23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against IC System, a debt collection agency, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : IC System has reported a collection account on my credit report associated with a debt purportedly incurred at an address I had not yet occupied during the billing period in question. Despite providing evidence to IC System demonstrating that I did not reside at the address during the specified time frame, they have refused to remove the inaccurate collection from my credit report.

Violations : 1. Attempting to Collect a Debt Not Owed : IC System is attempting to collect a debt that does not belong to me, as it pertains to services rendered at an address where I did not reside during the billing period. This practice is prohibited under the FDCPA.

2. Failure to Provide Adequate Information About the Debt : IC System has not provided sufficient information to substantiate the validity of the debt, in violation of the FDCPA.

3. Reporting Inaccurate Information to Credit Bureaus : By reporting this inaccurate debt to the credit bureaus, IC System has violated the FCRAs requirement to report accurate information.

Supporting Evidence : Documentation proving my actual residence during the billing period in question. 
Correspondence with IC System disputing the debt and their responses. 
Copies of my credit reports showing the inaccurate collection account. 

I respectfully request the Consumer Financial Protection Bureau to investigate IC Systems practices concerning this matter and to take appropriate enforcement action to ensure compliance with federal laws. Additionally, I seek assistance in having this inaccurate collection account removed from my credit report to prevent further harm to my credit standing. 

Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from XXXX XXXX. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.
Product: Debt collection

Here is my situation. National Service Bureau XXXX XXXX, Which is a Bonded Collection Services. 
My son had got into an accident, which the vehicle was still in my name, but it was given to him by me. when i gave him this vehicle i told him the insurance i put on my other car, so he needs to have it put in his name and get insurance. So on XX/XX/XXXX he had an accident and they charged me if everything. XXXX XXXX XXXX, is the insurance for the other driver. My son had told them he thought maybe the insurance was still active. 
I never thought anymore about it. On XX/XX/XXXX I had got pulled over, and the XXXX informed me i was driving on suspended license. I had no clue what he was talking a out. 
Anyway he took my license and gave me a court date. he had ask me if i was in a accident last year? XXXX no sir I have not. He explained that is why my license are suspended. I lost my license and have to pay all this money when it was not me. 
I went to court and requested a trial by a jury because i feel I am not reponsible for this. 
I had filed a Notice of vehicle Sold and sent to XXXX. So what do I do?
Product: Credit reporting or other personal consumer reports

THEY SENT ME A FAKE CHECK OF XXXX AND I DEPOSITED. AFTER 3 DAYS THE CHECK RETURNED AND THEY WIRED TRANSFER XXXX FROM MY BANK AND END UP NEGATIVE IN MY ACCOUNT. NOW THE BANK TOLD ME TO PAY XXXX $ TO THEM DUE TO OVERDRAFT FOR THE MONEY I NEVER USE. THIS IS CASE NUMBER OF MY CASE THAT WAS REPORT TO THE POLICE # XXXX
Product: Checking or savings account

I attempted to transfer money from my Experian Digital Checking account to my XXXX checking account so I could pay my rent. I accidently made it a transfer in to my Experian which is not what I intended to do. I even called to ask if I could stop it because I did it in error and they told me that it was in process and I could not stop it. I had to let it go through. Then a week and a half later it somehow flagged them that I was suspicious and they froze and temporarily suspended my digital checking account. I had XXXX in there that they told me too bad that they were not going to allow me to access. So I waited. It has now been an entire 7 days and still no relief and NOW my pay went into that account in the amount of {$900.00} and I do not have access to get my money. I am going to have to quit my job because I am out of money and I have no gas to get there. Even though I have a card and the money is there direct deposit, they will not even allow me to have access to {$100.00}. So I am stuck and they are refusing to release my money and or anything because they are still investigating. I do not think that is legal. I have rights!
Product: Mortgage

I contacted Lakeview Loan Servicing , LLC in XX/XX/XXXX and XX/XX/XXXX regarding an adjusted amount to my County Taxes. I have an escrow account to pay my county taxes. I was told by a customer service  representative that they would pay the adjusted tax payments for XX/XX/XXXX and XX/XX/XXXX and that I needed to send the tax statements to XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I contacted them in XX/XX/XXXX to be sure they received the statements and they said they did and were in the process of reviewing them and they would call me back within 3 days to provide an update. I advised them I need to have an update before XX/XX/XXXX as that is when the tax payments were due and would be delinquent. To this day no one has contacted me and I received delinquency bills from the County of Los Angeles. I contacted Lakeview Loan Servicing again XX/XX/XXXX at XXXX ( pst ) I spoke to the department that handles escrow and taxes. The representative said she would have to place me on hold and when she came back she said I would have to speak to a manager in which I was placed on hold again and the line was disconnected. My escrow balance is currently {$1100.00} and my tax bills total {$620.00} plus fees now that the payment was not made by XX/XX/XXXX. I have more than enough funds in my escrow account to cover my County Taxes.
Product: Payday loan

Re : Cashland XXXX XXXX XXXX, XXXX OH XXXX XXXX, The corporate office number is XXXX, and several other phone numbers original due date XXXX/XXXX/XXXX I was unable to make the payment that I agreed to on the due date, I wanted to make payment arrangements. Before the loan was due ( which was originally for {$890.00} with the payback amount of {$1000.00} in 14 days ) I called the store and they said they could n't change the arrangement that I would have to call the Corporate office. I called the corporate office and they said they would not make arrangements until my loan was in default. Two days after the due date they tried to debit my checking account for the original amount and a small fee. There was insufficient funds and my bank set it back and charged me {$35.00}. I called the corporate office because now my loan is in default, I made several attempts to make contact with XXXX who handles my defaulted loan. She called me back and we played phone tag for another 2 weeks, They sent the full amount of the loan again and my bank charged another {$35.00}, Two days later they sent it through and again there was insufficient funds my bank charged me {$35.00} and Cashland also sent a ISF fee through for {$20.00}. My bank paid that but charged me {$35.00} to pay the {$20.00}, because I already had a negative balance. I have been trying to contact XXXX since Monday of this week XXXX/XXXX/XXXX to tell her I will take {$500.00} to the store on Friday, however I need to make arrangements to pay the other half over time. We finally spoke today and She told me she could n't make any other arrangements, they would accept the {$500.00} on Friday but I would have to pay the balance within 2 weeks. I explained that I would n't have the full balance and again asked for smaller payments. She said that was impossible, She could not work with me, because my loan has been sitting there for a month. I said I never received a copy of the loan agreement, what will happen. She said I can get a copy of my loan agreement from the store when I go in to pay the {$500.00}. She said the telephone calls will continue and they will continue to run the balance through my checking account. I told her I wanted to revoke my authorization for the ACH withdraws. She said they will not do that and she told me to have a nice day and hung up.
Product: Credit card or prepaid card

Begining XX/XX/2020, someone got 3 cash advances on my bank credit card, {$500.00} each. I did not authorize it. I reported this to the bank begining XX/XX/2020. Then they somehow through the bank, sent two of the advances to my checking account, and then through XXXX, sent {$500.00} to each of two people I do not know, from my checking account. The other {$500.00} was reimbursed to me by the bank. The bank has declined to reimburse me the other 2 advances, plus the fees and interest. I authorized none of this. I was never enrolled in XXXX, and have never done or authorized any cash advances. The bank says this was done online, so perhaps my phone or computer were hacked. I do not know how anyone could do this. A police report has been filed, & a report to the FTC, & the 3 credit bureaus were given fraud alerts. In the meanwhile, I have had to pay the {$1000.00} balance on my credit card plus finance charges & fees, to keep my credit current. I did not owe any of this money. I would appreciate any help with this issue, if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX   XXXX The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX
Product: Credit card or prepaid card

I was given a {$250.00} Visa Truist debit gift card from my mother for XXXX. Yesterday, XX/XX/XXXX, I tried to use it but first checked the balance to make sure the full balance was available. It was not. There were XXXX transactions made on XX/XX/2022 totaling {$240.00}. None of them were made by me. I do not recognize any of the company 's listed in the transaction history. I contacted Truist bank and they were not helpful. They said I had to contact each of the vendors and ask for the money back. I did not contact each company because some do not look like legit businesses to me. I have no idea how anyone was able to obtain the card number because I've never used it and it's been sitting in my home unused. 

The charges went to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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: Payday loan, title loan, personal loan, or advance loan

So, I was going through my paperwork and learned that titlemax checked the box that i was not a Military spouse they never asked for proof of income or anything they predatory lended this loan to a military spouse but lied on the app then im seeing all these other lies on the app i was never told about isnt ot true they never was supposed to lend to military families at all? Didnt they just go tbrough a lawsuit???? With CFPB i also told them at the time I wanted a small amount which my cars current value as a Lemon law buyback which i just sued the dealership and finance company for not disclosing to me which i won, settlement for it has lemon law buyback branded title only worth XXXX they gave me XXXX $ i asked for XXXX! Then they never disclosed all thia extra fees thia is predatory lemding now it has been literally 5 days since my due date they are making NUMEROUS CALLS DAILY THREATENING ME WITH REPOSSESION THEY WANT A PAYMENT OF XXXX a month! This is ludicrous and i plan to file federal suit if this isnt handled through CFPB
Product: Mortgage

To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time. 

XXXX
Product: Debt collection

Last year I was asked by my doctor to visit a XXXX by name XXXX XXXX. I presented my insurance card. They said the payment would be XXXX dollars every session. I agreed. After XXXX sessions I had scheduled next week sessions. When I reach there next week they said they have canceled all the scheduled appointments as they dont take HMO anymore, they didnt know mine was a HMO. I had presented them my physical insurance card.If they had told me per session it is XXXX dollars I would never take the treatment, I was working as a XXXX, I cant afford that money, from last XXXX months I am jobless due to injury.They didnt treat me, they didnt inform me before canceling the appointments, I was not treated as a patient. Now they are torturing me to pay the money.Person there says XXXX per session but the total bill is XXXX dollars. Collection company says XXXXI have not received any papers, when I look at my credit report there it says XXXX months late already and charged interest as well
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.

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 al
so 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.
Product: Debt collection

I have contacted the original hospital XXXX XXXX and my insurance company for verification or validation since neither company is following due process and XXXX XXXX has reported that I have a {$0.00} balance due for time of service and my insurance company XXXX has stated that they have a contractual agreement with the original debtor for payment of {$170.00} which was paid by insurance thus leaving no balance owed. A debt in the amount of {$800.00} was placed on my credit by Wakefield and Associates who refused to remove the debt from my XXXX due to non payment by the debtor Qualified Emergency XXXX to them when no debt is valid on my part. They are in violation of my rights as a consumer and could face legal action if debt is not removed immediately.
Product: Debt collection

Southwest refit Systems engaged in predatory tactics, contacting third-parties, threatening, placing false credit collections on my credit. This company has violated nearly every consumer protection law. I should sue them, and I will, but Im beginning with the appropriate complaint.
Product: Payday loan, title loan, personal loan, or advance loan

Name of creditor : Road runner account services Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # : XXXX Fail behind on payments cause my husband had service I had someone else using the product and I had to report it stolen due to no one knows what happened to my property after borrowing it so it went to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A FEW ACCOUNTS I DID NOT AI=UTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX   INVETIGATED AND REMOVED THE IANCCURATE DATA. I FORWARDED THE INFORMATION TO EQUIFAX AND XXXX BUT THEY HAVE YET TO FOLLOW WTHE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to XXXX XXXX XXXX requesting validation of 4 medical accounts from original creditor XXXX, which XXXX is reporting to TransUnion and XXXX. In XXXX 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from XXXX to my second letter. I mailed certified letters to both TransUnion and XXXX making them aware of these HIPAA violations by XXXX. In my letters, I included copies of XXXX 's response letter to me in full-color copies which show clearly XXXX 's letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from XXXX, TransUnion, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from TransUnion and XXXX on 2 separate occasions. 
1st and 2nd letters to TransUnion and XXXX  were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on my cousins discover account for some reason it never updated me on XXXX and XXXX. It only shows on XXXX
Product: Credit reporting or other personal consumer reports

Re : Discrepancy Dispute for Account # XXXX I am writing to formally dispute the accuracy of the information being reported on my credit file for Account # XXXX, listed under [ XXXX XXXX ]. I have identified several discrepancies between the information provided by [ TransUnion/XXXX ] and what is reflected in my records. 

Below are the discrepancies I request be investigated and corrected : Last Verified Date : TransUnion : XX/XX/year> XXXX : XX/XX/year> Date of Last Activity : TransUnion : XX/XX/year> XXXX : XX/XX/year> Closed Date : TransUnion : XX/XX/year> XXXX : XX/XX/year> Creditor Remarks : TransUnion : No remarks listed XXXX : " Transferred to another lender '' Dispute Status : TransUnion indicates the account is not disputed. However, I have previously requested corrections for this account.

These inconsistencies are not only misleading but may also negatively impact my credit report and score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I request the following actions : Reinvestigation of the discrepancies outlined above.

Verification of the account details with the original creditor.

Corrections made to my credit file as necessary.

For your convenience, I have attached copies of my identification and supporting documents ( e.g., credit report excerpts highlighting discrepancies, any correspondence with the original creditor, etc. ).

Please complete this investigation within the 30-day timeframe as required by law and provide me with a written statement detailing the outcome. If any changes are made to my credit file, I request a free updated copy of my credit report.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates regarding the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists my Chapter XXXX as open, but it was dismissed as part of Chapter XXXX. Filed for Chapter XXXX in XX/XX/XXXX ( in XXXX  ). In XX/XX/XXXX, Chapter XXXX was discharged after being transferred from XXXX to XXXX.. I have made 4 attempts in the last 6 weeks, to dispute with Experian and they will not change the information. This information is correct on my XXXX and XXXX  reports. I am not sure why Experian can not get the information corrected. I have scanned AND mailed information, still with no result.
Product: Debt collection

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 XXXX XXXX has violated my rights. 
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.
Product: Mortgage

my complaint is with DiTech formally Green Tree formally XXXX XXXX our loan has been passed from company to company. XX/XX/2015 we were issued an insurance check for some minor damages the check was sent to DiTech for there endorsement. We submitted all the requested documents pictures, receipts, notice of repairs completed. We have met all requirements. DiTech refuses to release the balance due us.All repairs have been completed over a year ago. DiTech is trying to force a conflict between us and our insurance company by insisting the adjusters estimation of damages is not extensive enough therefore they are entitled to keep the balance of the check.We believe this is an attempt to force us to use there insurance provider at a significant increase in the premiums. To date we have payed over {$90000.00} on a {$31000.00} loan to XXXX different company.We believe we are being exploited by this company.
Product: Debt collection

I was working with XXXX XXXX XXXX XXXX XXXX settle a debt owed to Commenity Bank XXXX XXXX XXXX The account was settled and closed on XX/XX/XXXX and Commenity sold the debt to XXXX XXXX XXXX on XX/XX/XXXX. I have been receiving notices trying to peruse legal action by XXXX even after notification of debt settlement with Commenity