23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.
Product: Debt collection

Good evening I have a issue so I paid a debt through the debt collection which is Overton Russell Doerr and Donovan agency back on XX/XX/2019 and its still showing on my collection agency I was under expression that they had 90 days to report a paid balance to a collection agency and here it is XX/XX/XXXX and I go to the bank to get a loan possibly for a home mortgage and they said they are still on their which is way past 90 days now so i have my statements from when i paid i also called and her exact words we received payment but never reported it so we will now and it will take about 60-90 days i find it very upsetting that i have to wait another 90 days. Which puts a hold on me purchasing a home which  also a inconvenience due to my wife is set to have a child in XXXX and we are living with her mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.
Product: Credit reporting

Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.
Product: Debt collection

COLLECTOR KEPT CALLING MY FAMILY AND AT WORK 16 TIMES IN 30 DAYS AND BILLING FOR A DEBT NOT MINE.
Product: Credit reporting or other personal consumer reports

This is my multiple request to remove these inquiries of my credit report there is no action until, now. 

EQUIFAX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX XXXXXXXX
Product: Mortgage

My loan was recently Sold from XXXX XXXX to Shellpoint/New Rez loan servicing company. Sale date was XX/XX/2023. My forbearance plan was set to expire XX/XX/2023 with XXXX XXXX without an extension. However I attempted to request an extension with XXXX XXXX loss mitigation department prior to the transfer of the loan. Due to the incompetence of their customer service rep I was told to call in again after XX/XX/2023 to request an extension. Exactly on XX/XX/2023 I called XXXX XXXX they informed me my loan was sold to Shellpoint/New Rez. Up until the date of XX/XX/2023 XXXX XXXX did not XXXX according to XXXX XXXX XXXX guideline with me regarding the ending of the forbearance. 

At this moment my extension for my disaster forbearance is unresolved and is marked as " expired '' at the time it was sold to my new servicer. Shellpoint/new rez as of this date has not responded with a resolution this issue, Or even attempted XXXX according to XXXX XXXX  Servicing guideline for any workout solution. They are putting me in a normal delinquent status with no regard to my previous forbearance plan. 
As of today Im only XXXX months into my Disaster Forbearance Delinquency I still allowed complete up to 12 months. My current inability to extend my disaster forbearance of my loan is due to incompetence of my previous servicer and inaction taken by my current servicer.
Product: Debt collection

The credit collection was reported inn my credit and I tried contacting them and they would not listen to me to remove it because this collection is apart of my on going identity theft.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the creditors listed. Please remove them from my credit report as a matter of urgency. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

So i was at the XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX  on XXXX at around XXXX and i attempted to put XXXX  gas on pump number 2 and take out XXXX cash back so using XXXX XXXX i put my phone up to the card reader and my transaction was declined. I then realized i forgot to transfer over my earnings from XXXX XXXX  so i stepped back and immediately transferred my earnings from today which was XXXX ALL OF THIS IS ON CAMERA BTW. So i then step back up to the register and try it again which was successful. So i go about my business until about an hour later whem i log into my online banking because I had received a text about the transaction going thru i then look at my online banking and see that it has. I immediatly go to back to the gas station and show this to the worker and she assured me that it did in fact decline and that i was more then welcome to speak with her manager in the morning she then gave me the hours that she worked. So i then came back the following day and spoke with the manager i then gave her all my info and the time i did the transaction. So she took about XXXX  min to locate the footage and she verified from the tape that it did in fact decline because she could see the Decline Chit print up. She told me that she would gladly verify this all with my bank because no money was ever given to me. Because no money was Ever given to me because the transaction declined. Also the transaction was XXXX not XXXX I wouldnt be able to get cash back without first buying something such as gas. So after verifying all this i then called my bank and the first person with the bank basically implied i was lying. Then i issued a complaint for how i was being treated. Then when someone else called me back they informed me it wasn't their job to call the gas station and if i wanted any money back my best bet was to file a police report. Their wasnt any money stolen as they could easily find out by reaching out to the merchant.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request according to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX credit card account- {$840.00} closed, and XXXX XXXX  loan accounts opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX under the account numbers ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

My Extended Warranty benefit has been denied despite meeting all of the written requirements of the program : Claim Number : XXXX - Citi card ending : XXXX. 

On XX/XX/year>, I filed a claim for a failed microwave that was purchased using my XXXX Citi credit card. Citi 's Benefit Administrator ( XXXX XXXX XXXX ) sent an email confirming the claim along with instructions regarding the required documentation : Required Documents : 1. Itemized Store Receipt showing purchase of item 2. Repair Estimate or statement of non-repair ( with diagnosis, breakdown of cost, and condition of item ) 3. Extended Service Plan, if you purchased one 4. Credit Card Billing Statement, if the last 4 digits on the purchase receipt do not match your Citi card number or are not displayed The required documentation was submitted via email on XX/XX/year>. For privacy reasons, a redacted credit card billing statement was submitted, which simply redacted purchases not related to the claim ( ALL other statement information was included ). 

On XX/XX/year>, XXXX  XXXX XXXX sent a follow-up email requesting : ***Please provide the full Citi billing statement showing the original purchase ( s ) and the last 4 of the card. Full billing statements can be requested online or at Citi Customer Service XXXX. Please note, we can not accept screenshots of transaction details or redacted statements. Thank you. *** When I challenged the need for the redacted information ( due to of privacy concerns ), XXXX  XXXX XXXX stated it was an internal requirement. When I asked to at least see the policy/requirement, they stated they could not provide it ( presumably due to privacy/confidentiality concerns ). 

My requests for escalation/review of the issue to both Citi and XXXX  XXXX XXXX have resulted in no relief from this unreasonable request/invasion of privacy matter. 

As a result, my XXXX XXXX  claim has not been paid and my benefit has effectively been denied due to an unwritten requirement that was never included or disclosed in the Terms and Conditions of the credit card agreement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C XXXX ( XXXX ) ( b ), which requires credit reporting agencies to investigate disputes and correct any errors in a timely manner. 

The item in question is a charge-off that has been incorrectly reported on my credit report by TOYOTA MTR XXXX Not only is this information inaccurate, but the creditor has also filed a XXXX form to report the cancellation of the debt. The filing of the XXXX signifies that the debt has been forgiven or discharged, which contradicts the ongoing monthly reporting of a charge-off. 

Under XXXX XXXX XXXX ( XXXX ) ( b ), you are required to conduct a reasonable investigation of any disputed information and correct any errors. In this case, the continued reporting of charge-off by TOYOTA MTR is incorrect since debt has already been forgiven as evidenced by the XXXX form alleged to be filed. This misreporting is unlawful and results in the continued negative impact on my credit report. 

Please investigate this matter immediately and update my credit report to reflect the accurate status of this account, in line with the XXXX form and the cancellation of debt. If the creditor is unable to provide evidence substantiate the charge-off reporting after the debt cancellation, I request that this account be removed from my credit report entirely, as it no longer reflects the accurate status of the account. I look forward to your prompt attention to this matter and a resolution in accordance with the Fair Credit Reporting Act. Please provide me with written confirmation of the actions taken and any updates made to my credit report.
Product: Credit reporting or other personal consumer reports

I was able to indentify that the all 3 Credit Bureaus have been reporting my DOB as XX/XX/XXXX, but is actually the year XXXX incorrectly. 

I sent them a letter informing them of such on XX/XX/XXXX and none have yet to make the change.
Product: Mortgage

On XX/XX/XXXX we submitted a short sale to be reviewed by Fay Servicing. The application submitted included a Request for Mortgage Assistance form which outlined my goals to sell the property to a purchaser who offered to by my home ALL CASH. Fay refused to review this short sale application. XXXX at Fay informed me on XX/XX/year> that Fay refused to review this case as it was inside of a XXXX window before a sale date.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding your continued attempts to collect on alleged debts. I am specifically addressing the following entities : LVNV Funding, LLC XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX You are hereby notified to immediately cease and desist all communication with me regarding any alleged debts associated with your agencies. This includes, but is not limited to : Phone calls to my home, work, or mobile device Emails, text messages, and mailed correspondence Reporting inaccurate or unverifiable information to the credit bureaus Any further collection attempts directly or through third parties I formally dispute any and all claims of indebtedness you allege against me and request validation of any purported debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to furnish verifiable proof of the original contract and balance owed, this matter must be closed immediately, and any negative reporting must be deleted from my credit file. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, any further communication in violation of this request will be documented as evidence for potential litigation. 

I demand written confirmation within 30 days that all collection efforts have ceased and that this matter is considered closed.
Product: Vehicle loan or lease

Hello, I am in the middle of purchasing a new home. For some reason, my mortgage lender wanted me to pay off my lease. Last Tuesday, XX/XX/XXXX, I submitted a payment in the amount of the final two months owed through the Hyundai Motor Finance website. I called their phone number at XXXX because I was told the account was not showing as closed. I was told by the representative that they saw the amount was received and my account showed a XXXX  balance. They said to look again the next day ( Friday XXXX ) and my credit report would be updated. Between Friday and today ( XXXX ), my credit report showed the account as still open. Two calls to Hyundai and they claim they held the XXXX payment in reserve instead of paying the account. Attempts to get even an unofficial closing letter were denied and now I may not be able to get my mortgage on time because Hyundai lied to me last week. I will never used Hyundai again. They are dishonest, do not care about their customers and are unwilling to correct their mistakes.
Product: Debt collection

I sent a debit validation letter on XX/XX/2023 and I havent received any written information back.
Product: Credit reporting or other personal consumer reports

attached accounts are not mine, please help in removing this no proof has been sent. and inquiries are not mine. Identity theft attached along with my id and social
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$91.00} and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Subject : Dispute Regarding Unauthorized Charge Chase 's Refusal to Resolve Complaint Summary : I am filing a complaint against Chase Bank for refusing to reopen and resolve a dispute regarding an unauthorized charge on my credit card ending in XXXX. 

The charge in question, {$120.00}, was made by a XXXX XXXX. However, this charge should not have been applied because I had prepaid {$130.00} for the same stay through a third-party payment platform, XXXX, and have been paying it monthly. 

I provided Chase with the following supporting information : The date, time, and details of the transaction. 
Proof of the prepaid {$130.00} charge through XXXX for the same stay. 
Confirmation from the hotel that they could not locate the {$120.00} charge in their system and therefore could not refund it. 
Despite this, Chase continues to claim that the merchant has validated the charge and has refused to refund the amount to my account. This has caused significant frustration and inconvenience, as both Chase and the merchant deny responsibility despite my clear evidence. 

Desired Resolution : I am requesting the CFPB to investigate Chases mishandling of this dispute and advocate for a proper resolution. Specifically, I would like Chase to : Reopen the dispute and thoroughly investigate the charge. 
Provide a refund of {$120.00}, as I have proven that this charge is invalid. 
Escalate this issue to the executive or corporate level to ensure fair treatment and resolution. 
Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I always keep an eye on it, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was just a technical error, but the mistakes were still there. This issue has left me feeling incredibly uneasy, and XXXX requesting a detailed examination of the documents I've provided to ensure this doesnt recur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times thru credit bureaus to remove XXXX XXXX as it is fraud, I did not open this account and have filed Identify Theft Report. The bureaus reported back that the merchant stated it was accurate. 
I have contacted XXXX XXXX, at great difficulty as the calls go to the XXXX call center, and the only option is for the person to escalate the call and someone will contact you. An email was received from this procedure and I followed their procedures, ie email and sent the fraud report. Not successful in replying to email by called as you then get the same run around. I have sent certified letters requesting XXXX to furnish me the documentation used to open this account as required by law, and a form letter dated XXXX was all that I received saying the account is valid. 
I am told this company is termed a " XXXX XXXX Account ''. My XXXXredit score runs in high XXXX 's to XXXX, I don't need a credit builder account but I cant get thru to the proper people to remove the account and it is now showing past due and can affect my score. 
The account was opened in XX/XX/2023 and I first was made aware XX/XX/2023 report. 
Please see all my attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - XXXX- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us
Product: Credit reporting, credit repair services, or other personal consumer reports

I really dont even know what to say at this point. I have filed so many complaints and called Equifax so many times and wrote so many letters and its been 8 months and still this issue has not been resolved. So now I am submitting this as a last ditch effort to resolve my issue before taking legal measures to resolve this ongoing problem
Product: Debt collection

XXXX XXXX XXXX  of Missouri {$540.00} account was opened fraudulently by an unknown individual at a residence I never lived at.
Product: Checking or savings account

I am a XXXX XXXX XXXX man, but because of a XXXX I sometimes behave as a very young teenager and my mother has to handle my finances and doctor 's appointments. i had an account with Capital One where my part time paycheck was deposited. I received a fraudulent check on XXXX and without knowing I tried to deposit it on my Capital One account and the bank closed my account and sent me a check for the balance on the account of {$420.00} dollars. I kept the check uncashed and when I gave the check to my mother I was already over 360 days. My mother does not speak XXXX and she tried to get some help to call the bank and explain the problem. My mother needed some help to explain the problem in XXXX. today my mother asked my XXXX to help me call the bank and try to get my check reissued. i had to talk to the bank representative and use my phone to verify my identity, but the representative informed me that because I did NOT cash the check which was issued on XX/XX/2019, it had expired and I had lost my money. I really do not understand why the bank could not issue a new check when other financial institutions are able to do it. The New York XXXX Funds has checks for years without being cashed and are waiting for the owners to claim it. I think Capital One practice only benefits the bank and does not take into consideration cases of those with XXXX or XXXX adults. I have caused some stress to my mom by sending money to scam callers in the past and so on. Can someone help me get my hardworking money back?