23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from " IC Systems Inc '' around XX/XX/XXXX in which it clearly explained that it was representing " XXXX '' which I do not have service with XXXX I add. I wrote a letter roughly around XX/XX/XXXX and obtained certified receipt back on XX/XX/XXXX that my dispute and demand to cease all collection up to and including reporting until an orginal wet signature showing proof that I owe the so called debt to XXXX. I know for a fact that not only I do not owe it but it's not even my account. I received the same collection from another collection agency who was wise to submit in writing that they've ceased collection on it. But yet this company IC Systems did not correspond as I requested in writing before reporting to all 3 credit bureaus. I am demanding immediate removal of it and or I will seek representation from an attorney. According to my rights none of the 3 bureaus nor this collection agency was suppose to place any debts on my credit files without proper investigation. I have included my letter and proof of mailing attached with this complaint!
Product: Credit card or prepaid card

This is negatively impacting my credit score as well as defamation of character, which is affecting me from buying a house. I would liked this fixed, thank you.
Product: Credit reporting or other personal consumer reports

I have multiple accounts reporting on my credit reports, I'm a victim of identity theft, I have filed a identity theft report, a police report and send in my verification documents and these accounts have not been blocked from my credit report. 

I need these items removed from my credit report immediately.
Product: Debt collection

Laundry company contracted with clients that I referred them to. Their contract was between them and the clients. They have written contracts between them and their clients. When the clients failed to pay them, they decided they would try to bully me into paying the debts by hiring a Texas Collection Company that has harrassed me, my wife, my friends. They have left negative reviews on social media about my business. 

They have no basis for attempting to collect from me. I am not their customer.
Product: Consumer Loan

I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX XXXX XXXX
Product: Debt collection

Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide me with the following information : 1. The amount of the debt you claim I owe.

2. The name of the original creditor.

3. Documentation that verifies I am indeed responsible for this debt.

4. A copy of any judgment ( if applicable ).

5. A detailed account of any fees or interest that are being added to the original debt.

6. Proof of your authority to collect this debt on behalf of the original creditor.

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was told if I open a account I will be deposited {$200.00} and I never got it. I was charge way to much ATM fees and my card took money out my account
Product: Credit reporting 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. I told XXXX, transunion y XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the XXXX XXXX account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXXXXXX Balance reported as XXXX starting on XXXX was in collection PROFESSIONAL FINANCE XXXX Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX  Balance was reported as XXXX starting on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE balance was reported as XXXX on XXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX XXXX XXXX XXXXXXXX  balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX Balance was reported as XXXX on XXXX PROFESSIONAL FINANCE XXXX  Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX  Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXX XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
Product: Debt collection

In or around XX/XX/2019, I found out that American Express has been reporting to the credit bureaus that I owe them money for credit card uses. I did not do any business with American Express. I sent them letters explaining that I was a victim of identity theft and the debt they alleged is a result of that theft. I sent the same letters to the three credit bureaus to investigate. The three credit bureaus conducted their investigations and found the debt was a result of identity theft and proceeded in accordance with their policies and the law. As for American Express, they requested that I submit among other things, an affidavit and police report in order for them to close their file. In compliance with their request, I submitted exactly what they requested. Instead of complying with the law on identity theft and close their file, they have engaged in very aggressive and unlawful tactics of harassment. They continue to make threats and demands for payment with ultimatum.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXX XXXX XXXX I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

one auto loan that does not belong to me has been reporting under my equifax credit bureau and they have not been helpful at all, i had tried to dispute and delete this inaccuracy from my credit file, but they are not helping, each time they are either not disputing or trying to get rid of me for not answering the security questions right, please you are my last hope they are screwing my credit by reporting inaccurate information and i have been very much stressed as a single mom, please have e to get to the bottom of this. 
appreciate you cooperation in this matter. 
thank you
Product: Checking or savings account

Chase has been holding onto almost {$20000.00} of my money for almost a year after they closed my accounts. All they say is they are investigating. It does not take a year to investigate. I am XXXX veteran and I feel that I have been taken advantage of by Chase.
Product: Mortgage

In XXXX I took out a HELOC with XXXX XXXX. The terms for repayment were as follows : 60 payments {$850.00}. beginning XX/XX/XXXX 119 payments {$750.00}. beginning XX/XX/XXXX 1 payment {$750.00}. beginning XX/XX/XXXX According to my original contract my terms for repayment are listed above. My complaint is that in XXXX, I was behind on my payments and Chase Bank, the institution I submit my monthly payment to, sent me a notice in XX/XX/XXXX, offering me a partial claim HAMP. I was not to clear on what it meant, I was under the thought that it was intended to help me get caught up on my arrears. I called Chase as it was listed as my loan servicer, I asked who the investor was and questioned why my MIN number /MERS account is listed as inactive. I have been paying on this HELOC for 17 years and it was originally a 20 year loan to end XX/XX/XXXX. I ask Chase for my documents and I have uploaded a copy of what they mailed to me and what I have as original Note and TILA. I have also discovered that the Notary Public that signed and stamped the Modification Agreement to verify the Vice President who signature, XXXX XXXX. The Notary Public is not real as I searched the Secretary of State website in Michigan to locate her. The website does not have XXXX XXXX ever as a Notary in the state of Michigan. Chase bank did not calculate my loan properly over the lifetime of it. I find that this HELOC has been paid since my XX/XX/XXXX. 
I would also like to add that I have had my loan number change at least twice. I went into Chase to make a payment and was told that the loan number did not exist.
Product: Checking or savings account

My XXXX account was hacked and a charge was made for $ XXXX dollars through my bank account ( SPARK -- Capital One ) ACH draft set up in my amazon account. I called my bank, and alerted them to the fraud. They refunded the fee and blocked the charge. I kept a very low amount of money in that account after noticing the fraud so drafts would not go through and I would be aware of unauthorized activity. XXXX tried to process the charge 1 month later to that account, which was blocked as there was not enough funds in the account. I was charged a rejected check charge which I tried to get them to take off since it was due to fraud. They claimed they could not refund it ( {$9.00} ) because they had refunded the same fraud charge a month before even though it was for the same fraud charge that was trying to withdraw. I talked with XXXX XXXX XX/XX/18 @ XXXX mst.
Product: Credit reporting

I wrote to all XXXX reporting agencies. It a XXXX judgement that is paid in full to be taken off my credit reports
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Credit Karma customer for over 10yrs. They have reported me my score, and I relay to their score! I was aware they tend to be conservative on the score. For over 2+ years CONSISTENTLY they have reported to me my credit score with XXXX had been XXXX points. I been diligent with my score and been building it over the years. Just this past XX/XX/XXXX I was notified by credit Karma my credit scores dropped XXXX points. I was choked, I felt devastated, I felt unconscious for a minute because I know I hadnt had any hard inquiry or anything to damage my credit score. I notified credit Karma and asked for an explanation of what had happen for such a change. They said they just read the reports XXXX sends them in a monthly basis. I contacted XXXX and they said nothing was wrong with my credit and they limited to tell me XXXX can not tell me what my credit was but they can assure they have not reported to credit karma any negative impact this month of XX/XX/2023. I contacted credit karma back stating I need an explanation why they have reported to me lies, they had me believe my credit was XXXX points with XXXX and credit karme just dropped XXXX points just because, they responded back stating they just follow the report from the XXXX agency. I feel bettayed, I feel hurt, credit karma certainly had lied to me with a false report for years. I trusted them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However these are reporting when I have the right to these laws. And didn't authorize the them to furnish on my account. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called on ShellPoint mortgage service on XX/XX/XXXX to recast loan. The customer service said I could recast the loan. He mentioned that I would receive a recast request form in the mail since the servicing provider could not direct me to the form on-line nor email my the form. 

On XX/XX/XXXX, I made a payment of {$250000.00}. It was payment to the Principal Only Payment {$250000.00} to reduced the principal of {$370000.00}. 

On XXXX, I called to follow-up on the mailed form as I had not received the form in the mail. The customer service said my request was denied. I received no information for loan servicing on the why the request denied. I requested to appeal the decision. My request for appeal was denied.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice where transactions settled with insufficient balance, despite initially available funds. I believe these practice are unfair and I request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im deaf. I initially contracted with a debt consolidation company to negotiate with Marcus by Goldman Sachs for the payment of my debt with them. After months of collecting payments from me without paying Marcus, I decided to cancel the contract with that debt consolidation company. I contacted Marcus directly in XX/XX/2019 to resume paying my debt. We agreed on a payment plan based on hardship. I made the initial payment at that time. Then for some reasons, they started sending me email stating that it was an attempt to collect debt and there my account was charged off. I called them last week and they indicated that I didnt sign an email they sent last XXXX which I never received and that I didnt answer their phone calls. I found they were calling my text-only number instead of the phone number I gave them to call me through an interpeter for deaf. Ive tried to resolve them matter so that I can resume paying monthly, but they keep frustrating me by saying that they couldnt do anything about it and that my account was reported to credit bureaus as charged off. Based on my experience with their customer support representatives, they are not quite deaf-friendly. They dont keep notes because I keep repeating the same information without getting anywhere. 

I would like to resume paying monthly based on the hardship agreement and that they stop making derogatory credit report. They need to live up to their obligations and allow customers to escalate complaints to their legal departments especially if they dont treat their deaf clients fairly in handling loan payments.