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

I am writing this to request that my credit reports be updated to reflect accurate data. I filed a complaint through the CFPB portal to dispute a debt collection attempt from XXXX XXXX that was not valid. Below is their response. They have agreed to remove the collection, " In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. '' I ask that this information be reflected immediately on my reports, thank you. 

Original Complaint ID : XXXX Response From XXXX  : This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information : XXXX placed an account for you in our office to collect a balance of {$2000.00}, on their behalf. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the only communication we have received on behalf of this account. The credit bureaus term account open date XX/XX/XXXX, means the date when we were assigned the collection account from our client. This does not affect or falsify how long the account will remain reported to the credit bureau. The amount of time the account will be reported to the credit bureau report is determined by the original delinquency date XX/XX/XXXX, as reported to us by XXXX. In an attempt to help you find resolution, we have forwarded a copy of your complaint to XXXX. In response, XXXX has provided an explanation of the account. We have attached a copy of their explanation for your convenience. We will mail you a copy of the statements provided by XXXX. 

In response to your complaint, we have ceased collection attempts in our office. We will request that our information for this account be removed from the credit bureaus. 

Please note that XXXX considers this balance to be valid and owed. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at XXXX XXXX , XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XX/XX/XXXX, XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-XXXX- XX/XX/XXXX , XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX   about this issue and they still wont remove these inquiries that wasnt authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent TransUnion a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because TransUnion sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of TransUnion removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses that follow do not belong to me, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Good day : I have been contacted now four times by a debt collection agency attempting to collect a debt that I do not owe. The first three times have been via US Mail, which I responded to twice via certified letter. Following the third letter from RMS, I  submitted a complaint to CFPB, case number XXXX as they had not provided any proof that I owe a debt. Their response to the CFPB complaint on XX/XX/XXXX was incorrect, indicating that they received my account on XX/XX/2018 ( their first letter was dated XX/XX/XXXX ), and that they closed my account and returned it to XXXX. 

I have now received 5 phone calls from XXXX starting on XX/XX/XXXX ( the date that they responded to the CFPB complaint ), who have left no messages. Yesterday, XX/XX/XXXX, the 5th phone call, I picked up and it was RMS asking about the same debt. In their response to the CFPB complaint they indicated that they have sent the debt back to XXXX which is clearly not the case. 

I have attached the same PDF to this CFPB complaint, which expressly states that this debt is not mine, asking for proof that this debt is mine. The company has failed to prove that this debt is valid and has now begun calling me asking me to pay this debt, which violates my rights under the FDCPA. I have asked them via a form letter from CFPB to provide proof that I owe a debt and they are not permitted to contact me until they have proven it. 

If there is some proof that I owe a debt, please provide that proof to me so that we can further discuss it. However, I have never done business with XXXX and therefore have no reason to believe that this is a valid debt.
Product: Credit reporting or other personal consumer reports

I never used credit in the past i have been XXXX for sometime and never open these accounts
Product: Debt collection

I am writing to file a formal complaint against I. C Systems Inc for multiple violations of consumer protection laws, as outlined in the CFPB regulations. Despite repeated attempts to rectify this matter, I.C Systems has persisted in their unlawful actions, and I seek your intervention to address these egregious violations. 
Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information Under the regulation 12 CFR 1006.34 ( b ) ( 5 ), I.C Systems Inc has failed to provide the necessary validation information pertaining to the alleged debt. Despite my requests for validation, they have neglected to furnish any documentation proving the legitimacy of the debt. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) : Denial of Dispute Opportunity I have not been afforded the opportunity to dispute the validity of the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ). I.C Systems Inc has disregarded my right to dispute the accuracy of the information reported to consumer reporting agencies. 
Violation of Consumer Rights : Misleading and Deceptive Practices It has come to my attention that I.C Systems Inc has engaged in misleading, misrepresentative, and deceptive practices in their attempts to collect the alleged debt. Such actions constitute a clear violation of consumer rights and undermine the integrity of the debt collection process. 
Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S : Unauthorized Furnishing of Account Information Furthermore, I.C Systems Inc has furnished information to consumer reporting agencies without providing the requisite disclosures mandated by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S. This unauthorized disclosure of account information has resulted in unwarranted damage to my credit report. 
In light of the aforementioned violations, I hereby request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against I.C Systems Inc. Additionally, I urge the Bureau to ensure that [ Name of Collection Agency ] ceases all collection activities related to the disputed debt until these issues are resolved in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my consumer rights.
Product: Debt collection

The complaint is against Navy Federal FCU. 
On XX/XX/XXXX of this year Navy Federal once again tacked onto all three of my credit reports a car loan that belonged to my late mother, is WAY outside of the statute of limitations, has nothing to do with me, and according to Federal law as I understand it should have dropped off of my reports THREE YEARS AGO as it is now over eleven years old even if it was mine yet they refuse. 
When they put it on my credit again it caused my ratings to drop by almost XXXX points and now I need to move and can not as this hit has destroyed my credit.
Product: Debt collection

In XXXX, I moved into my landlord 's residence in XXXX XXXX, WA. My landlord, XXXX XXXX, listed me as the responsible party for the utility account at that address. I resided there for about one year before moving out in XXXX. 

After I moved out, XXXX XXXX failed to update the utility provider, and the account remained in my name. As a result, utilities continued to be charged to me, even though I no longer lived at the property. 

I discovered this issue and promptly notified the utility company and the collection agency, explaining that I was no longer a resident and was not responsible for the charges incurred after my departure. Despite multiple disputes, neither the utility company nor the collection agency has taken action to correct the error. 

This debt does not belong to me, and I have made multiple attempts to resolve the issue with both the utility provider and the collection agency. I am requesting that this debt be removed from my name and my credit report, as I am not responsible for these charges.
Product: Debt collection

12 XXXX XXXX has been sending me collections in the amount of XXXX dollars. 
This collection has been reported past due. 
I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the complaint around # XXXX. The case has been erroneously closed. In their response they stated that the account was closed for delinquency. Also, in their response they show that they returned the payment made that would have cleared the debt on the account. The credit report shows that I was in good credit standing ( with the exception of the two months they decided to not take payments ) until XXXX. According to them they " closed the account in XXXX ''. Their actions were unreasonable and violate FCRA unequivocally. This blemish on my credit report is completely fraudulent.
Product: Vehicle loan or lease

tesla finance approved my lease transfer from original owner on XX/XX/20, i have been making lease payments since then and they lost my paper work to send to DMV to register the car - they are not finding a resolution for the problem and when i call once a week to talk to a manger they keep saying no one is avail and will call me back. i can not drive the car due to this and i have to still make payments.
Product: Checking or savings account

A refund for over {$9000.00} from my university was sent to a chase account that was closed and it was confirmed by my school XXXX has recently these funds. I have contacted chase to return the funds back to me or return the funds back to my university and I have still yet to receive it. I have confirmation and if not returned I will file a lawsuit against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2019 to EXPERIAN with 3 separate disputes, each one had a  separate cover letter and each one was separated with clips. They acknowledged 2 out of the 3 disputes that I sent but never opened a dispute for the last one or notified me of any results. The dispute in question is in regards to inquiries on my credit report that I did not authorize. I did send a follow up letter as well to address the issue and still no response. 

" Under the FCRA, a credit reporting agency has to review and respond to every dispute it receives within 30 days. If the review isn't completed because, as commonly happens a data furnisher doesn't get back to the bureau in time, the agency is obligated to remove the disputed record. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolute Resolutions Investments is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report ( s ) of XXXX XXXX due to identity theft. 

XXXX was deleted from the credit report ( s ) of XXXX XXXX about the dates of XXXX XXXX XXXX. 

Attached is Absolute Resolutions Investments documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To whom it may concern, i am writing because i have been trying to correct an era on my XXXX credit report and have written many disputes asking for validation and/or removal of the alleged debt and have received little to no acknowledgement so i decided to reach out to the company XXXX/COMENITY/XXXX who gave the data to the CRA with the little bit of information i have on them which is just a XXXX XXXX XXXX XXXX and no phone number. I asked them for validation of the debt i.e. original signed contracts or something to verify the unknown debt. My letter was received on XX/XX/2022 and signed for by a XXXX XXXX but i have not received a response of any sorts from XXXX, XXXX/COMENITY/XXXX or XXXX XXXX nor was my credit report notated as being in dispute or the items removed. XXXX and XXXX have removed the inaccurate and unverified items but XXXX has yet to even acknowledge the ERROR. I have been trying to resolve this matter for months but i am being ignored and my rights are being violated. My next step is to take legal action to correct the unjust harm being exacted upon me and my well being. 

Thank you for your assistance in this matter.
Product: Student loan

Today XX/XX/XXXX at XXXXXXXX XXXX XXXX I received an email from Nelnet stating that my account had been placed on an administrative hold, and that interest would continue to accrue on this account until the hold is resolved or cancelled. I had requested to be placed on the SAVE plan on XX/XX/2023 and have since received regular emails that my application was " in process ''. The same day ( XX/XX/2023 ) I placed a call to Nelnet 's customer service line looking for additional information and was told the same, that any interest accrued would be added to my balance, and there would be no recourse for me to be reimbursed for the interest being charged to my account. 

The failure of Nelnet to process my application in a timely manner is adding interest that I otherwise would not be financially responsible for given the timely processing of my Income Driven Repayment Plan and is thus financially injurious. The bottom line is that I am being asked to be financially responsible for the malfeasance of Nelnet in their contracted duty to service loans for the Federal Government.
Product: Debt collection

MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS
Product: Credit card

There was a hard inquiry on XXXX XXXX, 2015 from Capital One Bank that was not initiated or authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Checking or savings account

I have a savings account with Marcus by Goldman Sachs. I initiated an escrow wire transfer on Friday, XX/XX/year> at XXXX. At that time, the agent told me that it would take XXXX business days for the wire to go through. Because I was scheduled to close on a home the next business day ( Monday, XX/XX/year> ), I asked if the request could be expedited. The agent put in an expedited request and said the funds should make it by Monday. 

On Monday, I called XXXX back and tried to receive an update on the funds. While trying to reach an agent, I was disconnected several times. When I finally reached someone, they said that they needed to verify information with my escrow agent. I connected them to the escrow agent, who verified the reuqested information. When I asked for the timing of when the wire would go through, they could not give me a specified time. I called back and asked again, they said the escrow information needed to be verified again. I again connected them with my escrow agent and then they said the information was already verified. 

I finally got another person on the line who said there was a hold on the wire and it would not go through until XX/XX/year>. This is XXXX business days after I initiated the request. This resulted in significant disruption to my closing. 

Further, when I tried to cancel the wire, they said they could not cancel the wire. Therefore, I do not have access to the funds being transferred ( which total {$180000.00} ), while they are in limbo. It is unacceptable for me to not be able to access these funds for longer than a week period.
Product: Credit card or prepaid card

I have a secured credit card with the same credit union I have my personal checking and savings account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the funds were being held in a non-visible area of my savings account. My checking account was compromised back in XXXX XXXX  and the credit union opened new accounts for me. I was notified today that the {$800.00} security deposit was " mistakenly '' released into my savings account. Back in XXXX when I noticed the {$800.00} in my account, I contacted customer service XXXX times to confirm it was mine. Each time, I was told those were my funds. I just assumed I had an over-sight error on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Debt collection

Zales had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.
Product: Mortgage

I was approved for a loan modification last year XXXX. Made all the payments on time during the trial period. I Mailed the signed contract in XXXX XXXX with the envelope they provided. In XXXX they contacted me and said they never received the contract. I faxed and emailed signed contract over to them for a second time. They complained about my signature is not matching and changes to the contract. So I faxed it over again, 2 times in XXXX XXXX, New contract with new signatures and dates. They are now claiming that I do n't qualify for the modification because I did n't turn the paperwork in on time. However of until just a week or so ago it was showing them still available on the electronic on my account. Why would I make the payments and not turn the paperwork in? Why would they Continually contact me about the " missing '' paperwork if they were n't gon na let me qualify for the modification? Now they are threatening foreclosure again.