identity theft. I have taken proper steps to protect my identity. I was alerted by my credit monitoring service on XX/XX/2022 that I had new activity on my credit report. Under further investigation I found that XXXX XXXX XXXX provided services to a home in XXXX OH under my name and SS # which I DID NOT AUTHORIZE! I have never lived in nor stepped foot in XXXX Further, I don't personally know anyone who lives there. The debt incurred was not paid. It was then sent to a collection agency by the name of Associated Credit Services Inc. The debt is {$340.00}. This debt is now on my credit report and of course is dragging my credit score down. XXXX XXXX XXXX never ran my credit as I have a freeze on my credit. I was never alerted that someone was trying to run a check on my credit, the whole purpose for a freeze. XXXX XXXX XXXX used my SS # without running a check first and is making me jump through hoops to prove that I am not the person that lived at the home they provided services to. I am cleaning up a mess that could have been avoided had they simply attempted to run a credit check on me.
Product: Mortgage

The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, XXXX  and Transunion. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, XXXX and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/ Account-Portfolio Recovery Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Portfolio Recovery These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

To formally dispute inaccurate information on my credit report due to identity theft, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The disputed accounts ) does not belong to me and was fraudulently opened or altered without my authorization. I am requesting your assistance in investigating this matter and ensuring its correction. 
Details of the Fraudulent Accounts ) : Account Name : XXXX XXXX Partial Account Number : XXXX Account Name : XXXX XXXX  Partial Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Partial Account Number : XXXX Credit Bureau ( s ) Reporting the Account : [ XXXX/XXXX/TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : XXXX, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) Revolving credit for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) Credit line {$880.00}, deleted by XXXX. Reported by XXXX and XXXX under different account numbers and different company. XXXX responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. XXXX and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

Self reports as accurate for the last 3 months from XXXX and XXXX, but XXXX reports as delinquent for 60 days still. I have reached out to both Self and XXXX ( XXXX ). Self states that they have no control for removing " late payments '' and XXXX has not responded.
Product: Mortgage

In 2011, I became very ill and XXXX making it impossible for me to work causing a horrendous hardship and I got behind my mortgage payments, I desperately call my lender / servicer Wells Fargo Home Mortgage. requesting assistance with my loan with no avail.I continued to ask for assistance for a loan modification under the XXXX XXXX XXXX Making Home Affordable program, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage. representative and agents. I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage made this into a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me anywhere. I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and XXXX, method with the process of my loan modification and for denying me the XXXX XXXX XXXX - Making Home Affordable Program after I was assured by their representative agents I would be eligible if I followed their instructions and I did.
Product: Debt collection

I spoke with Companie XXXX  XX/XX/year> @ XXXX. Advised agent to cease all phone calls, especially to my employer and provide proof of debt. Provided my email address for communication. Agent advised they will keep calling.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

on X/XX/2017, an inquiry was reported to my credit report with the following information : Creditor Type : Check Cashing Service Inquiry Date : X/XX/2017 Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, XXXX Utah XXXX Creditor Phone : XXXX I did not apply or contact XXXX XXXX or give them my information. I am not sure how they got my information, but I have concerns that my identity may have been compromised or XXXX XXXX obtain my information and using it inappropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In 2013 I had applied for Mortgage refinancing loan with Wells Fargo. The loan was not approved because of the low appraisal value of the property and so it never closed. 
However, XXXX years later I learned that Wells Fargo had placed a lien on my property even though I do n't have any loans with them I do n't owe them any money. 
I had sent my request and explanation to Wells Fargo ( by fax on XXXX ) asking them to remove the lien from my property and to send me the release letter stating that I do not owe them any money ( which I need to be approved for a home equity loan ) but so far I was unable to get the lien removed.
Product: Debt collection

In my consumer report there is a charge off reporting and that is illegal to do because charge off is considered cancelled debt and according to the IRS cancelled debt is considered income, income can not report in a consumer report. The documents I attached is a screenshot of the IRS talking about cancelled debt and how it is income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681 I never authorized to report this and how this is defamation, told them I can ligate them for defamation because there reporting information, they are not supposed to which can damage me financially and emotionally.
Product: Credit reporting or other personal consumer reports

1- XX/XX/XXXX ..i requested by phone they put in correct present address ( they were showing an old address as correct ) they did. 
2 XX/XX/XXXX i called because i noticed they deleted ALL THE OLD ADDRESS and should have just changed the correct address 3. When I called they verbally read to me all my old address.but said they could not undo the mistake of deleting the old address from report ... despite having them 4 .for the month of XX/XX/year>, XX/XX/year> the average account age, length of credit history and oldest account are correct. In XXXX they are incorrect and when I called they said it was becasue ALL old addresses were deleted. They even read the old address to me but would not undo the delete. So My credit history is wrong with respect to age of oldest account length of credit history and average account age. DESPITE THEY HAVE THE CORRECT OLD INFORMATION BUT REFUSE TO UNDELETE THEIR MISTAKE
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, 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.

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: Vehicle loan or lease

Since, XX/XX/year>, I have contacted Hyundai at least 15 times to correct two payments made by an insurance company one in the sum of {$2500.00} and the second payment of {$720.00}. The issue is that I have asked them to remove the {$150.00} interest on the payments from the insurance company. Hyundai keeps applying the interest of {$150.00} between the two principal only payments. They will not remove this interest payment. 

On XXXXXXXX XXXX XXXX, I made my regular payment, {$440.00}, the applied {$430.00} toward principal and only {$8.00} towards interest. They refuse to let me talk to their department who applies the payments and tell me they will correct it and have not as of this date XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding my account with XXXX XXXX XXXX XXXX Specifically, I am challenging the claim that my credit card payment due in XX/XX/XXXX was late. According to your records, the alleged amount in question is a minimum payment of {$930.00}. 

Background and Request for Proof I request that you provide me with detailed internal records and documentation to substantiate your claim that my payment was indeed late. Please note that mere statements or summary reports are not sufficient evidence. I am specifically requesting : Internal Payment Records : Documentation showing the date when the payment was due, the date when it was received, and any relevant transaction details. 
Account Statements : Comprehensive statements for XX/XX/XXXX and the preceding and following months to demonstrate the payment history. 
Communication Records : Any correspondence or notices sent to me regarding the alleged late payment. 
Legal Reference In accordance with XXXX XXXX XXXX XXXX  of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), which underscores the necessity for concrete evidence in disputes of this nature, I expect a thorough response to this request. 

Potential Financial Impact Please be aware that if this dispute is not resolved satisfactorily and if the false information remains on my credit report, I will consider initiating arbitration. The potential costs to XXXX XXXX XXXX could include : Arbitration Fees : Approximately XXXX XXXXXXXX {$5000.00}, depending on the complexity of the case. 
Legal Fees : Estimated between XXXX XXXXXXXX {$10000.00} for legal representation and related expenses. 
Potential Settlements or Judgments : Any resulting settlement or judgment could include damages for defamation and statutory penalties, potentially amounting to an additional XXXX XXXXXXXX {$20000.00}. 
Reputation Costs : Negative publicity and damage to your company 's reputation could lead to loss of business and customer trust. 
In total, the financial impact could exceed {$30000.00} if the matter is taken to arbitration and results in a settlement or judgment against your organization. 

Conclusion I request that you provide the requested proof within 30 days of this notice. If you are unable to provide sufficient documentation, please update my credit report to reflect accurate information and remove any erroneous late payment entries.
Product: Credit card

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement alo
ng with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

Convergent outsourcing inc . 
sent me a letter saying they were collecting {$360.00} i owe to an orthopedic doctor. I called doctor and no debt exists. They are not looking for any money from me. I have insurance and paid my copay as I went. this was 4 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of fraud relating to XXXX XXXX XXXX. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of XXXX, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.