23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a monthly XXXX bill before moving to XXXX, and upon relocating got a bill reminder. Reached out but no success. Got a notice from debt collector, submitted proof of payment, they dropped the debt collection. Now, 1 year+ later, another debt collector, IC Systems inc sent a notice. I called, transfered around, would not give me a fax # or email, so then i went on their website to submit dispute, Did not here anything until now in their letter said i told them not to contact them, not true, then I got XX/XX/2022 a negative report on my credit 3 bureaus, scores down more than 60 points. I called ic system, and again no cooperation. They even told me they saw my payment, but insist i still owe, when their breakdown shows XXXX as part of the detail of what i owe. 
Actually XXXX owes me. I am submitting all documents of detail and proof of payment. 
I want this removed from my credit reports, and case closed now, 1 1/2 years later.
Product: Mortgage

Annual Escrow Analysis was performed on XX/XX/2018. 

As usual, I request RE-EVALUATION to REMOVE TWO MONTH DEFAULT. 

it's a painful process which i have to request every year .... 

Penny Mac automatically increase my payment every year. 
every year i need to call and request them to remove additional funds in the escrow and keep my payment AS IS ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially notified the consumer reporting agencies ( XXXX, XXXX, and Transunion ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my XXXX XXXX and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section XXXX ( c ) ( XXXX ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

My account with with those was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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.

Never Sent the periodic statement along 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: Checking or savings account

On XX/XX/XXXX between XXXX and XXXX, I walked up to the ATM to make a deposit. The machine accepted my card, but I could not make a deposit as the deposit button was not highlighted. I removed my card and attempted the transaction again. I could not make a deposit. I exited the transaction and left. I did not make any deposits or withdrawals. No cash was in my hand at any time. At XXXX on XX/XX/XXXX, I received notification from my bank that {$500.00} was withdrawn from my account at the same ATM I was. The notification from my bank stated that this was an unusual transaction for me and to contact the bank. I filed a dispute with my bank. The bank denied my dispute because I initiated the transaction. I filed an appeal with the bank on XX/XX/XXXX and on XXXX I still have not heard about my dispute. I talked to a manager at the bank and was told that I was at fault for the withdrawal even though there is evidence via security cameras that I did not take the money. The customer behind me took {$500.00}. The bank manager told me the machine holds my card information for two minutes after I close the transaction. I should have stayed and waited for that 2 minutes. The Citizens bank will not help me because they are blaming me for not waiting for 2 minutes. Citizens Bank acknowledged that I did not take my money that someone else did but the bank will not help me.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXXXXXX XXXX XXXX and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Product: Credit reporting or other personal consumer reports

Transunion continues to report several allege debt collection accounts listed as XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX before adding these accounts to my consumer report Transunion did not send me a notice to dispute which is my federally protected consumer rights and they are the only consumer agency reporting this account. How is Transunion the only consumer agency able to validate such information when each consumer agency must report the data aligned.
Product: Student loan

Have been trying to get a income repayment plan with Navient. From XX/XX/2020 to present i have received 6 different amount to repay. {$370.00}, {$170.00}, {$290.00}, {$140.00}, {$180.00}, and {$110.00}. We only bring in {$2900.00} a month. I had spoke with them and told them we need the lowest payment. We can not afford alot we have other bills. I was told that was not their problem. After all of it we are now back up to {$180.00}. I have asked for the formula that is used to calculate the payment. They refuse to give it to me and said I wouldn't understand. I told them that we could do the {$110.00}. I was told to resubmit my paper work and they would lock it in. 2 weeks later it came back at {$180.00}. I tried calling to speak with a supervisor. They refuse to allow me to speak with one.
Product: Debt collection

A reviewing a copy of my credit report I consumer ( XXXX XXXX ) realize that there are several innacurries on my report that violate my rights according to the 15 USC 1692. I did not authorize these accounts to be on my report. According to the 15 usc 1692 D " any bad debt furnished on your reports is ruining your reputation and its defamation of character. ''
Product: Credit reporting or other personal consumer reports

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.
Product: Mortgage

I have been fighting violations by Ocwen Loan Servicing ( formerly American Home Mortgage ) for 10 years. In XX/XX/XXXX I was solicited by a " so-called '' broker ( former landscaper ) who, without my understanding the consequences sold me a negative amortizing loan. I tried refinancing again but it was impossible due to the housing crash. 
I have not been foreclosed upon. In XX/XX/XXXX I filed a complaint against American Home Mortgage and XXXX in Maryland for fraudulent practices. While the judge ruled against me in favor of MERS, during negotiations American Home Mortgage agreed to relinquish their interest in my loan stating that American Home Mortgage " is not a functioning company, '' has " no successors in interest '' and " is permanently out of business. " ***please see attached. We were planning an appeal at the same time that my lawyer died of natural causes. I did not hear anything from the lender for some time and did n't know what to do as I had stopped making payments during litigation. Subsequently, Ocwen bought American Home Mortgage 's shares and I started receiving dunning letters, harassing phone calls and again sought legal representation, filing suit against Ocwen. I applied for a loan modification and Ocwen responded by giving me a billing statement for a modification ( no details included ) which was an amount I could afford. The first checks I mailed to them were cashed. Then, Ocwen started mailing back the uncashed checks stating that I owed them thousands more. My attorney advised me to keep mailing in the checks as originally stated. I have done that every month since up until today. 
In XXXX XXXX Ocwen issued me a Notice of Intent to Foreclose. It did not list the named of the secured party, but only mentioned XXXX. They claimed a year earlier that XXXX XXXX XXXX XXXX owns and holds my note when the entity went bankrupt in XX/XX/XXXX and that in XX/XX/XXXX, with no assignment involved, XXXX XXXX XXXX XXXX and alternately American Home Mortgage Assets owns it. In fact, in response to my Qualified Written Request letter to Ocwen, the cover letter provided a telephone number for XXXX which when I called it, brought about a U.S. bank agent. I do not have reason to believe that Ocwen has the original note. 
Some months back an Ocwen attorney asked my counsel if I would be interested in applying for another loan modification. Although wary, to show good faith, I applied again. Last month, my case was dismissed without hearing in favor of Ocwen. Although my modification was received by Ocwen on XXXX XXXX, to date I have heard nothing. 
Ocwen also refuses to allow me access to my own online portal account citing that it is " flagged. '' They continue to mail back my uncashed checks to my attorney. In the meantime, my {$580000.00} loan has escalated to {$820000.00} This seeminglly endless decade-long ordeal has cost me my health and even stolen attention from my child and my work. All I ever wanted was a reasonable modification to fix a predatory loan solicited by an unscrupulous broker in XX/XX/XXXX.
Product: Checking or savings account

I received a letter from chase bank on XX/XX/2023 they close my saving account but I still have XXXX $ in my account. its been 7 Month they still not issue me the funds back. I went to branch at lease 4 times they checked for me but still cant solve my problem. The said my account was take care by their legal department if legal department not release the money I cant get my money back. this XXXX $ is from my monthly salary check. I deposit monthly check every month to chase bank for at least 2 years also from same company I dont know what takes that long and I ask them to check from my company or my W2 or my boss to verify seems like they dont do anything just holding my XXXX XXXX I know chase bank is very big financial center but please do something help people out.
Product: Consumer Loan

I applied for Community Reinvestment loan with Suntrust Bank many times Loan Application - Reference # XXXX ... This bank never have given me a loan. I would not complain but Suntrust is always saying is willing to help the low income community.Poor, XXXX, but when comes to loaning funds out Suntrust has refuse many loans for the XXXX community. Suntrust XXXX. This banks needs to stop saying the are here to help the poor with CRA loan and not give this money back to the community they make money off of. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back and attempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with Chexsystems since this was a request for checking account in my name Please help me look into this matter I cant open a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following credit report agency : XXXX, Equifax, and XXXX ; I did not give permission to have the following accounts ( XXXXXXXX XXXX XXXX XXXX ) furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts ( XXXXXXXX XXXX XXXX XXXXXXXX ) are under litigation and i have submitted a FTC for the fraudulent activity.
Product: Credit reporting or other personal consumer reports

In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over 30-day missed payment. 
I spoke with the new XXXX XXXX General Manager, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The GM wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, Interest Ref Purchases - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, Interest Ref Purchases - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( XXXX, Experian, and XXXX ), and they have found my claim to be unsubstantiated, and my XXXX score ( Linked to my XXXX  XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the Captain of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter dated  XXXX / XXXX /  XXXX   that notifies me that there was a negative item added to my report.     On  XXXX / XXXX /  XXXX   I have attempted to contact Experian by both phone and their online system. Their online system is not willing to take my requests ( it is being rejected by the company ) and the phone system is not able to reach a human being in order to resolve the issue that I have currently.     Basically the company has designed a system that is so difficult to use that an average consumer would give up trying to dispute incorrect items on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.