23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report 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

accordance with the fair credit Reporting act XXXX XXXX  XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I was explicitly told that there would be no mortgage payments taken from my account for XXXX or XXXX. At the same time I was asked if I would mind paying XXXX of the closing fees ~ $ XXXX to the notary when signing. I asked again if I would be charged my normal mortgage payment in XXXX and once confirmed that I wouldnt I agreed to pay the $ XXXX. 

I checked my bank account and realised that they had in-fact taken the XXXX payment so now Im down that ( $ XXXX ) plus the fees. 

When I queried why the payment was taken I was told that it was because I had automatic payments set up I was never informed to stop the automatic payments set. I was told that the money would be refunded. I was told that I would be receiving ~ $ XXXX back, when I questioned why it was $ XXXX less that what was taken I was past off to another department to do the digging myself. 

20 days have now gone by and I still dont have a refund for the money taken. Every time I email to find out what is happening I get told it is in process. I feel like Im not getting anywhere and Im still out $ XXXX.
Product: Debt collection

Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
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 confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Product: Debt collection

XX/XX/XXXX attempt to contact treasury dept. debt shows as student loan. No response to automated vm system. No return call. Sent letter to treasury listed on XXXX. No statement from treasury no proof of debt. Disputed to credit agency responded debtor states valid. No proof of debt. Associated it with possible identity theft due to home burglary. 

XX/XX/XXXX received correspondence in mail from CBE group identified themselves as treasury collection agency. I disputed debt again. They stated debt was associated with Bankruptcy trustee. Bankruptcy records fully XXXX XXXX  XXXX business reorganization completed XX/XX/XXXX. 

CBE stated ordered proof of debt from Treasury by XXXX XXXX but not yet returned. XX/XX/XXXX spoke with CBE rep XXXX XXXX state no proof of debt received and confirmed my verbal and written dispute of denying the validity of debt on file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding numerous inaccuracies on my credit report. Equifax has repeatedly reported incorrect names, addresses, and accounts that are not mine, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute submissions, Equifax continues to respond within 24 hours stating that the accounts are accurate, without providing any supporting documentation or evidence of a thorough investigation. This failure to conduct a reasonable investigation is a clear violation of the FCRA, 15 U.S.C 1681i, which mandates that credit reporting agencies must properly investigate consumer disputes. 

Additionally, Equifax has ignored the documentation I have provided illustrating that I was a victim of their data breach, which has resulted in years of false reporting on my credit file. Their failure to acknowledge or address the impact of this breach has directly contributed to the ongoing harm to my financial reputation. 

Equifaxs actionsor lack thereofalso appear to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding against them ( File No. XXXX ) for similar misconduct. Their refusal to supply supporting documents for their claims and their pattern of ignoring evidence presented by consumers demonstrates a systemic failure to comply with federal law. 

I request that the CFPB take immediate action to ensure Equifax complies with the FCRA and CFPA by properly investigating disputes, removing inaccurate information from my credit report, and providing the necessary proof of investigation. Equifaxs ongoing negligence has caused significant and unjust harm, and regulatory intervention is necessary to prevent further violations.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I opted out of any and all authorizations to publish XXXX accounts stated in my permissable purpose letter, as well as the violation of 15 USC 6802.
Product: Credit card

basically i had a high credit limit for a few months without knowing because the bank didnt update my address when i informed them! so when i checked in on my account i saw it was over due so i payed XXXX to bring it current then i also payed XXXX and changed my minimum monthly payment only to find out a week later that they revoked my credit... no warning no call no text just ended my XXXX XXXX XXXX account XXXX limit... i called to change the due date and thats when i found out... i didnt even call for this reason i only found out because they said they could change my billing cycle and when they looked into it they said it was because my credit was revoked XXXX weeks ago ( the XXXX of XXXX ) its the XXXX as i right this now... i am beyond XXXX because the credit history for my business is gone now...
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.
Product: Credit card

I submitted a complaint on XX/XX/XXXX against Bank of America on another credit card I had with them because they were not applying the payments I was making to my BOA credit card using my BOA checking account. They were holding these payments and as a result charging me a late fee. I was making these payments exactly as one of their reps told me to which was to transfer the funds from the checking account to the credit card. They held the funds I submitted as payment and charged me a late fee anyway. The following are dates and late fees charged to me. XX/XX/XXXX - {$35.00}, XXXX XXXX, XXXX - {$40.00}, XXXX XXXX, XXXX - {$40.00}, XXXX XXXX, XXXX - {$40.00}, XXXX XXXX, XXXX - {$35.00}, XX/XX/XXXX - {$40.00}, XX/XX/XXXX - {$27.00}, XX/XX/XXXX - {$40.00}, XX/XX/XXXX - {$35.00} and XXXX XXXX, XXXX - {$40.00}. Total - {$370.00}. I also have this credit card with them and upon researching the statements noticed the bank did the same thing on this credit card as the other one. They held my payments then charged me a late fee almost every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I spoke with a Loss Mitigation to work out an arrangement to catch up my back mortgage. We were in forbearance and it was ending end of XXXX. I agreed to a program and was told I would receive paperwork in the mail in a couple of weeks. I was advised that my credit would not be affected. XX/XX/XXXX a late payment report showed up and I contacted them again. The agent said not to worry once the paperwork was filed it would all be cleared up. I contacted Loss Mitigation on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not not receive any paperwork until XXXX which we filled out and sent back the very next day. The paperwork did not get processed until XX/XX/XXXX. By then I have had 2 late payments reported even though I continued to make payments. I have emailed the research department per Loss Mitigation instructions on XX/XX/XXXX and XX/XX/XXXX. We communicated back an forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There hasn't been anything resolved and typically take 30 plus days to respond to any inquiry. There is still negative reporting which is not allowing me to refinance away from the terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything that validates the alleged debt is mine. I need to see the original contract with my signature and the signature of the person I owe alleged debt to. I need to know who owns the alleged debt as well as their address. According to 15 U.S. Code 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Therefore if the above information is not provided the alleged debt is not validated and according to 15 U.S. Code 1692g ( b ) all collection efforts shall be ceased.
Product: Credit card or prepaid card

American Express sent an offer to my existing account blue cash everyday credit card for upgrading to blue cash preferred card, as part of the upgrade the company required us to complete {$1000.00} purchases in 3 months with an annual fees of {$95.00}. After completing the purchases last year, the company awarded the promotion as a statement credit to the account. After evaluating that there was a limited use of the card and in order to avoid future fees associated with the preferred card, the customer requested to downgrade the card to original card. American Express downgraded the card but charged a statement credit reversal to the customer. Upon reaching out the customer service, the following 3 things needs to be noted : 1. American express follows a deceptive practice with promotions violating UDAAP to reverse the promotion even when the customer completed the promotion in the required amount of time 2. Upon reaching out to American express and asking on why there was a charge and disputing the transaction, there was no clear determination made by American Express if the disputed charge was correctly made. American Express representative described that the company will need 2 weeks time to complete determination, however declined to dispute the transaction and the customer is required to make the payment for a charge which the customer has already disputed, violating Reg Z 3. On XX/XX/XXXX when the downgrade was requested over phone, the customer service didn't mention there will be additional charge added to the account following a downgrade or gave customer the choice to make a appropriate decision sharing full disclosure. Again violating TILA and displaying UDAAP Below was the record of the dispute and related complaint ( reference : complaint case number XXXX ) with the company however American Express continues to require the customer to make the payment. 

Please take an appropriate action firstly to ensure customer does have the right to dispute transactions and not forced to make payment, and secondly for following deceptive practices to violate the use of promotional offers
Product: Checking or savings account

A fraudster walk into a Citi Branch in XXXX NY and cashed a {$4300.00} dollar check against my account. The check was drawn on XXXX made payable to my name. I contacted Citibank and the Rep gave me the run around for hours. I then proceed to go to the Branch in XXXX NY and see if I could have the matter resolved. The Branch Manager XXXX authenticated me and verifed my ID. I spent 5 hours in the branch and I am XXXX to avail. I left with XXXX obtaining a reference number for my case and submitting an afffidavit of forge check. Citibank has yet credit my account back for {$4300.00} hunder dollars which their teller allowed to walk out of their insitutation. I ask about a temproary credit as they Citibank know I did not do this and was told I do not have a enough money for that, I am not the type of customer who would receive a temproary credit even thou Citi bank Rep agrees it wasn't me that did this. Please note that I am a XXXX - XXXX MALE XXXX years old.  Becasue Citi bank yet to credit my account I am unable to pay my bills and I am now diliquent. This started back on XX/XX/XXXX when the fraudlent check was cashed against my account. I am looking for Citibank to make me whole refund my {$4300.00} plus late fees on my bills and the {$12.00} dollar fee Citibank charged as the check that was used to obtain the {$4300.00} was stolen from a XXXX client who placed a stop payment on that check. I am writing the CFPB because this morally wrong, and just not right. please help me in case. I can not go to the branch again and sit for 5hours and nothing is done. I can not continue to call Citibank Customer Service and be drop from the call or given the run around.
Product: Credit card or prepaid card

In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.
Product: Debt collection

My name is XXXX XXXX I applied for a credit card with Capital One, XXXX XXXX XXXX.I took full accountability for this account, for the late and missed payments I lost my job due to the COVID-19 disaster. Once I found a job I called Capital One and settled the debt with them on XX/XX/year>, Also I noticed on the receipt the amount I settled with these companies was not listed. I called XXXX XXXX NA about this matter and respectfully asking them could they please remove this account from my credit report im trying to get a mortgage loan, the customer service rep was very rude says nope were not deleting it can stay on your credit report for 7-10 years. I said thank you and have a good. this account I settled with Capital One NA, has caused emotional stress, on me and my family. I've also Called the Credit Bureaus about this matter as well and I've uploaded Documentation of the debt receipt being resolved. When you try to better yourself seems nobody cares.
Product: Debt collection

Complaint filed on XX/XX/XXXX with company - they continue to send me collection letters. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. 

The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX ( approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. 

Former complaint number : XXXX Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from Experian and XXXX. I do appreciate XXXX  responding to some of my concerns but there are still some inaccurate items that need to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.