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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX  XX/XX/2023
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control. 
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.
Product: Debt collection

In XXXXXXXX XXXX XXXX, I was contacted by NCSPLUS Incorporated regarding a {$15.00} debt due to XXXX XXXX XXXX XXXX XXXX I sent a {$15.00} money order using the remittance stub and envelope provided. The money order was sent on XX/XX/year> and I considered this matter closed since the money order was cashed within 14 days of being sent on XX/XX/XXXX, XXXX initial contact stated that I had until XX/XX/year> to pay the debt or dispute the debt. The debt was paid in full by XX/XX/year>. 

I received two threatening letters from NCSPLUS Incorporated dated XX/XX/year> and XX/XX/year> stating that the debt remained unpaid and that they would report the {$15.00} debt to the three credit bureaus. At the time NCSPLUS Incorporated drafted these letters ( XX/XX/XXXX and XX/XX/year> ) the debt had already been satisfied in full. 

I confirmed with the XXXX XXXX XXXX XXXX on the morning of XX/XX/year> that there is NO BALANCE OWED ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had made numerous payments to Central Mortgage for principal only immediate payment since 2016. When corrections were made, from a regular payment to principal only, it was posted days and even weeks later ( XXXX transactions ). 
My interest to pay down principal was not immediate even though the transaction history shows the received date of the money, the correction date was not back dated.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : Jefferson Capital System In addition, please remove all non-account holding inquiries older than 30 days and add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Debt collection

Resurgence Capitol take the old debts and tries to collect on debts greater than XXXX years old.They did this with XXXX XXXX and XXXX. They need to stop as they clump all the debts together and unknowingly you create a payment plan so they don't pursue legal action The last debt was from XX/XX/year> which is way beyond the statue of limitations
Product: Vehicle loan or lease

MY ISSUE IS WITH REGIONAL ACCEPTANCE CORPORATION ( RAC ) BASED IN XXXX NC. THIS IS AN AUTO LOAN BUSINESS. I DONT HAVE ANY CONTRACT OR AGREEMENT WITH THIS COMPANY. I MADE A CAR PAYMENT FOR A FAMILY FIREND AND ( RAC ) KEPT MY DEBIT CARD INFO AND TOOK OUT MONEY AGAIN A FEW WEEKS LATER WITHOUT MY AUTHORIZATION OR KNOWLEDGE. I HAVE CALLED THEM SEVERAL TIMES AND THEIR CUSTOMER SERVICE HAS TOLD ME SORRY CANT DO NOTHING FOR YOU. 

DATE OF CHARGE XX/XX/2019 {$470.00} PLUS {$25.00} OVERDRAFT FEE FROM MY BANK AND NOW MY BANK ACCT IS ALMOST NEGATIVE XXXX THANKS TO ( RAC )
Product: Student loan

In XX/XX/XXXX I applied for a XXXX plan and specifically marked and applied for the XXXX plan knowing that I would then be transferred into the XXXX plan. This is reflected in the application I submitted. I have since noticed that on my Nelnet account that I was in the XXXX plan and that interest was still accruing. I emailed Nelnet on XX/XX/XXXX and XX/XX/XXXX to explain that I should be on the XXXX plan and not the XXXX plan. Nelnet responded with form responses that did not address my issue : that they enrolled me in the wrong plan. When I have attempted to call, I have been told wait times are in the multiple hours. As a lawyer, I do not have time to wait on the phone for hours to talk to a representative.
Product: Credit card

Approximately on XXXX XXXX, 2015, my daughter and I signed up for a Talent Agency called " XXXX '', which charged me {$190.00} to my Capital One account. I then later changed my mind, and told them I was no longer interested. The charge was for a photo session for myself and daughter, but we did not do the photo shoot, and thus did not get any photos. On XXXX XXXX, 2015, I emailed the company, and they responded that there is " no refunds '' which I was not aware of at the time I signed for the {$190.00}. I then contacted Capital One and explained the situation, and they Temporarily issued the credit back to my account. The talent agency then did a chargeback to my account, and placed a rebuttal. I do acknowledge the charge with my signature, however, they sent me copies of some documents. One of the documents did have my signature for the charge of {$190.00}. but they also included a second document, which I did not sign, which acknowledged the " no refunds '' policy. I informed Capital one of the second document which falsified my signature, telling them that the XXXX must have copied my signature, and is therefore not a defense for the talent agency. I did not receieve any thing in return for the {$190.00} paid.
Product: Student loan

I attend XXXX XXXX. I have got two loans in the amount of {$1700.00} and {$1900.00}. The two are listed on my credit and just changed. One changed to {$3000.00}, the other one changed to {$4000.00}. I have not ever received XXXX or XXXX XXXX from this school. Now i'm bankrupt. Please send some help.
Product: Credit reporting

credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.
Product: Debt collection

I provided the debt collector with a receipt that was paid in full in XXXX. They refused to investigate or remove from my credit report. My debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account XXXX is paid-in-full. It is closed. However, Experian CRA continues to incorrectly report the account as " Open ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian several times to have them update my mobile phone. On my report it always gets back to an XXXX  XXXX number ( not US ) which I had a long time ago. As the known phone kept on record is often used to cross-check identities by XXXX XXXX XXXX a wrong data may be a cause of adverse response when subscribing to online products or new card.
Product: Mortgage

On XX/XX/2021, my wife & I signed the final Escrow Documents to refinance our home before a Notary Public. All documents were signed, notarized & filed. Rocket Mortgage told the Notary that funding would occur On XXXX XXXX. On XXXX XXXX, I learned that my Loan XXXX, XXXX XXXX, XXXX XXXX XXXX, told Rocket Mortgage that I had rescinded the Agreement and there would be no funding. I DID NOT RESCIND THE AGREEMENT verbally or in writing. I tried to call XXXX XXXX but he would not return my calls. I tried to email him but got no response. 
I employed The XXXX XXXX XXXX to communicate with XXXX XXXX XXXX. Subsequently, I received a phone call from the XXXX, XXXX XXXX, who agreed to a new loan with the same Terms & Conditions as the original loan and processed within 24 hours. However, the new loan disclosure was not in keeping with the Verbal Contract. It had a higher interest rate & did not include the full Lender Credit. In an email communication with XXXX XXXX he also stated the loan would not be concluded until AFTER XX/XX/2021 ( certainly not within 24 hours and not even a determinate date at all ). This is a typical BAIT AND SWITCH tactic.
Product: Mortgage

I have a home mortgage with KeyBank that was originated by its predecessor XXXX XXXX Bank in 1997. I received a letter from KeyBank in mid-XXXX requesting proof of hazard insurance for my property at XXXX XXXX XXXX in XXXX ( town of XXXX ), N.Y. My insurance agent provided documentation of this in an e-mail sent XXXX XXXX to XXXX, as requested in the bank 's letter, and copied to me. On XX/XX/XXXX, I received from the bank a " second and final notice '' ( dated XXXX XXXX ) requesting proof of insurance and warning me that the bank would purchase insurance on my behalf if I failed to provide proof in insurance. On XX/XX/XXXX, I called the customer service number listed on this letter ( XXXX ), where a bank employee informed me that the information we'd sent XXXX XXXX had been received and that the bank would " escalate '' its review of this material and get back to me. I received no response. Instead, on XX/XX/XXXX, I received a third letter informing me that the bank had purchased an insurance policy on my behalf at a cost of {$1800.00}. This is completely unnecessary as my property is already insured and has never lacked coverage since I bought it in 1997. On XX/XX/XXXX, I called the bank 's mortgage customer service number ( XXXX ) and was advised to send my proof of insurance to XXXX XXXX, a manager in the bank 's mortgage department. I sent this material and a cover letter by fax at XXXX and also sent the proof of insurance to her e-mail, XXXX. I have received no response. As the principal due on my mortgage is less than {$8000.00}, and as the mortgage carries no prepayment penalty, I paid the remaining balance due with a check mailed XX/XX/XXXX. On XX/XX/XXXX, I received a letter from the bank saying that to settle my loan in full, I would still need to pay the additional {$1800.00} plus a {$50.00} closing fee. I do not expect to pay for this additional, unnecessary insurance policy that KeyBank arbitrarily chose to purchase on my behalf. The bank has been completely unresponsive to my communications and my multiple attempts to resolve this directly with them.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Reason : Unverified account
Product: Debt collection

I am in a XXXX Savings Program called the Qualified XXXX Beneficiary ( XXXX ) Program. XXXX providers aren't allowed to bill for XXXX-covered items or services. Since XX/XX/XXXX, XXXX XXXX XXXX  Hospital, XXXX XXXX XXXX, IN, has been sending me a bill for {$380.00} for an attendant XXXX physician. 

In XX/XX/XXXX, XXXX XXXX sent this illegal charge to a collection agency : AMCOL SYSTEMS INC Type of Industry : Other Collection Agencies Account Number : XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Phone Number : ( undefined ) undefined where it has appeared on my credit report since, decreasing my credit score and preventing me from obtaining credit. I made numerous attempts with XXXX XXXX Hospital to bill XXXX and they refused. I have contacted the collection agency and they refuse to remove this report. The culprit here is XXXX XXXX XXXX Hospital, XXXX. 

My XXXX number is XXXX
Product: Credit reporting or other personal consumer reports

Ive be came a victim of fraud last year XXXX  when some one broke into my wife car Ive XXXX goin through the rope with identity theft Ive been contacted the local pd in they told me to cont cfpb
Product: Checking or savings account

I have a mutual account opened with my partner we used our debit card for all trip transactions making sure we have all the money for everything we end up after they process all the transaction with overdraft we never understand why because all the money was there we went to the branch we close the account n we open a regular account each after XXXX  years later I have my direct deposit from my employer they took my money without any type of notification I call same day they said was on hold making sure the check don't bounce back was weird for me because my company it's a big international company I been receiving my check no problem for XXXX  years I call back today they said bc this past overdraft with no notification they took my money
Product: Bank account or service

XX/XX/XXXX, I have decided giving up everything and goback to my home country XXXX because i was having difficulty in many problem. and after i left the country i lived in XXXX for 2 and 1/2 years and came back XX/XX/XXXX. When i came back i found out that within that period of time my identity has been stolen and many fraud activity has happened to me. i am still not able to open the account with any banks and lived my life as a bad credit/ charge off person for past 6 years. i tried to reach FTC many times and tried to dispute the problems with XXXX and other credit bureau. and im getting ignored all the time. I desperately in a situation needing help, if i cant be helped then either im gon na have to file bankruptcy or just go back to XXXX. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Acct Number : XXXX ( {$0.00} ), XXXX  Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vechile was repossession in XX/XX/XXXX and vechile was redeemed back XX/XX/XXXX. I paid all necessary fees and charges to redeem vechile back and has never been late since XX/XX/XXXX. Now my credit report is stating that I 've been late the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX of XXXX and the months of XXXX, XXXX XXXX XXXX OF XXXX & for XXXX and XXXX of XXXX it 's reporting UNKNOWN which means no payments was n't a made for those two months when I have all records from banks statements that 's all 11 months was paid on time before the XXXX of each month. These months are incorrect because all payments have been paid on time since XX/XX/XXXX. Once they update my report with repossession redeem then all my payment history after XX/XX/XXXX started reporting late payments.. I should have all good reporting history from XX/XX/XXXX till XX/XX/XXXX which is current. If this issues is n't corrected I will be filing a compliant with the BBB.
Product: Credit reporting or other personal consumer reports

Including my original CFPB complaint as well as companies final response. Today, XX/XX/XXXX, XXXX  XXXX has reported to Experian that there is an open balance and late payments associated with this account. Per the companies own letter the account was closed and I was not responsible for any balance or fees associated with it. I will also be filing a complaint with my Attorney Generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recent pull my credit report through annual credit and I noticed that Toyota Motor credit is reporting an alleged late payment on my credit report for XXXX XXXX I have never been late on this account so I dont understand why Im getting hit with this erroneous error. I have already dispute this information with the 3 credit bureaus and was informed that Toyota Motor Credit is report this item. I have paid off this this car from last year and I never missed any payments. I am in the process of getting a house and because of this late payment showing on my credit report by Toyota, I can not get approved. I have never missed a payment with any of my current accounts. I pride myself for that. This late payment should be remove and updated to Paid/never late.
Product: Money transfer, virtual currency, or money service

I received a fraudulent wiring instructions purportedly from my Escrow Agent, in connection with the purchase of real property in XXXX, Maryland on XX/XX/2022. The SCAMMER/FRAUDSTER who is a client of JP Morgan Chase used his JP Morgan Chase Account No. XXXX to receive that amount of : {$49000.00} through wire Transfer.. The Transaction happened through my Bank XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX, MD XXXX. Despite numerous requests beginning from XX/XX/2022, that this is a WIRED FRAUD from both myself and my bank XXXX XXXX XXXX  XXXX XXXX, staff at Chase has refused to provide any further information as to the status of the Investigation, and is also not prepared to RETURN THE FUNDS. I am entitled to know whether Chase has frozen the funds transferred via the XX/XX/XXXX Wire ( the Funds ), or has released the Funds to its account holder perpetrating this fraud, so I may determine the appropriate course of action for the return of the Funds. This is my family 's life saving, therefore I hope CFPB actions could impact JP Morgan chase to do the right thing.
Product: Mortgage

Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number  XXXX  is not resolved. Although  XXXX  does not appear on my Equifax report ...  XXXX  representing  XXXX  still appears.   XXXX   and   XXXX   have removed both  XXXX  and  XXXX .     Attachment s : # 1 and # 2 : Emai ls from  XXXX  that their error is completed.    # 3 : C urrent report from Equifax showing the unauthorized inquiry of  XXXX  is still on my credit-report.
Product: Credit reporting or other personal consumer reports

Asked this company for original documentation copies to be sent to me to prove why they have this acct which on my credit report shows paid in full and closed.section 609 of the fcra requires 100 % verified if you can not then it must be removed.they refused .this is on my credit report and it is false info.this company DRS debt recovery solutions has no documentation .therefore it is not allowed to be reported as false info.if acct is showing paid on credit report a debt collector using XXXX different names also use huntington debt holding as other name cant do that.i told them that.
Product: Credit reporting or other personal consumer reports

My information was compromised in that big data breach they had and I have been disputing and asking them multiple times to remove those negative erroneous from my credit report