23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against.
Product: Debt collection

I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.
Product: Debt collection

At the beginning of XXXX, I received a collections letter from Aldous and Associates stating that I owed {$220.00} to XXXX. I contacted XXXX to ask about said account. They stated it had been opened XX/XX/XXXX. I did not open this account but at that time was dating someone who exercised at this gym. He had stated that he wanted me to start to go with him to work out, which I did. He informed me that he had " added me to his membership ''. When I asked the gym about this they informed me that it was against policy to allow a member to add a new member onto their account in this fashion and that my boyfriend had opened me my own separate account and was paying the bill until XX/XX/XXXX. XXXX did not notify my via phone call, mail, or email of a balance in my name. When I asked them about closing the account they stated that I was not able to do so until the balance was paid. I contacted my then ex about the situation and he stated that he had opened the account and would not be held responsible for the balance. I first learned of all this from the collection agency. I requested proof of the original contract with my signature. They provided me with information about this situation but I have no record of a contract signed. I didn't open this account, never signed a contract for it, and was not informed of the debt until it was in collections.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX PARTNERS CREDIT VE XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I WAS CHECKING MY CREDIT REPORT AND SAW THIS COMPANY, I HAVE NEVER HEARD OF THEM BEFORE, I TRIED TO CALL BUT THERE IS NO LIVE HELP, THIS IS IDENTITY THEFT AGAINST ME, I DID NOT APPLY FOR THIS AND I AM NOT RESPONSIBLE, THIS IS THE FRAUDULENT INFO I SEE ON MY CREDIT REPORT : Account info Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$55.00} written off. {$30.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$55.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - On record until XX/XX/XXXX 2029
Product: Student loan

I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up
Product: Mortgage

In the beginning of XXXX XXXX we were notified that our loan was being transferred from Seterus , Inc. to Mr. Cooper effective XX/XX/XXXX. I contacted Seterus, Inc to make my XXXX payment on XXXX XXXX, XXXX. I was told that I had an increase in payment of {$54.00} and I should have received a notice. I told the representative that I did not receive the notice. I told him I wanted to pay the {$54.00} and he agreed to wave the {$21.00} late charge. I paid my regular payment of {$2400.00} plus the {$54.00} for a total of {$2500.00}. I asked him if the payment would post before the transfer on XX/XX/XXXX. He assured me that my account was up to date and that my payment would post before the transfer took place. He said I would not have a payment due until XX/XX/XXXX. I received my statement for my XXXX payment and it had a past due amount of {$54.00} plus a late charge of $ XXXX.I contacted Mr. Cooper at least 5 times and sent them a copy of my bank statement with my payment to show that I paid the {$54.00} and that the {$21.00} was refunded by the Seterus rep. This has been going on since my XXXX statement that I received towards the end of XXXX. I just recently sold my home and our closing is on XX/XX/XXXX and I want this taken care of before the end of XXXX. I have also asked for an explanation of a charge of {$1400.00} plus a charge of {$190.00}. We did a mortgage modification while I was in Bankruptcy in XXXX and right after that these charges started appearing on my account. The only explanation they give me is that they are for legal fees. The whole idea was to modify the loan to make the payment more affordable and now I have all these charges tacked on to my loan. We have sold our home and I wanted to get my account straightened out before the closing takes place on XX/XX/XXXX,, XXXX. I just do not understand how they can add these amounts to my account and not notify me of these charges that I know nothing about. I would appreciate any help you can give me to get my account straightened out before my closing.
Product: Credit card or prepaid card

Please help me resolve the nonstop, inaccurate billing sent to me since XXXX by Paypal Credit through Synchrony Bank. I used Paypal Credit for convenience in ordering home-delivered items from Walmart since I am a XXXX, homebound senior citizen.Things were ok at the start, but after I disputed some charges the situation quickly deteriorated.I called multiple times, was transferred from dept to dept & put on hold for as long as 3 hours, then often after the long wait, was disconnected. I put up with this no resolution no cooperation nonsense since XXXX. Today XX/XX/XXXX, I escalated the complaint to CFPB ( Consumer Finance Protection Bureau ) which previously " instantly '' resolved my 2 yr loan modification battle w/ XXXX  XXXX XXXX in an impressive1 week..after being denied without reason by XXXX XXXX XXXX for 2 years ... All it took was escalating the complaint to CFPB. 

I spoke again today to Paypal Credit ( Synchrony Bank ) about their latest letter dated XX/XX/XXXX, useless communication like before with unexplained interest and finance charges and no details despite my repeated requests since XXXX. In XX/XX/XXXX I instantly paid off about {$270.00} in valid Walmart purchases after these were finally itemized to me by phone, and I ended with a credit balance of {$25.00}. I was told to ignore the unexplained penalty charges since these were caused by Paypal Credit 's refusal to give details of the bill which made payment impossible. Yet after getting this credit balance I again was unexplainably billed over {$300.00} in penalty fees, with no detailed explanation. After wasting time with many representatives and getting nowhere since XXXX, I decided today that I would escalate the complaint to CFPB to get results.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS put a collections from debtor XXXX XXXX on all three of my credit reports showing as joint account. With XXXX is showing joint account with XXXX XXXX. They have sent me a lease with only my name on it. XXXX XXXX is not on it. I have a police report for forgery on this document and verified it is a forgery. They have not responded with any other document as of yet to verify this account and have not taken action to follow the Fair Trade Act to add to the reports these accounts are in disputes. They have illigally put XXXX name on my credit report and listed this as joint if all they have is one signature on a forged document. I demand they remove this information immidiately and stop the defamation of her character. I have listed the information in another complaint as well.
Product: Credit reporting or other personal consumer reports

I opened my mail and noticed that I was sent a 1099 for debt which is claimed I owe. I also noticed that the credit bureau is allowing this debt be on my credit report as a charge-off with a balance.
Product: Credit reporting or other personal consumer reports

On my review of my credit report, I see an inquiry that I dont recognize, I have the credit bureau XXXX for inquiry to be removed and they have not comply. I have attached an identity theft report. I am requesting the removal XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXXXXXX XXXX Department XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Checking or savings account

I made 3 purchases from XXXX  on my account that overdrafted. I'm not disputing that. However, XXXX  split those transactions into XXXX smaller. Transactions and I was then charged XXXX overdraft fees for XXXX transactions that I completed. I was able to get XXXX of those refunded but it is unfair to be charged XXXX fees for only XXXX transactions. It seems illegal as I only swiped my card 3 times and have no control over how a merchant breaks down my payments.
Product: Checking or savings account

I deposited a California stimulus check using e-deposit on or about XX/XX/21. I endorsed the check electronically because I am XXXX and a senior citizen. 

Ally bank locked my account to investigate fraud. 

They said the funds would be release in a week then a month. I don't why they keep lying to me I have called the bank at least 5 times but they will not let me talk to the investigator. They keep saying she will get back to you but she never does. 

As I said I am a XXXX senior citizen and I need my money to for medicine, food and rent. 

I have not done anything illegal and no one will help me. 

Please contact them ASAP, I am sure this will solve my problem.
Product: Credit reporting or other personal consumer reports

Ability Recovery Services I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 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. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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 respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Credit card or prepaid card

I have received a response from Sears/Citibank in response to a complaint I made against this company. This response was also copied to you. Case # XXXX. Because this is Citibank, they were allowed to Police themselves and to send to me a condescending response in which they did Not address my complaint. My complaint had Nothing to do with discrimination of which they seemed to want to concentrate on. My complaint was in regard to the Promotional Interest free ( within 18 months ) purchase I made. When I called to set up the Promotional Payments, they agreed to the terms I asked for in order for me to pay this balance off by the expiration date. I knew I had to continue to make payments on my regular account balance, but they NEVER informed me they were going to add that purchase into my regular account. Since I made that purchase, they have deceptively raised the required payment on the existing balance I had, and have charged me a higher interest rate on that balance, as they stack an additional interest balance on the side, in an attempt to cause me to not be able to pay this promotion off, by the expiration date. I do not understand why these companies are allowed to treat consumers in this manner. I am asking that you inestigate this matter yourselves, or is their no protection for consumers after all. I do not have Citibank money, but I do have a Brain, and I do pay my debts. I think what they are being allowed to do is absolutely foul. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to fixed this account so mant times why still reporting in my credit report? I'm not recieving any response from the bureaus. Please investigate this listed accounts below and remove it immedietely DEPT OF EDXXXX {$1900.00} XXXX XX/XX/XXXX DEPT OF ED/XXXX {$1200.00} XXXX XXXX XXXX, XXXX DEPT OF ED/XXXX {$3400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$620.00} XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.
Product: Debt collection

I had a court date set with the third party collector Spring Oaks Capitol SPV LLC on XX/XX/2024 in XXXX XXXX Small claims court. I show up to the hearing which the receptionist said I didnt have so I showed her the paperwork that was issued to me at my home and she checked me in and asked me to have a seat in the lobby. 20 minutes later a gentleman calls my name and I walk to the center of the room where he was seated at a desk and he stated he was a representative for the Plaintiff and asked me how I planned to pay back the {$4500.00} dollar debt? I explained to him that I didnt owe any {$4500.00} dollar debt to him or Spring Oaks Capital . I told him there had been some fraudulent activity done in my name around the same time for an Unemployment claim that I currently have an open investigation pending. He asked if Inwould be willing to file a police report under this claim for Fraud at which time I said yes. He asked if the comp had my address on file and I stated I assumed so being my home is where I received the summons and he said they would be in touch. XX/XX/2024 I received a letter in the mail for Default Judgment stating I never appeared which is a flat out Lie and this Company is just trying to bully me the little guy and Im asking someone to please hear me
Product: Credit reporting or other personal consumer reports

My credit report contains mistakes related to 15 USC 1681c-2. There are inquiries listed that I never authorized, and these are harming my credit. Please take action to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an investigation into accounts reporting incorrectly on my credit report in XX/XX/XXXX.  Equifax could not validate the debts and therefore removed them from my credit reports in XX/XX/XXXX.  Equifax has experienced yet another security breach. I noticed the items that were previously have reappeared on my credit report. There was no notification which is in violation of the FCRA. 

The accounts are 1 ) XXXX XXXX XXXX {$3400.00} 2 ) XXXX XXXX {$2000.00}