23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Exeter Finance LLC. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the allege debt. Referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.
Product: Student loan

Sallie Mae is raising my monthly payment without my consent. They refuse to work with me on a lower payment, even though I have said I need it lower. They call daily and have began calling my spouse, even after many requests to remove his contact information.
Product: Credit card

I went to my mailbox today and found that Capital One sent me a letter dated XX/XX/year> informing me that both my credit card accounts were closed. I called them and spoke with a supervisor named XXXX who stated I had XXXX returned payments within a year. I told her that is impossible. I asked her if both cards have these returned payments? She said, no. Just my XXXX card. She and I went through the bank statements for the XXXX card because she said I had a return payment in XXXX, XXXX, XXXX and XXXX. We looked at XXXX and she said there was a {$25.00} payment returned. This was an automatic payment where Capital One continually kept on my account, even when I contacted them several times to remove it because they would hold my payments for weeks and I told them I would rather pay myself. So for XXXX I made a payment of {$390.00}, and because they kept the automatic payment on that {$25.00} is counting towards the XXXX returned payments. For XXXX my payment was for {$4.00} was paid on time. She stated it was not but the bank statement shows I paid my balance twice in one month. I paid {$340.00} and a payment of {$170.00}. I found this to be true for XXXX as well. Also I found they still repeatedly kept the automatic recurring payment after multiple phone calls to customer service to take it off. This allowed them to double -dip continually. So I was making payments and they were still automatically taking payments.
Product: Bank account or service

I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything
Product: Mortgage

I have a mortgage with Ditech and have been overcharged {$1900.00} for a monthly mortgage payment. I notified Ditech of the overcharge right away and it has been two weeks now and I still have not been refunded the money. {$2000.00} is a lot to me and I need to live on. If I am overcharged I expect the money to be retuned within a couple of days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Fraud Alert and Removal of Fraudulent Accounts Dear, Experian I am writing to formally report that I have been a victim of XXXX XXXX As a result, I request that all fraudulent accounts and addresses associated with my name be removed from my credit report. 

Under the provisions of the XXXX XXXX Debt Relief Act, I am entitled to protection from debts incurred as a result of identity theft, including the removal of inaccurate information from my credit report under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 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 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 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  Please consider this letter as a request for a fraud alert on my credit report and the investigation of all accounts that do not belong to me. I have attached a copy of my identification and any relevant documentation to support my claim.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX and XXXX must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a XXXX XXXX Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with XXXX XXXX standards and must be deleted immediately.
Product: Debt collection

Re : Complaint Against Zions Debt Holdings Violation of FDCPA ( Case Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Zions Debt Holdings for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a Cease and Desist letter to Zions Debt Holdings, requesting that they cease all communication with me through any and all mediums, including reporting the alleged debt to credit bureaus. However, despite my request, Zions Debt Holdings ignored this instruction and contacted me on XX/XX/year>, with the following communication : " We purchased your XXXX alarm account. Your balance owed is {$1400.00}. We are willing to settle for {$500.00}, if paid by XX/XX/year>. Pay online at XXXX with account # XXXX. If you settle the account, we offer full deletion from the credit bureaus. '' This communication constitutes an FDCPA violation, as Zions Debt Holdings proceeded to contact me in direct violation of my written request to cease all communication, which includes communication to credit bureaus. As of today, Zions Debt Holdings is still reporting this alleged debt on my consumer credit report. 

Additionally, Zions Debt Holdings has failed to provide me with the following, as required by FDCPA Section 1692g and other applicable laws : The original signed contract or agreement with my wet ink signature binding me into ac contract with Zions debt holdings. I have not signed any contract with them, nor did I authorize them to have access or purchase to my personal information, which constitutes Identity theft. 
as a consumer only I can validate a debt and I do not validate this alleged debt. They have yet to provide the chain of assignment, Without the proper chain of assignment, they lack legal standing to collect on this alleged debt. Further, under the FDCPA, an account is not defined, and without evidence of a valid assignment or contract, Zions Debt Holdings has failed to prove they own or have legal rights to the alleged debt. 
I request that the CFPB conduct a thorough investigation into Zions Debt Holdings for their malice and defiant disregard of my consumer rights under the FDCPA and for their unlawful actions in reporting this debt after being instructed to cease communication. 

Please reference case number XXXX for the ongoing investigation. I ask for your prompt attention to this matter and request an update regarding the actions taken to resolve this issue. 

Thank you for your time and assistance in this matter.
Product: Credit reporting or other personal consumer reports

Im disputing the following information I found on my credit report. The inquiries being reported on my credit report are not authorized nor have consent to having my credit pulled. The date that someone accessed my credit is without my consent. Please remove the inquiries or if you believe its accurate please provide me with the signed authorization received to access my credit. I will give you 20 days to remove the inquiries. 

XXXX 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 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

A debt from a medical establishment that i have never been to keeps applying an amount to. I have XXXX medical insurance so it would have been paid for. That is a hippa violation as well.
Product: Checking or savings account

On XX/XX/XXXX of this year, I signed up for a new checking account and a new savings account with Citizens Bank. The reason I signed up was because they were offering a {$600.00} new customer bonus. The conditions for this promotion were as follows : - To receive {$300.00} for the new checking account, I had to make XXXX direct deposit of $ XXXX within XXXX days of account opening ( which would be XX/XX/XXXX ). 
- To receive an additional {$300.00}, I had to open a new savings account on the same day as the checking account and make deposits that totaled {$500.00} each month for XXXX months after opening, and have a balance of {$1500.00} as of the end of XXXX. 

All conditions were met as they were originally written, save XXXX. My direct deposit of {$500.00} was made on XX/XX/XXXX, which was just after the 60 day window closed. I had been making deposits of {$250.00} bi-weekly, because I thought that the cumulative deposit was what mattered. When I noticed that it said a single deposit of {$500.00} instead of deposits totaling {$500.00}, I called the marketing and promotions people at Citizens bank on XXXX to inquire about how this would impact things. I spoke to XXXX from XXXX and he confirmed that Citizens was happy to grant a XXXX day extension to the XXXX day window ( where XXXX days was the longest extension they could permit ). This extended the deadline to XX/XX/XXXX for this deposit. At XXXX 's direction, I updated my direct deposit ( the next of which would get made on XX/XX/XXXX, which was within the new XX/XX/XXXX deadline ) so that a {$500.00} deposit would be made to my checking account. As a result of that phone call, I expected that I was on track to meet all requirements to earn this bonus. 

However, as of today ( XXXX ), the bonus for the new savings account is the only one I have received- the bonus for opening a new checking account has not been paid. I called the promotions and marketing folks today and was informed the payment for a new checking account was not made because my {$500.00} direct deposit had not been received within the XXXX day window. When I mentioned speaking with XXXX on XXXX about an exception, they acknowledged the phone call and that I had correctly identified the rep I had spoken with. However, they claimed that he could not have granted me an exception because " they don't do that ''. I asked to speak to a supervisor, and received the same information, only less politely because the supervisor I spoke to ( XXXX XXXX got frustrated and rudely ushered me off the phone.
Product: Payday loan, title loan, personal loan, or advance loan

I have gotten behind on all of my bills due to financial hardship from medical condition and I was in between jobs and wasn't getting a paycheck. I was making payment on a new payment plan and then I fell behind. I was behind {$400.00}. I called the company and told them that I could pay {$200.00} back in XXXX and they said that they would not take the {$200.00} payment. I need to pay the entire amount to catch up. So I got enrolled into a debt management plan with a company and added this loan company on this. The debt management company was charging too many fees so I cancelled it last month. Today, I received a civil lawsuit from the loan company. I called them and they said they would stop if I caught the loan up. The past due is around {$800.00}. I tried to pay this company {$200.00} and they would not accept it. The manager name XXXX said that he would have another manager call me that day and no one called me. I don't understand why they would not take two payments that I was trying to make and now they want to file a civil lawsuit against me. I don 't have anything. I am homeless right now. All of my possession were sold that I had in storage because I could not pay the storage bill. I just had a mini XXXX from all of the stress that I am dealing with from financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????
Product: Checking or savings account

Wells Fargo closed my account after completing my claim. The agent said he was mailing my new debit card and I was good. I tried depositing some money and my account was closed on XXXX XXXX. They mailed my debit card on XX/XX/2020. My phone was stolen out of my car in XXXX. I told them my debit card and phone was in the card because I brought my XXXX XXXX card and other phone in the party. My phone was unlocked with my info available in the notes. The scammer tried putting fraudulent checks in my account. I even told the bank to run the cameras back and they said they agree they didnt see me on camera at the teller. Claim # XXXX... XXXX XXXX XXXX XXXX XXXX They lied to me about keeping my account due to no fault of my own. They wouldnt believe me that I didnt have a code on my phone. How could you tell me what I have on my phone. This in unacceptable.
Product: Debt collection

I do not owe a Debt to Northstar Location Services , LLC Northstar Location Services , LLC is NOT registered to transact business and/or collect debts in my state under NRS 649.075 .
Product: Credit reporting or other personal consumer reports

XXXX and Experian violated the United States code Law ( TILA 15 U.S. Code 1666 ( 0 ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that Was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

I have disputed these errors repeatedly only to receive a verified or remains reply from XXXX and Experian. I have supplied proof and that proof has been attached to this complaint. The documentation reveals XXXX accounts with frivolous and inaccurate reportings. The information is not accurate and must be deleted immediately. XXXX is deliberately violating the law and refusing to comply with the consumer reporting laws by not doing a proper investigation and continuing to report these inaccurate accounts.

The errors on all accounts show that the current balance is higher than the highest balance. The current balance cant be higher than the highest balance the account has ever had. Therefore the accounts are reporting inaccurately. The accounts also show 100 % on time payment history but also is reporting XXXX days late. An account cant be 100 % on time payments while having any late payments. These inaccurate accounts must be removed as the inaccurate reporting of these accounts on my credit reports are causing me to be denied funding for a home purchase.
Product: Mortgage

XXXX : First contact was to inquire about increase in monthly mortgage payment. Payment was roughly {$1600.00} a month. Shortly after being transferred to Mr. Cooper, the payment went to {$1700.00}. I was told that this was because of insurance and property increases. 

When contacting my insurance company, they indicated that the premium actually went down, not up. 

Made my second call to Mr. Cooper to discuss what my insurance had told me, only to get an agent who proceeded to tell me that the price increase was because I was shorting my mortgage payment. When I asked for a clarification, he began to tell me that my mortgage payment was {$3200.00}. When I told him that was wrong, he told me that I had been making that payment since XXXX. I had my banking info that indicated that {$1700.00} was being taken out, and that Mr. Cooper 's own recording indicated that my next payment was {$1700.00}. The agent began to argue that both were wrong, and that my mortgage payments were {$3200.00} a month. 

After hanging up, I called right back and spoke to a supervisor, who indicated that I was correct, my monthly payment is {$1700.00}. She was unsure of who I had spoke to before. I asked if there was a transcript of that previous conversation, and she indicated that there was. I asked if there was a note regarding removing " auto-pay '' and she indicated that there was. I made sure that she knew that we wanted to pay by mail, and she indicated that it was taken care of. 

Fast forward to the end of the month, and my wife made a payment by check for {$1700.00}, and according to my bank, it was cleared on XX/XX/XXXX. This payment was for the month of XXXX. My wife got a message that a withdraw was made in the amount of {$1800.00} by Mr. Cooper on XX/XX/XXXX. 

I have tried multiple times to get this cleared up, but the customer service lines and the online chat have not worked. The phone service keeps ending the calls, and the online chat indicates that they are unable to help due to large volume. Though, their phone message that comes on, and identifies who I am based on my phone number, tells me that my mortgage/loan is " paid in full ''. Then it tells me that it will send a letter of paid in fullin 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 item/accounts/information below : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX Balance Owed : {$250.00} This complaint will be my follow-up complaint to ensure the listed accounts are verified.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from Santander Bank for the amount of {$55000.00}. XXXX XXXX a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

Santander Bank allowed this fraud to occur, and both XXXX and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor Santander have taken adequate steps to rectify this matter.

This fraudulent activity has had a significant negative impact on my life. My husband is a military veteran, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud.

Additionally, it is now important to note that this loan has been charged off by Santander. Based on the precedent set in Guffer v. USAA Federal Savings, the charge-off was removed after the filing of a 1099 form. Santander can not both charge off the debt and continue to collect on it, especially since this debt is not mine.

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.
Product: Mortgage

I filed a chapter XXXX bankruptcy proceeding XX/XX/XXXX, to include my 1st and 2nd mortgages with XXXX XXXX XXXX. My filing was discharge XX/XX/XXXX. XXXX XXXX XXXX then sold my loan to Nationstar Mortgage, who then began reporting 120 day late payments on my credit report from XX/XX/XXXX through XX/XX/XXXX illegally as I was no longer responsible for this debt. I have filed disputes with the credit reporting agency, I 've contacted Nationstar directly. Nationstar acknowledged my requests to remove the 120 day late reports from XX/XX/XXXX to XX/XX/XXXX, however denied my requests by stating that " they could continue to do this even after my bankruptcy was discharged for this debt ''. I have now been denied credit from this illegal reporting at this point.