23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wrote a validation of debt to company. Sent certified mail on XXXX/XXXX/XXXX. Debt Recovery Systems received certified mail on XXXX/XXXX/XXXX @ XXXX. Failed to receive validation of debt from said company. Debt Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Checking or savings account

The incident occurred on the night the XXXX of XXXX @ XXXX XXXX I woke up before my AM shift, to 5 ATM withdrawals from my account. A total of {$1800.00}. 
Ive filed a claim with my bank to get those disputed but the case was immediately closed. I was told to get a police report which I did only to have my rebuttal claim denied again. They tried telling me because I still had my card on me when the transactions occurred that it couldve been me. I didnt make any of the transactions at all. Ive become frustrated & is now seeking government help. Down in the attachments : Ive included the denied rebuttal claim, the police report & also my work schedule to provide emphasis on me being in bed that time the incident occurred before my 10 HR shift. 
If Not too far from relevance Ive attached a news report I recently saw that involves & mention the bank Im filling a complaint against & shows a lady thats going through a similar situation like mines https : XXXX
Product: Credit card or prepaid card

In accordance with the Uniform Commercial Code and U.S.C. Capital One has violated my rights to discharge according to U.C.C. 3-603 Tender Of Payment. States that the payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having the right of recourse with respect to the obligation to which the tender relates. U.C.C. 3-311 Accord And Satisfaction By Use Of Instrument, U.C.C. 3-104 Negotiable Instrument, U.C.C. 3-419 Instrument Signed For Accommodation, 12 U.S. Code 411 Issuance to reserve banks ; nature of obligation ; redemption, U.C.C. 1-308 Performance or Acceptance Under Reservation of Rights. Now I have sent out a few tender of payments which Capital One failed to credit my account with the coupon which they refused and failed to do. Lastly, they closed my account which they are not supposed to do and not allowed to do and that is to my knowledge.
Product: Student loan

I 've been paying on my student loan for years and can not get it down. XX/XX/XXXX I paid the interest in full with my tax refund which brought the loan amount back down to it 's original amount of {$13000.00}. I 've been trying to pay the minimum payment plus interest but every month so far it 's gotten out of hand and I ca n't make the extra payment which means I will never get this paid. Is there anything at all I can do to get them to stop adding on so much interest EVERY MONTH? I can not find another company willing to consolidate this private loan. This was a XXXX school located at XXXX XXXX in XXXX XXXX, which may no longer be around.
Product: Payday loan, title loan, or personal loan

I used Affirm for a installment loan purchase at XXXX XXXX XXXX. The card was authorized up to {$1200.00} and I used {$910.00}. Part of the order was not available and therefore I never used the full amount and the company never authorized the full amount. Currently my loan amount and interest is based off of the full amount, along with fees, and Affirm resports to credit bureaus so they are in turn reporting the wrong loan data, i.e. loan amount, fees, and even payments. I have reached out and provided documentation showing the amount used and amount processed. Affirm refuses to update.
Product: Mortgage

The house payment was {$540.00}, I missed a payment or 2 while in XXXX, Tried to work with them to fix it but they wanted to foreclose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I have contacted Portfolio several times to ask to show proof that this was my debt and they can not provide any information. They had removed it from my credit during the beginning of the year and now it is back on report. See attached correspondence and credit report.
Product: Credit card or prepaid card

I received a US Bank gift card as a wedding gift The card has expiry date of XX/XX/XXXX, and prior to expiration i checked the balance only to find that US Bank charges a {$2.00} fee per month after 12 months of card issue, so nearly 80 % of card value was gone well before the card expiry date No charges were incurred on card, no transactional work incurred by US Bank, and yet they are allowed to charge {$30.00} a year on every gift card that is not in active use?? That is absurd and higher than the interest rate carry warranted given that they also have charged the prepaid card buyer already for the card. 

CFPB should fight for consumers and remove pre-paid gift card monthly inactive fees - this is predatory by industry
Product: Checking or savings account

i contacted chase regarding unauthorized purchases on my account the explanation given was that because i had my card in my position there fore they couldn't refund the unauthorized purchase. it was explained to them that i don't know who the vendor is and i haven't purchased or authorized any transaction. 

vendor : XXXX # XXXX transaction date : XX/XX/2017 amount : XXXX claim date XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED ALL THREE CREDIT AGENCIES, XXXX, TRANSUNION, XXXX  AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
Product: Credit reporting or other personal consumer reports

My equifax credit report has been frozen for at least a year, I attempted to get the freeze removed numerous times and have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XX/XX/XXXX. I had two credit cards from XXXX XXXX that were included in that bankruptcy which is almost paid off, current, and never delinquent. XXXX XXXX and Trans Union are reporting late payments to those XXXX XXXX accounts as recently as XXXX. I was never late on those cards ; they are included in bankruptcy ; I do not make any payments to XXXX XXXX on those cards, therefore, payments are not late and should not be reported at all. I have tried to get this corrected. The " late payments '' are affecting my Trans Union score and are creating a barrier to getting a mortgage. 

They must remove any payment history after XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute information on my LexisNexis file and have not been able to successfully get the information actually disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX  stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report.

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.
Product: Debt collection

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed Kia Finance America account No. XXXX. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Product: Debt collection

On XX/XX/XXXX, I mailed out a Validation of debt request to Rubin and Rothman, LLC. I have not received a response whatsoever. I want this account removed from my report.
Product: Mortgage

I had property in XXXX, AZ. I bought in XXXX as a single Mom. Got married in XXXX and we needed to move to Colorado for better job opportunities. The mortgage was upside down, I set up the property with a rental management company. In the end of XXXX we got behind on the mortgage. 
I started to work with my mortgage company on a modification in the beginning of XXXX, at the time it was Green Tree. During the process Ditech merged with Green Tree or vice versa. Finally, I was approved for modification payment trial in XXXX XXXX. I satisfied everything, the trial payment and all documents. They sent me a packet in XXXX XXXX to sign and I never received it. 
I called in XXXX and because the packet was sent back by Mailman, I was no longer eligible for modification. Ditech said " sending packet back unsigned disqualified me for the modification. '' even though it was in there system as " mailman sent back, wrong address. '' Up to that point I was receiving statements from them. 
I talk to a Supervisor and according to her, they were told in XXXX XXXX, that they had a wrong number for me. They did n't call me but I have had the same phone number for over 10 years. Ditech started to send all notices to the mortgaged address. 
In XXXX, I find out that my house is in the foreclosure process but they let me try again for a modification. Between XXXX and XXXX I kept sending in documents, every time I followed up, they needed more docs or I sent in wrong docs, updated paycheck stubs, the updated tax form needs filled out. XXXX first I was denied the modification, they give me a whole list of reasons why. I call the lawyer to request reinstatement amount, the lawyer got very upset with me because he thought he spoke with me prior. Which he did not. He also got upset because I called on the first and the sale was on the XXXX, with a holiday. " I 'll see what I can do '' was his response, after I explained I just found out I was denied modification. I got the reinstatement amount on XXXX XXXX about XXXX XXXX time. but because it was the day before sale they did extend my deadline to the XXXX of the XXXX, if I sent a tracking number for the check {$6000.00}. The lawyer did send me a reinstatement from XXXX on XXXX XXXX so I could guestimate the reinstatement. 
The tenant in my house stopped paying rent in XXXX because all mail from Ditech was going to her and she learned about the trustee sale before I did, I learned from my property management company. I called Ditech and they transfered me to the " Law '' department. The person I spoke to told me that " it was lost cause. '' I had been in communication with various people at Ditech and no one informed me of the scheduled trustee sale, that was scheduled in XXXX. I learned about it in XXXX. 
The letter they sent me said " did not receive all required docs. '' is why for the denial. 
XXXX XXXX is when the trustee sale was. 
My home that I have hung onto for 15 years has been foreclosed. 

I feel that they are not understanding and I also feel that I was strung along.
Product: Debt collection

Hello, I am fighting this collection due to the false payments that they say have not been made my account has been active with no late payments or any problems but now there has been problems they are saying due to late payments Ive paid my bill constantly they have switched my payments to two accounts and I only have one credit card they have never told me via phone any past due payments as I would have paid they say they sent letters but I never received and yet and still I call them and they don't say I owe anything to them they have been charging me interest and late payments over and over again throughout these months and I am not paying interest on anything I did not know of and spoke with representatives several times and NOTHING was mentioned. 

please remove this off of my credit!
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Student loan

I have called both department of education and the federal loans agency pertaining to appropriate forms and options. 
I found out I had to apply for public forgiveness and income driven repayment ( XXXX payment ). I have filled out these forms both hardcopy and electronic. I faxed the hardcopy to the number provided on the form itself and the electronic side was additional documents that did get confirmed ( received ). 
I call a few days later to make sure everything went through and they claim they did not receive any forms to process. I submitted the forms over XXXX times. they are not flexible and continue to charge me despite my attempts to resolving and managing my student loans.
Product: Mortgage

On XX/XX/19, an strongly worded email from ZINC financial just let me know that a highly expensive forced place insurance was tagged on my current loan. I was not notified of the issue writing, by mail, until this point, which the change was communicated via email. ZINC has not disclose how expensive in this forced place insurance, but the core problem that there has not being lapse of coverage. In fact, I provided ZINC with a copy of theXX/XX/XXXX for the insurance, but they are now adding more requirement to it. For example, they want me to provide that these policies have been paid in full, but that doesnt make any sense.
Product: Mortgage

My mortgage was transferred from XXXX to Nationstar. Nationstar is charging a {$9.00} processing fee for any online payments made after 9 days, even though according to my mortgage I have two weeks before a late fee is assessed. This seems like a late fee by another name.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : 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 card or prepaid card

On XX/XX/2019 Chase card services contacted my wife, XXXX XXXX on her personal mobile phone ( XXXX ) XXXX. My wife is not listed on this account, nor has she ever been associated with this account. Chase card member services disclosed all my account information and balances with her, without my consent and agent apparently did not understand once my wife asked her to stop. I am the card holder. I do know my account had her phone number listed, as alternative number but feel as if a federal law has been broken by this action.
Product: Mortgage

Loancare purchased my mortgage from XXXX in XXXX 2017. I had already made my XXXX payment to XXXX and have since made my XXXX payment to Loancare. Both checks have cleared the bank. I have explained to Loancare on  multiple occasions that the XXXX payment was sent to XXXX and have assured me that they would get that from XXXX. But, they have continued to hassle me duringXX/XX/XXXX for the payment and I just received a default notification in the mail with threats of foreclosure. My credit rating is very high, because I always pay bills on time. This is nothing short of harassment.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt from Diversified XXXX because I have no knowledge of this account. I have disputed this debt with the major credit bureaus and as a result, this collection was deleted from my account. I am still receiving threatening and harassing phone calls from this company on my cellular number, and they are also contacting my wife 's cell number and being very rude and menacing.
Product: Checking or savings account

I opened a money market with UFB Direct also known as Axos Bank in XX/XX/2023. I was not informed that a {$5000.00} balance was required to avoid fees. From the first month, the bank began deducting fees, and did not notify me via email, although I had provided that at account opening. When I went to do my taxes, I logged in to find my deposit severely deleted due to fees, although I had no transactions or activity with the bank. When I called in, a representative stated that the fees would be refunded and I could close the account the following day. I made a record of this call. I checked the following day, and only {$20.00} dollars was refunded. I called again, and another rep offered to refund an additional {$15.00}, but said that the bank was after hours and I could call again the following day. When I called the following day, another rep said I refused the {$15.00} dollar refund, so that would never be offered again! That is, I was being punished for refusing {$15.00}, when I had been promised a refund of all the fees. 

This bank and the way they do business and do not make fair disclosures to consumers is a total scam. They use offshore representatives and do not maintain any US offices.