23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission.

I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. 

This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX  and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/24, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within 30 days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XX/XX/2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent XXXX the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that werent opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

My escrow account has been mismanaged, and incorrectly analyzed. Refunds have been issued over the past 2yrs, that should have never been issued, which resulted into escrow shortages, and increases in my mortgage payments for the past 2 years. These mistakes has increased my mortgage payment by {$340.00} in the past 1 years, making it difficult to pay my mortgage, and impossible for me to catch up my mortgage payments, should I ever fall behind, like now. I have never fallen this far behind, but the difficulty in catching up is because of the continuous increase in payments. I have not been able to speak with the assigned case manager, or anyone else representing the company. The recording always states the case manager is not available. There have been numerous times I have been on hold for over an hour. The only type of communication I receive from the mortgage company is by mail. Ive received the same correspondence dated 2-3 days apart on more than one occasion. Now Ive received an intent to foreclosure. My payments have went from {$1000.00} to {$1400.00}, all due to escrow shortages caused by the mortgage companies mishandling of my escrow account. There has been no significant change in my property tax payment or homeowner insurance payments. In one analysis PHH states actual payment for property taxes were {$12000.00}, and Hazard Insurance paid was {$1.00}, XXXX. My last property tax payments totaled {$8600.00} for XXXX, paid in XXXX, and Hazard Insurance paid was {$1300.00} for XXXX. I don't know where they got this information from, and it is not supported by any of the payment information of the Escrow account. The escrow shortage exist only because of the mismanagement of the escrow account for XXXX and XXXX, XXXX. During this time they have refunded a total of {$5400.00} and the shortage amount totals {$6300.00}. The amounts listed for actual payments of property taxes and insurance are incorrect, but I can never reach anyone to discuss this issue.
Product: Mortgage

I was told I needed to show proof of insurance or they were going to charge me for what they called hazard. I received a letter after sending them a fax showing that I had insurance and also had my insurance company contact them to let them know that I had insurance covering my house and it has never lapsed. I received a letter dated XX/XX/XXXX regarding Hazard insurance and it said they cancel the insurance effective XX/XX/XXXX. Now on my statements they're charging me {$190.00}. This charge is dated on XXXX
Product: Credit card or prepaid card

There were transactions from a vendor in XXXX named XXXX XXXX XXXX, which I or my daughter did not make. I filed a dispute on the transactions, closed the card on XX/XX/2021, and requested a new card. Then another transaction posted from the same vendor on XX/XX/2021. I was mailed a form for the dispute and when I called I was told that there was " Conflict of information based on wording '' and they closed the case on their end and never investigated or credited my account but I could file a police report. I then went to the police department who requested a print out of the transactions. I called the EppiCard 24 times, yesterday, from XXXX XXXX until XXXX, being placed on hold, hung up on, transferred to the wrong departments, told they had technical issues, and given the run around. Eppicard is doing nothing to resolve, investigate, or cooperate in this matter so that I can at least file a police report. 

The transactions total to {$340.00} and are the following : XXXX XXXX XXXX XXXX  fee : {$3.00} XXXX XXXX XXXXcash purchase : {$170.00} XXXX XXXX XXXX XXXX fee : {$3.00} XXXX XXXX XXXX XXXX purchase : {$160.00} XXXX XXXX XXXX XXXX fee : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I made written request for free copy of my annual report from Innovis. They never send me a copy of it.
Product: Checking or savings account

From XX/XX/year> to XX/XX/year> I was scammed almost {$10000.00} from a man purporting to be from XXXX XXXX XXXX. As a result after letting XXXX know they closed my account. I thought I had lost the whole {$10000.00}. In XXXX I saw that there was now {$1300.00} in my XXXX account. I contacted XXXX by email ( almost impossible to contact a human being at XXXX by phone and even then they have no authority to do anything or see my account ) to let them know I'd like my money. They emailed and told me to go online, and download their check request form and submit it by email. This I did and within XXXX weeks I received my {$1300.00}. In XXXX I noticed there was now {$3000.00} in my account. I again requested my money and was told by XXXX, Case ID XXXX, to submit the check request form again and I should receive my check in XXXX weeks. I never received it. I have submitted this form ( check request ) to XXXXXXXX XXXX times with no response except to say the account is closed. Every month I receive a statement of my closed account showing the money ( {$3000.00} ) to be in my account. It is extremely frustrating as no human interaction to resolve this and most emails appear to be robo generated. I'm XXXX and at my wits end to resolve this.
Product: Credit card or prepaid card

Comenity bank XXXX card, has locked my card for fraud, I explained no one has used my card and was willing to verify purchases through receipts, no one can get through on the phone been calling XXXX times to be on hold for a few hours with out anyone to help me, also contacted the XXXX  and they are unwilling to help, left messages on my credit card online account and they refused to help, just told me to call the number which no one can get trough to. Also lost some rewards I accumulated because card is frozen. I make all purchases and account is paid. I'd like to be able to use my card.
Product: Debt collection

they released my personal and private information to a third party via text. 
they gave my name and amount owed. 
they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. 
the old number was XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am writing to file a complaint regarding an unresolved payment issue with my Amex Delta Skymiles Gold card ( XXXX ) On XX/XX/2023 the amount of {$650.00} ( transaction number : XXXX ) I made a payment through my XXXX bank account ( bill ) to settle the outstanding balance on my American Express card. The funds were successfully debited from my account, and I received confirmation from XXXX regarding the transaction. 

Despite providing American Express with the proof of payment, including the transaction receipt, they have repeatedly failed to acknowledge the payment. I have made numerous attempts to resolve this issue by contacting American Express customer service representatives, but they have not been able to assist me in recognizing the payment. They insist that no payment was received, despite my documented evidence. 

I have also reached out to XXXX bank multiple times to seek their assistance in resolving this matter. According to XXXX, the payment was indeed processed successfully, and they have confirmed that the funds were deducted from my account as intended. However, XXXX has stated that there is nothing further they can do to help, as the responsibility lies with American Express. 

As a result of this unresolved issue, I am now in debt with American Express for an amount that was already deducted from my bank account. I have neither received a refund nor have I been credited for the payment made. This situation has placed me in financial XXXX and has caused significant inconvenience and frustration. 

I kindly request your intervention in this matter to ensure that American Express recognizes the payment made, refunds the amount deducted from my account, and rectifies the discrepancy in my credit card balance. I would greatly appreciate your assistance in resolving this issue and preventing any further financial losses on my part. 

Please find attached copies of the payment receipt and any supporting documentation for your reference. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following accounts from my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX Balance : ** $ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX Balance : ** $ XXXX # # # **Legal Basis for Dispute & Deletion** # # # # XXXX. Incomplete, Inaccurate, and Unverifiable Reporting** Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, Equifax is required to conduct a reasonable investigation within XXXX days. If the data furnisher can not provide **verified and complete** documentation proving the validity of these accounts, they must be **permanently deleted** from my credit file. 

# # # # XXXX. No Permissible Purpose for Reporting** As per **15 U.S.C. 1681b ( a ) **, a consumer reporting agency may only furnish a consumer report under specific circumstances. I demand proof that XXXX XXXX XXXX XXXX has a permissible purpose to report these accounts on my file. If no such proof exists, this constitutes a violation of the FCRA, and these accounts must be immediately removed. 

# # # # XXXX. Failure to Comply with 15 U.S.C. 1692e ( Fair Debt Collection Practices Act - FDCPA ) ** If XXXX XXXX XXXX XXXX has **misrepresented any details** regarding the nature, character, or legal status of these debts, it is a violation of **15 U.S.C. 1692e ( 2 ) ( A ) **. I request that Equifax provide proper documentation proving the accuracy of these accounts and their legal authority to report them. Otherwise, they must be permanently deleted. 

# # # # XXXX. Direct Violation of XXXX XXXX. XXXX ( b ) Duty to Report Accurate Information** If the furnisher fails to provide **competent evidence** validating these accounts, Equifax is required to remove them **without delay** to maintain compliance with the law. Reporting unverifiable accounts is a violation of my rights, and I will pursue legal action if necessary. 

# # # **Formal Demand for Deletion** Based on the legal grounds outlined above, I formally demand the **permanent deletion** of these accounts from my Equifax credit report **within 30 days**. Please provide me with a written response confirming the deletion. 

Failure to comply with my legal request will leave me no choice but to escalate this matter to the XXXX XXXX XXXX XXXX FTC ) **, and, if necessary, pursue legal remedies for damages under XXXX*15 U.S.C. 1681n and 1681o**.

I expect a response within 30 days, per **15 U.S.C. 1681i ( a ) ( 1 ) **. A copy of my identification and proof of address is attached for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with CrossCountry Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my husbands. In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone i/a/o {$2800.00} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my husband, and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's hanaling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX
Product: Consumer Loan

I purchased a XXXX jeep patriot XXXX/XXXX/2015 and my interest rate is very high at 17.9 % the suv is {$25000.00} and it 's a 6yr. term buy the time it 's payed off i would have payed over {$39000.00} for it. what can i do?
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit reports I saw that my student loan stated that I was 90 days late. The reports starts my payment history as 90 days but prior to the 90 days is has an on time payment history. If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate. Prior to the month that states 90 days it should state 30 day late, 60 day late leading to my 90 day late.
Product: Debt collection

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

XXXX XXXX reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all XXXX credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.
Product: Mortgage

In XX/XX/XXXX I had put in for a remodification application with my bank ( then it was CITIMORTGAGE ). I had done everything they asked me to do. Almost a year and a half later I got a foreclosure letter. I immediately went to a financial institution and payed to do the remodification through them. After about 11 months I got a bad remodification. I was paying 6.375 % rate on my regular loan ( originally {$380000.00} ) which I had a balance of {$360000.00} left. After remodification, I was given a 5 % rate and they had tacked on {$44000.00} to the back of the loan ( so at this point my loan is {$400000.00} ) and made it a 40 year mortgage. A year later CitiMortgage sold my loan to another company. In XX/XX/XXXX I was looking to refinance my mortgage and my broker found a discrepancy in the balance from CitiMortgage. In the remodification, they had added {$10000.00} for " attorney fees for foreclosure ''! I never went through the foreclosure process. I had gotten in touch with CitiMortgage and got bounced around for a while and no one could answer my question on getting my money back or how I got such a bad deal on the remodification. The remodification had put a big strain on me financially and mentally and I felt like I had no other choice but to accept what I was given. I am tired of getting screwed by big companies and feeling like I just have to sit there and take it. I would like to get my money back from CitiMortgage with the interest I have been paying on it since the remodification!!! I have all the documents from my remodification process and refinance. Please help me, I do n't know where else or whom else to turn to!