23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Filled A Dispute With My Bank I Was Incarcerated While My Card Was Being Used I Uploaded The Documents To Them Etc They Issued Credit Took The Credit Back About XXXX Weeks Later. Sent Mail To My Mailing Address Not Saying Why The The Decision Was Mad Also Documents That Dont Have Anything to Do With The Case Now My Account is In The Negative
Product: Credit reporting or other personal consumer reports

I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by XXXX. My loans were supposed to be discharged per a letter from XXXX XXXX XXXX, yet XXXX has continued to process automated payments that I did not authorize. 

Additionally, XXXX has reported me as delinquent to the credit bureaus, but when I contact them using the last XXXX digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by XXXX, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.
Product: Debt collection

I disputed a collection on XXXX  in letter below which was notarized and sent certified mail, about an unverifiable loan Jefferson Capital. keeps putting on my credit report. I requested they verifiable documentation from this company that I have an account with them i.e signed contract with my signature.And if this info cant be verified be removed from my credit report. 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 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 ( an original Consumer Contract with my Signature.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new line of credit and the company informed me that my credit score had dropped so I logged in to Equifax to check my credit report and I saw that my credit score had dropped tremendously I have paid all my open accounts on time and I didn't open any new line of credit and there is no collections on my account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , I requested verification of debt and two late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCP A 807 [ 15 USC 1962e ] this i s a violation
Product: Checking or savings account

Can someone explain to me why, when I make a purchase using my debit/atm card the amount is immediately taken out of my checking account BUT BUT when I return an item and the company I bought from process a refund it takes DAYS to get the credit for that refund????? 

It is unfair. 

Why is this allowed to happen???
Product: Debt collection

Dear JEFFERSON CAPITAL LL XXXX  XXXX ; ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company.

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.
Product: Credit reporting or other personal consumer reports

After the XXXX re investigation this account is still inaccurate remove this account IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX XXXX  unauthorized reporting of my personal information. I recently became aware that these consumer reporting agencies, along with the furnishers of information, have been reporting my private data without my written consent.

Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish a report with the consumers written instructions, which I have never provided. Additionally, under 12 CFR 1016.7, I have the right to opt out of such information sharing at any time, and I am now exercising that right.

Furthermore, I was never informed of my right to prevent nonpublic personal information from being disclosed to nonaffiliated third parties, as required by 15 U.S.C. 6802 ( b ) ( c ).

I respectfully request that XXXX XXXX and the furnishers of information cease reporting my information immediately, as their actions violate federal law. Detailed information regarding these violations is included in my attached letter.

I appreciate your time and attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamtion of character along with 60 days of no response.
Product: Debt collection

I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not, they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were " see you in court. " I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number, which is internal and unlisted, calling as many as XXXX times per day, even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did, why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive, threatening collection tactics.
Product: Credit reporting or other personal consumer reports

Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit reporting properly.
Product: Credit reporting

I previously inquired and made a complaint to the Consumer Financial Protection Bureau in regards to TransUnion deleting inquiries off my report and then putting them back this was over 30 days ago as I have recently checked my TransUnion report inquiries are still there and more or getting put back on I have not use my credit for anything and I have not had any inquiries through TransUnion that are mine I want all the inquiries removed as promised through my Consumer Financial Protection Bureau complaint prior
Product: Money transfer, virtual currency, or money service

Approx. 2 years ago give or take. Opened PayPal Account. have been trying ever since to get my money back that was deposited. The amount deposited was {$980.00}. Have tried on several occasions to resolve with nothing happening. Every time I have called Paypal, get the same run around. They keep asking questions like old phone numbers, old email address and none of that information is no longer valid or accessible. have had to get new phone, new number, new email address, everything. Talked to them today, and same old run around. Basically was told Oh well, nothing we can do without old information. So its basically they get to keep my money which doesnt belong to them. I'm angry, frustrated and just want this resolved and I can get my funds returned to me
Product: Checking or savings account

I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.
Product: Prepaid card

I wired money to PayPal from my bank on XXXX. The money was withdrawn from my bank on XXXX XXXX. I checked my paypal account on XXXX XXXX and the money was n't there. I called them and was told it takes 3 to 5 business days to get the money and was informed the money would be credited to my account on Wednesday at XXXX. When I told them that was not acceptable, they told me that that was how ACH works. I know this not to be the case as I make 2 or 3 wires a week. Usually the money is there the same day or the very latest the next day.
Product: Debt collection

I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Product: Credit reporting

I have disputed this with all XXXX agencies and requested the documentation used to verify this is my account. I have requested the name address that they used to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. I have requested the name, address, phone number of who they verified this account with and they have ignored XXXX of my previous requests for a description of the investigation procedure. I have contact the number they have provided with no other information and spoke to the agency they have listed and was advised that they have not verified any account because they do not verify accounts or records they hold.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I settled my account with XXXX XXXX XXXX for {$2000.00}. The account is suppose to reflect paid and settled but XXXX has continued to report delinquent each month since then. Even after contacting them and disputing the account 3 times.
Product: Credit card or prepaid card

I typically make my monthly payment via my online account using my routing number and my member number. 

I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online. 

The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails.

When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX  digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used. 

Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info fcra : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX LA XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX, TX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has managed to have over 143 million accounts compromised. According to their security site, I was affected. Why exactly do I need to jump through hoops to have my credit monitored when they could n't securely do the one job they exist for?
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Mortgage

I have a mortgage with Chase Mortgage. I have always paid on time and usually pay additional toward principal of approximately {$320.00} per month on a monthly mortgage bill ( PITI ) of approximately {$990.00} per month. I believe it was for my XX/XX/2018 statement when made my typic payment and over payment of {$1.00}, yet I realized the overpayment would be best used to pay other debts the following month. I called Chases customer service and they assured me it would be no problem to suspend these funds for and apply only what was due so that {$310.00} would be waiting in suspense for the following months payment of {$670.00}. This was documented as case number XXXX. The following month, I did make the payment per our agreement of {$670.00} on time yet Chase did not apply the suspended funds. This made me appear late to Chase even thought they committed to hold these funds in suspense awaiting my {$670.00} paynent. 
Soon after, I started receiving requests for mortgage assistance from Chase and knew there must be a problem with the commitment Chase had made. This late payment caused my credit score to go down approximately 63 points. This decrease caused XXXX XXXX to decrease a credit limit on one I my cards by {$11000.00}. XXXX XXXX XXXX decreased my credit line approximately {$2000.00}. These credit decreases of course had meaningful impacts on my credit utilization ratio by decreasing the denominator - this resulted in further negative impacts on my credit. Concurrent to all this, I spoke to a first level customer service rep who got my problem to a second level person named XXXX XXXX. Mr. XXXX listened to my concern but was more than a little rude. Regardless of his lack of empathy to my issue, over multiple calls, he did agree that Chase made an error and got the actual payment application corrected. He was unable to address the financially devastating impact that this bank error had on my credit score. Over  time after multiple calls, I requested escalation and was eventually offered access to XXXX XXXX. XXXX has a voicemail that does not allow for people to leave messages and only allows emails. I have emailed her multiple times and she has attempted to call me back during hours when I am at work as a school bus driver for my community. After I stopped aggressively pursuing her for a resolution that helped me reestablish my now destroyed credit, she was happy to stop calling me for a resolution. I am glad to forward these emails. I need Chase to assist me. Whether it is to extend me a credit card of {$20000.00} at favorable rates or some other solution that has the same positive effect as their error caused a financially devastating negative effect on my credit.
Product: Mortgage

Per complaint # XXXX on XX/XX/2021 and final remarks received XX/XX/2021 reveals hud-1 and purchase contract did not show {$49000.00} and contract not signed. 

This documentation was initially submitted to XXXX in the Ombudsman department a month ago by email. 

I am forwarding the information again. 

Please see attachment.
Product: Credit reporting

Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I am asking that you send your method of investigation along with all records of who you spoke with their business address, name, and phone number as well as documentation that proves this account was late if you can not provide me this information and 15 days update the account to pay/never late and send me a copy of my updated credit report.