23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was making regular payments to ARS National Service for a debt collection on a XXXX XXXX Credit Card. ARS lost the account and XXXX XXXX hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to ARS National Service for the XXXX  XXXX account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied XXXX XXXX. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX XXXX XXXX sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to ARS National Service. On XX/XX/XXXX, XXXX XXXX sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, XXXX XXXX acknowledged that ARS had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that ARS had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM ARS. XXXX XXXX then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that XXXX XXXX or ARS provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) XXXX XXXX recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween XXXX XXXX and me. XXXX XXXX followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that XXXX XXXX gave to ARS via my XXXX and XX/XX/XXXX payments. All I know is that ARS needs to forward the two payments to XXXX XXXX or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.
Product: Mortgage

Newrez mortgage is sending me default notification because I am 1.5 payments behind. I applied for the XXXX relief in XXXX and didnt hear back until end of XXXX saying resource no longer available. The woman assigned to me doesnt call or calls weeks later.I CAN MAKE THE PAYMENTS but I need help getting caught up. 

They will only push late payments to end of loans is if minimum 3 payments. This doesnt make sense,
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX XXXX which was originally listed for XXXX XXXX $ but verbally agreed to a discounted price of XXXX XXXX with me than went to speak sales supervisor on the in the front desk dishonestly added multiples unsolicited premium services to the contract than disguise by pretending to help me by signing the contract him self under the pretext that the sales XXXX was going to to explain the contract me when no such explanation was given. It's until XXXX weeks later when the bank statement came I found out that I was scam by the dealer rich out to them, the bank and even XXXX headquarters with all third party XXXX that this is between me and the dealership since all dealerships are independent entity 's while the dealership is gaslighting me with Statements like is that your signature, nobody put a XXXX on your head an made you sign. I have been taking action every since but their is not enough profit in the case to get a lawyer interested and not enough obvious resources to force XXXX of XXXX XXXX or other parties evolved to even investigate the incident meanwhile my credit has already been affected, I am being bombarded with threatening phones calls like this is a final action of collection before there's lawyers involve my vehicle has been reposes despite all my contest an during XXXX XXXX I had even got hospitalized in XXXX XXXX XXXX XXXX XXXX emergency center because I fell while at work and was diagnosed to have probably been cause by the immense amount of stress that I was dealing with at the time. In conclusion all I wish for is to have an investigation conducted on the day manor of which the vehicle that me and XXXX of XXXX XXXX sales man had agreed upon for XXXX XXXX $ end up on contract of XXXX XXXX Dollars loans. Thanks in advance for your time and effort on the matter.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. There are multiple inaccuracies with this account and with the way it's reporting and would like it to be removed immediately from my credit report. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I discovered incorrect information on my credit report, as stated in 15 USC 16c-2. I believe this information is inaccurate and negatively impacting my creditworthiness.
Product: Debt collection

First premier has Monarch recovery collecting a debt that I am not aware of I asked Monarch recovery to cease and desist all calls, and they still continue to call and harassing me.

There is inconsistencies on my credit report, such as the account number, have an XXXX  on it. I have not received a signed contract between the creditor and supposedly myself Since they have failed to stop calling after asking for a cease and desist all calls, I will be taking this to court until I have a signed contract. I wont know communication which they have not abide by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureaus are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Transunion will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX. ( XXXX XXXX XXXX XXXX ) Account Number : ( XXXX ), XXXX. ( XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ( XXXX XXXX XXXX XXXX ) Account number : XXXX
Product: Money transfer, virtual currency, or money service

There is a recent CFPB lawsuit of Zelle 's handling of disputes. Even after using Zelle repeatedly and reporting issues, my bank and Zelle didnt investigate properly, stating they couldnt recover funds or trace transactions. The CFPBs findings reveal that Zelle has failed to protect consumers and allowed repeat scammers to abuse the system, leaving users at risk. This raises concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX  XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.
Product: Credit reporting 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. XXXX XXXX XXXX XXXX, DEPARTMENT OF TREASURY ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

We are buying a home and the loan officer stated that XXXX had reported our forebearance agreement as non payment INSTEAD of a partial payment agreement. 

We called XXXX and they stated that they did NOT report it as a non payment and would provide us a letter by today in order to give it to my loan officer so she could get rapid rescore to correct the problem. 

This company has all but destroyed my life by refusing to allow me to repair my home from flood damages and now they are not allowing me to move on with my life by reporting this incorrectly to my credit.
Product: Debt collection

This dept is not owed I was in jail at the time when the account was opened. I have proof of incarceration.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Re : Request to Cease Communication Account Number : XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing in response to your recent attempts to contact me regarding the above-referenced account. I am requesting that you immediately cease all further communication with me regarding this debt, as authorized under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

As per 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop contacting me in relation to this debt. I request that you refrain from making any future phone calls, letters, emails, or any other forms of communication regarding this matter. 
Please note that this request does not constitute an acknowledgment of the debt or an agreement to pay. It is a formal request to cease communication under the FDCPA. If you fail to comply with this request, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies. 

I also ask that you please send me written confirmation that you have received and are complying with this request. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

Per my dispute XXXX, Bank of America is requesting payment of {$130.00} payable by calling Secured Card Voluntary Collateral Liquidation Department at XXXX. I called them in XX/XX/2023 and received confirmation number XXXX that they were processing my reimbursement for the CD plus interest minus the balance on my XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax responded saying that the inquiries were deleted from my file, but they still remain on my file to this day. So they have lied to me several times already. Even though they're the reason my identity was stolen.. they refuse to help me in any way.
Product: Debt collection

FedLoan Servicing is indicating, through their website, that I have a payment past due on a federal student loan when payment upon such loans is suspended until at least XXXX XXXX, 2021. 

FedLoan 's banner message alleges my loan payment is two days past due. 

I know that's not correct ( and possibly illegal under the FDCPA ), but how many borrowers are relying on the information being provided to them by their loan servicer as to when they have to make payments?
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from XXXX stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that XXXX did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : XXXX does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that XXXX could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : XXXX failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, XXXX can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report. 
Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : XXXX is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that XXXX claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.
Product: Mortgage

I have been trying to keep come current on my mortage. 
Had conversations here and there where representives told me all along that as long as i was making payments and not over 240 days late i should be fine. 
Had been making my payments up until XX/XX/2019 when my mortage servicer advised all past due payment had to be made in full. I wad asked by represententive ro borrow the money and pay past due amount and get it over with. Something to which i beleive is so unprofessional. 
Later receiving a letter where mortage servicer is in bankruptcy. 
Making me wonder if this is a reason why my petittion for a loan modification is not being handled the proper way. 
And later receiving a letter with a new acct # from original acct. 
Asked for loan modification to my mortage servicer. Which i just kept getting letters requesting same missing information. Never received a denial, only application to submit or missing information letter. 

After they referred loan to forclosure. 

With no progress on loan modification requested. which lead me to hire a loan advisor to help with loan modification. 
On or about XX/XX/2019 an other loan modification paper work was sent through loan advisor. On or about XX/XX/2019 loan advisor called on a 3 way call to verify on documentation sent. And was advised that no modification paper work was received. To which loan servicer resent. 
On or about loan advisor called me to mention that we have a 3 month trial period before final modification. 
Yet We since have received same letter requesting missing information, which is sent every time requested. 

Im now here with a letter that has a sale date on my property. 

I am being honest explained at the time reason of hardship via letter attached on modification paper work and phone with repprisentives. I have also explaines hardship is now over since XXXX and was ready to come current.
Product: Credit card or prepaid card

Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
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I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.
Product: Debt collection

XXXX XXXX XXXX will not delete the debt i have no idea about off my XXXX and XXXX. The debt only appears on those credit reporting sites. XXXX removrd the debt. Capital one walmart doesnt even exist no more so i shouldnt have to pay any debt. I been trying to get it removed but they keep telling me to file a police report but i fant because i dont know how or whats going on this is messing up my credit for absolutely no reason. XXXX deleted this off my credit but they wont let transunion or XXXX remove it
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : 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 XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America, N.A. closed all of my personal and business bank accounts and credit cards around XX/XX/2019 for no discernible reason. Their correspondence says that they made a " business decision '' to close my relationship with them. Upon closing my personal credit cards, they stole {$2500.00} in cash rewards by not paying them before closing the credit card making them " null and void ''.