23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX-XX/XX/XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Product: Mortgage

During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.
Product: Debt collection

Original Creditor - XXXX XXXX ; Collection Agency - USCB America ; Account Opened - XX/XX/XXXX ; Balance - {$130.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX, which the creditor stated they would reply to directly via mail, but I have NOT received any response. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports.
Product: Credit card or prepaid card

Ive had my card for 11months never made a late payment until XX/XX/2018. I submitted the payment online before my due date as usual but for some reason it didnt come out of my checking account the same time as usual, and the payment was sent back causing my account to be 30 days late. The company has already returned the late payment fee to me but have not removed the late payment from my account history to reflect never late.
Product: Credit card or prepaid card

I am now getting a " Final Notice '' letter from Midland Credit '' MCM stating that if I do not pay this amount they will turn account over to a collection attorney and I will have to pay the amount in full along with attorney costs. This is the only letter I have received so far and I do not agree with the amount they have listed on their bill. I have sent a letter to MCM but they are refusing to respond back because they would much rather see people sued so they can get more money in their back account. I am struggling to keep up on other payments and obligations as it is and they want to make threating attorney statements. I want this matter resolved and a conclusion made regarding this matter before I have to file for bankruptcy. this would not be my preferred choice but may be my only option at this point.
Product: Debt collection

Notice for Proof of Claim Account : PENN CREDIT CORPORATION XXXX XXXXoWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED ON XX/XX/2021 TO THE BUREAUS ABOUT ACCOUNTS THAT ARE NOT IN THE CHARGE OFF STATUS AND TO BE VERIFIED WITH ALL PROOF SENT TO ME OF THE VERIFIACTION PROCESS ALSO ONE ACCOUNT THAT I WAS NEVER LATE ON. IT IS DETAILED IN THE LETTER ENCLOSED. MY PROBLEM IS, 2 TIMES NOW THEY FAILED TO ABIDE BY THE LAW.. SO NOW THE MUST DELETE ACCOUNTS IN QUESTION SINCE THEY ARE IN VIOLATION OF THE STATUES LISTED BELOW. 
YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.
Product: Mortgage

I want all communication from this company to end. I have repeatedly asked to be removed from the list and I get hung up on.
Product: Money transfer, virtual currency, or money service

I am Writing to express concerns with Zelles handling of disputes, particularly in regards to CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds would be impossible and that tracking these transactions were unfeasible. The CFPBs findings that Zelle not only negotiated to protect customers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Money transfer, virtual currency, or money service

Paypal closed my account that I use for my business. I had this account for 3yrs and had successful transactions the suddenly Paypal decided to limit my account and now to no longer do business with me without any reason at all. I have submitted all necessary documents and verified my id and address same with my banking information but still they'd close my account and holding my funds. Paypal account : XXXX XXXX
Product: Mortgage

I received a notice in the mail, dated XXXX XXXX, XXXX, from Wells Fargo Home Mortgage stating that I had a escrow account shortage of {$4900.00}. My mail was being held by the post office, so I did not get the mail notice until today, XXXX XXXX, XXXX. The shortage was caused, allegedly, by Wells Fargo buying home owners insurance due to a cancellation of my policy. In fact, a cancellation notice had been sent due to a late payment. Full payment was made and a reinstatement notice was sent. Wells Fargo claims it never got the reinstatement notice. My insurance broker stated that if Wells Fargo got the cancellation notice, it got the reinstatement notice, Wells Fargo 's attempt to get {$4900.00} from our mortgage account is the result of gross negligence or a deliberate attempt to bill for unneeded insurance..
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. 

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

There was an account on my report that had been paid in full and closed but did not reflect that on my experian credit report. I disputed it and they only changed it to 50 % paid and did not remove it. I disputed again with the letter from the company stating stating account was paid in full and experian said there wasn't enough information to remove the account and now they are refusing to remove from credit report.
Product: Debt collection

I want you to take a look at the Correspondence of your so called attorney office when they cease and desist and return the debt back to you! They were trying to collect for you I need for you to tell me what rights did you have to collect on this erroneous account and place this item on all reporting agencies After your law firm understood orders and stopped all collections and return it to you? did they advised you of the noticed to cease and desist? Yes they Did this is exactly why Im coming after you for violations. Please send me a copy of what crawly law firm sent to you and upload it to the CFPB website
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. Account name WESTLAKE FINANCIAL I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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: Checking or savings account

I had attempted to order a product from XXXX, I had inadvertenly used my debit card when I intended to use other loan product. I called XXXX 4 times the day the error occurred. I was assured 4 times that my order had been cancelled. A hold had been placed on my account for around XXXX I contacted First Horizon bank that day to report the issue and to open a fraud claim. I was told I needed to wait for it to hard charge to my account. On XX/XX/XXXX, the charge hard posted, I contacted the fraud department and started the process. I was told I would get my funds back within 5-10 days. I received 2 products from the company. After numerous issues filled through the XXXX  I received a return label for the product and sent it back XX/XX/20. I contacted First Horizon bank this morning to give them an update and to see where my report stood. They had closed out my case as I still had the product. I was unable to return until I received the label. They re-opened my case XX/XX/20 but stated I would not get my funds provisionally. I would get the funds back once they received the charge back from Visa. I believe this is a violation of Regulation E. My understanding is that they must provide provisional credit within 10 days and then they may pull the funds back if my claim gets denied, or recoup their funds when the merchants charge back is received. I have been without access to my funds due to the debit card hold and the hard charge since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account wa

s never charged off or late. It was settlement due to Covid 19.
Product: Checking or savings account

-This complaint is for Chase Bank -Regarding Debit Card Fraud -We 've called XX/XX/XXXX and placed a claim with them and they have rejected our claim on XX/XX/XXXX -We tried reopening our claim and they still refute our claim and refuse to refund the Fraudulent charges listed below -We had unauthorized charges on our debit card twice for the amount of {$200.00} each time totaling {$400.00}. 

-First Unauthorized Charge : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -Second Unauthorized Charge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Date : XX/XX/XXXX Statement Date : XX/XX/XXXX Amount {$200.00} -FYI Supplemental Evidence : Our credit number was also used for a fraudulent charge for the same amount, same vendor, same day and location and their separate Chase Credit Card Team acknowledged and refunded us the stolen amount for the credit card. However, the Chase Debit Card Team refuse to look at this highly coincidental evidence even though its the same bank
Product: Money transfer, virtual currency, or money service

Commencing on or about the XXXX of XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by Scammers DBA : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous times to all 3 credit bureaus regarding negative reporting on my credit report like late payments, charge offs and collections accounts. I have not been successful in any of these times. I am currently in the process of trying to buy a home and this negative stuff is affecting me.
Product: Credit reporting or other personal consumer reports

Account name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act XXXX Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Bank account or service

A stop payment was requested for funds being taken from our account which the bank issued and then allowed XXXX to remove the funds from our account in the amount of {$160.00} and {$130.00}. When I noticed that these funds was removed from our account I called the bank who stated that their is nothing that can be done because the way that XXXX went around the stop payment request that was filed with the bank. This goes to the other complaint that was filed with your office in early XXXX 2016.
Product: Credit reporting or other personal consumer reports

XXXX is violating the following laws : 15 U.S.C. 1681 - Accuracy and fairness of credit reporting 15 US Code 1679 You have the right to dispute inaccurate information on your credit reporting.The credit bureau must remove inaccurate or incomplete information. 

Portfolio Recovery Associates could not validate the debt on my report. https : //www.consumerfinance.govXXXX I have written and asked multiple times to XXXX to remove inaccurate information to no avail this has cost me employment and bad credit rating. 

FCRA code 623 ( a ) ( 1 ) ( B ). If a consumer notifies furnisher and disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information. 

XXXX is illegally reporting unverified information on credit reports, and will not remove the Portfolio Recovery from my credit report. 

15 US Code 1681s-2 A person shall not furnish any information relating to a consumer to a consumer reporting agency if knows or has reasonable cause to believe the information is inaccurate. The debt by Portfolio Recovery could not be validated and therefore the information is in fact inaccurate.