23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not received any notice from debt collection agency and would like for this account to be validated to confirm that this account with original documents stating this account belongs to me
Product: Credit reporting or other personal consumer reports

GM Financial leasing. XXXX XXXX. XXXX XXXX XXXX Texas XXXX Denied me vehicle credit from XXXX XXXX and XXXX / XXXX saying my credit score is XXXX when it's XXXX from my bank XXXX XXXX. Also I do not have Serious delinquency, public records collection field. Everything is paid up from over one year ago do to I had XXXX XXXX XXXX over two years ago at XXXX XXXX. My home and everything is paid for for over XXXX yrs!! I'm not in debt to anyone!! 

I know, know one cares. Also how can I have too many accounts with balances? I only have two credit cards! I've been leasing trucks from GM for XXXX yrs. I'm XXXX XXXX XXXX now with no transportation. I can pay the entire first years lease with no problem. I feel I've been age and color discriminated.
Product: Debt collection

Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. 

XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX  did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. 

On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX. It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.
Product: Credit reporting or other personal consumer reports

I sent IC Systems a debt validation letter regarding an alleged debt of {$91.00} from the original creditor, XXXX, requesting proof that I owe this debt. They were unable to provide sufficient proof. Instead, I was sent a disconnection notice from XXXX dated months after I had already canceled the service and started a new account. 

The relevant records should be easily accessible since the payments were set up as auto-drafts from my bank account. After canceling the service, XXXX continued to withdraw funds from my account. I reported this unauthorized activity to my bank ( XXXX ), which conducted an investigation. XXXX found that XXXX was not authorized to make those deductions, as the service had already been canceled, and issued chargebacks for the funds that had been wrongly withdrawn. 

Despite this, IC Systems has reported the same amount as a collection account on my credit report. Any review of my account activityspecifically the monthly deductions and the cancellation datewill clearly show that I owe XXXX nothing. 

As IC Systems has not proven the validity of this debt, my next step will be to file a lawsuit against both XXXX and IC Systems for the damages caused by this inaccurate and negative report on my credit.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against a scam provider who charged me {$150.00} through XXXX on XX/XX/2023. Despite being promised a refund, I have yet to receive any reimbursement for this fraudulent charge. I have also disputed this charge with Chase Bank, but they keep referring me back to XXXX and vice versa. 

The charge was made without my authorization, and I have made every effort to resolve this issue with both XXXX and Chase Bank. However, I have not received any satisfactory resolution to this matter. I am extremely dissatisfied with the way this situation has been handled, and I feel that I have been treated unfairly as a consumer. 

I am requesting your assistance in obtaining a full refund of {$150.00} for this fraudulent charge. I believe that it is only fair that I receive a full refund, given the circumstances. I have all the necessary documentation to support my claim, including proof that the charge was not authorized by me and that I have made numerous attempts to resolve the issue. 

I am looking forward to your prompt attention to this matter and a speedy resolution to this issue. I appreciate your help in this regard and look forward to hearing from you soon.
Product: Mortgage

My 2nd mortgage was XXXX in XXXX XXXX XXXX XXXX  I have 2 issues : 1 ) I requested numerous times to receive all my statements and communications electronically. To date, they refuse to do so citing the law doesn't allow them to do so. However, doesn't Regulation Z with the E-SIGN Act allow electronic communications? 

2 ) Recently, I offered a lump sum payment of {$2000.00} to settle my loan, with has a $ XXXX plus balance, in full since I haven't made any payments in the past several years and don't see being able to make any payments in the foreseeable future. This was rejected originally and on appeal per XXXX XXXX at 21st Mortgage. She emailed me the same modification offer after each review which I had to decline because of not being able to make payments. When I responded I couldn't do that she replied " I will notate that you have no intentions and we will proceed as necessary on our end. '' They keep billing me with monthly statements and a separate monthly letter advising how many months I'm behind to bring the account current. I feel they are setting me up for foreclosure to take my home since they won't work with me on the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Aspire credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also 2 dispute online with XXXX All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX
Product: Debt collection

I have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the rights to privacy.

15 U.S.C 1681 Section 604A it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I submitted my first request to XXXX on Tue, XX/XX/year> regarding the incorrect medical billing. My annual physical exam is XXXX % covered as preventive under my insurance and XXXX kept contacting me for the payment despite my attempts to contact them with no response. XXXX has transferred the bill to Credit Collection Services as a debt collector.
Product: Credit card or prepaid card

NORDSTROM has targeted me with discrimination for exercising my consumer rights. My account was closed, unbeknownst to me, on XX/XX/202XXXX XXXX XXXXXXXX without my permission. The adverse action was taken although account is in good standing, not delinquent or in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( XXXX, XXXX, Experience due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Mortgage

In XXXX my husband and I bought our house. Our loan was through XXXX XXXX XXXX and our escrow payment was set to include enough for our homeowner 's insurance. XXXX XXXX XXXX paid those homeowner 's insurance bills for XXXX and XXXX. In XXXX XXXX our loan was sold to Carrington Mortgage, who also raised our payments. Our escrow was supposed to carry over and continue to accrue enough for homeowner 's insurance. I recently was in my account online and saw that it said we had no escrow for our homeowner 's insurance. Come to find out that, for whatever reason, this was not carried over like it should have been. Now I am faced with an almost XXXX dollar homeowner 's insurance bill that is due in a month that I was obviously unprepared for because I thought that my mortgage company would continue to put aside money in escrow for it.
Product: Credit card or prepaid card

Macy 's cancelled my store credit card undenounced to me. No notification that Macy 's cancelled my card that I've had for over 30 years Due to Covid, I did not visit this store for almost 2 years so they cancelled my account, driving my credit to debt ratio to in a downward spiral.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$630.00} Pertaining to Account XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Mortgage

My bank has recently been acquired by Simmons Bank. I contacted in person the branch president XXXX XXXX about the bank not processing my weekly payments correctly. I have a monthly home mortgage payment of {$1000.00} at 5 % interest rate. I have it set up, just as with XXXX XXXX, to apply weekly payments of {$300.00} to my mortgage to save on interest charges. XXXX passed the buck a few different times and is unwilling to help me. He assigned XXXX XXXX to the task and she has worked very hard to get the problem resolved with the home office. They " hold '' my weekly payments until there is enough to make a full monthly payment and then apply the payment. She was told thats just how they do it so i called myself. I talked to the loan processing department and the representative, after speaking via email with her superior, informed me of the same thing. I explained it was unfair and asked to have her supervisor call me to discuss. This whole process has been ongoing since early XXXX. I am fed up and would like some help. thank you, XXXX XXXX personal cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to XXXX XXXX, and I was advised as procaution check my bank account for the next month and if XXXX XXXX  has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that XXXX XXXX  has reported me as deliquent over 30 days, I called XXXX XXXX  and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force XXXX to remove this reporting from the credit reporting agencies. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Attempt to resubmit this complaint regarding XXXX 's response to my complaint. 

CFPB # XXXX Reference # XXXX Account # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan Paid Off XX/XX/XXXX In dispute, that I paid XXXX payment late and it was not received until XX/XX/XXXX. 

Please see attached XX/XX/XXXX payment & XX/XX/XXXX payment to XXXX both paid early in each of those months. 

I do not understand XXXX 's 4th paragraph of their letter to me also attached that XXXX received my payment late. XXXX also gets confused in their letter going back and forth with XXXX & XXXX when year I am rering to is XXXX, XXXX & XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm a California resident and requested a copy of all my consumer data from Transunion mailed to me, as well as to be deleted ( with respect to applicable laws ). TransUnion 's phone number 's listed will not allow me to speak to a human because their system can't seem to verify my information. When I was able to request a call back, the representative spoke to me for barely a minute before hanging up. Regardless, I just want a copy of my data sent to me by both mail and email ( XXXX ) and then to be subsequently deleted. Not the credit report, but all the consumer data about me that's shared and sold with other parties without my consent. I've been able to do this successfully with XXXX and XXXX and don't understand why TransUnion is making this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$2500.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and the IRS pass my SS Number on to people that shouldn't have had it iI have an extended fraud alert on my file with NO PHONE NUMBER. I CAN'T EVEN GET A CREDIT CARD NOW. Transunion is clueless in how to fix it and XXXX won't help me either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Terrace XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and it is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I ask that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

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

I applied for a auto loan maybe a year ago and I see inquiries from multiple companies on my credit report that I did not approve I also see multiple credit card inquiries that I knew nothing of and inquiries that I'm not even sure what they are for that are reporting on my credit. 
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, credit repair services, or other personal consumer reports

erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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