23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed the debt company posting XXXX on XXXX credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XXXX XXXX  and never received any statement from comcast of showing balance is due.With XXXX  services I only had basic internet services for my XXXX  to use for after school homework with a monthly balance of $ XXXX policy is you prepaid XXXXhe month advance. I been disputing with them. SOUTHWEST CREDIT SYSTEMS can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my XXXX XXXX decreases because of the neglects.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 


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: Credit reporting

I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.
Product: Mortgage

Did a refi with Lord Loans of XXXX XXXX Florida. They failed to file the deed timely. This has resulted in a XXXX increase on the trim notice as the deed was filed over one year later. They only filed after I delivered a notice to sue. The negligence has resulted in serious financial harm as my extra real estate taxes are XXXX more per month. This has been going on for XXXX years Lord loans has failed to provide the title insurance policy information. We are talking 2 years and nothing from Lord loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX  XXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$390.00}
Product: Credit card

On XX/XX/XXXX, I went to XXXX XXXX XXXX. I picked out furniture I wanted. I was told that financing would be with Kornerstone Credit. I did not receive a lease to sign. Furniture was delivered once ( wrong furniture ), second time damaged furniture, store couldnt repair furniture in home. Talked to XXXX and XXXX, store managers and told them I do not want the furniture. They both agreed to cancel order and relayed this to a XXXX at Kornerstone Credit so I would owe no money. I have several emails from Kornerstone Credit. On XX/XX/XXXX Kornerstone Credit sent me and email stating my time to sign lease had expired. In XXXX, I had a lease with Kornerstone Credit that I paid off. Kornerstone Credit used that information to debit my account for {$260.00} on XX/XX/XXXX after I was told by XXXX at Kornerstone Credit my furniture order ( XX/XX/XXXX ) was terminated by the store and I wouldnt be charged. XXXX called and confirmed this information with the store manager XXXX. I was told by Kornerstone Credit in order to get a refund, I would have to go pick the furniture up and bring it to my house. I do not have this furniture and Kornerstone Credit still debited my account and refuse to issue me a refund of my initial {$50.00} plus the {$260.00}. Kornerstone Credit has consistently called, texted and harassed me and still trying to debit my banking account. I never physically signed a lease with Kornerstone Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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: Checking or savings account

XX/XX/2023 Huntington bank mailed me back a Returned check, and on the check it said I could use it as a real check, so I tried to use the mobile deposit and it processed and got accepted but after a day or two it instantly went negative on my account for no reason.
Product: Credit card

Date submitted : XX/XX/XXXX Amount : {$25.00}, XXXX I received a 1099C from Discover Credit Card Services in XXXX. I paid IRS taxes on this credit card charge off and Discover Credit Card Services refuse to delete this account from my Credit Report. I can't be delinquent and have {$25000.00} as an income... very conflicting. 

Please assist in removing the {$25000.00} off of my Credit Report immediately. 

Kindest, XXXX XXXX
Product: Mortgage

As our current CFPB complaint documents our property is contaminated and we have requested asssistance from our Mortgage Servicer without success. 

Nationstar/XXXX. XXXX indicated on XX/XX/XXXXduring a phone teleconference that they can not make any special exceptions for our contaminated property loan and our situation can only be handled the way they treat all properties that are not contaminated. 

It is well documented in the FDIC, XXXX XXXX XXXX, etc that a contamination that makes the property unsafe and uninhabitable directly impacts the value of the property. 

Prior communications with their representatives have documented : 1. There is no contamination department with Nationstar/XXXX XXXX 2. Nationstar/XXXX XXXX has no retention products for a property that is contaminated or uninhabitable. 

They indicated onXX/XX/XXXX that they cant make an exception for us because they would have to make an exception for everyone. 

Yet, the Seller Guide Update from Nationstar dated XX/XX/XXXX ( Enclosure ) reviews the issues of Water Contamination, acknowledges that contamination does impact property value including those homeowners in XXXX Michigan with contaminated homes secondary to lead. 

It appears that Nationstar provides these homeowners with a functional loan pathway and solution for homeowners with a contaminated property. 

What is the reason why Nationstar will not provide us with the same solution offered to the homeowners in XXXX Michigan whose homes have lead in the water above the safe drinking water limits Also, XXXX XXXX  representatives informed us they would consider a short sale instead of Foreclosure. They have as of today declined our request to short sale our property versus Foreclosure. 

It is my understanding that will sell the property at auction tomorrow with no disclosures of the contamination thereby obtaining a higher financial gain. As Enclosure 1 indicates any adverse impact the environmental hazard has on the marketability of the property is affected by the contaminated water supply. This is the same case for our property. 

We want to be treated fairly and not excluded from the same exceptions Nationstar has made for XXXX Michigan.
Product: Credit reporting or other personal consumer reports

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a reappearance of a credit collection account on my personal credit that violates my rights according to the FAIR CREDIT REPORTING ACT & 15 USC 1692c.

According to 15 USC 1692c, you have violated my rights by unlawful communications. Please REMOVE this collection off of my credit report, Thank you. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

On XX/XX/XXXX I called Chrysler Capital after receiving a bill in the amount of {$620.00}. This was due after my car was totaled. I did have Gap insurance but apparently it did not pay off my car. After a few months they charged off this bill and reported it to the credit bureaus. It has been a few years since the car was totaled. I just received another bill. 
When I called I made a settlement with the woman I spoke to for {$300.00}. She gave me a number to call to make the payment and told me that when I do this it will say the whole amount but will only charge my card {$300.00} per settlement. It charged me {$750.00}. I called back right away and was told the payment was cancelled. A few days later after checking my bank account it was not cancelled. I called back and was told they couldnt cancel the payment. They wanted me to send them my bank statement to prove that it cleared the bank. I told them I was not comfortable sending them my bank statement. I went to the bank and got a letter from them stating that the payment had posted and cleared my account. When I called back to see if they got the fax they said I sent it to the wrong number and gave me a different number. I asked to speak to a supervisor and was put on hold for a long time. I have the settlement and the letter from the bank saying what was posted. I am getting the run around every time I speak to someone there.
Product: Checking or savings account

Formal Complaint Regarding Funds Held and Unresolved Claim Account # XXXX Cruises From XXXX XXXX XXXX XXXX 1 minute ago ) to cardinvestigations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Capital One Bank Customer Service Department Subject : Formal Complaint Regarding Funds Held and Unresolved Claim Account # XXXX Dear Capital One Customer Service, I am writing to formally complain about the unresolved issue regarding the funds held on my account in the amount of {$770.00}, which has caused significant financial damage and distress. 

On XX/XX/year>, I filed a claim with your department and submitted all necessary documentation to resolve the matter. Despite this, I was informed that the required information had not been received on XX/XX/year>, I resent the same documents XXXX additional times to ensure proper receipt. Each time, I was assured the matter would be addressed, but no action has been taken to release the funds. 

Furthermore, I was notified that an additional {$360.00}, which was also being held, would be released via check. However, as of today, I have not received the check despite your repeated assurances. 

This delay in releasing my funds has directly caused my credit to be damaged and has placed my vehicle in repossession status. This situation is unacceptable and has caused me significant hardship, both financially and emotionally. I trusted Capital One to handle this matter in a timely and professional manner, but the lack of resolution has been deeply disappointing. 

I request that you : Immediately release the {$770.00} being held. 
Provide the {$360.00} check that was promised but has yet to be received. 
Compensate me for the damage to my credit and the risk of my vehicle being repossessed due to this situation. 
Please acknowledge receipt of this letter and provide a detailed update on the status of my claim within XXXX  days. If this matter is not resolved promptly, I am currently escalating the issue by filing formal complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 

Thank you for your immediate attention to this matter. I expect swift resolution to avoid further legal or regulatory action. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Product: Mortgage

My loan was with XXXX mortgage. I signed all my docs with them with no escrow included, I was paying my taxes every year plus my home insurance no payment missed. I have all documents to prove. My mortgage payment was {$1000.00} every month. 4 months ago I find out PHH mortgage bought out my loan. Loan number XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX TX XXXX. My dir number XXXX. I have been with these people almost 4 months. These people added escrow to my account and raised my monthly mortgage payments to {$2200.00}, even there is no escrow shortage and provide them all the tax docs I paid last year and this year. I sent all the docs they needed to fix my account. These people sitting in a different country committing fraud to a consumer. I have been paying over for the last 4 months, communicating with these people almost 4 month but they dont listen. I would go legal if it dont get fix soon. I want them to fix my mortgage payments back to where it was and refund my amount I was paying um for last 4 month asap,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Product: Money transfer, virtual currency, or money service

Failure to deliver funds for an emergency I transferred a sum of {$1400.00} to an XXXX account. Remitly has failed to keep with the promised delivery date and time. This has caused me a significant loss due a failure to pay off a financial commitment and pay for a medical family emergency.

Also, I wasted a lot of time on phone calls to Remitly to understand and find a solution to this problem. So far the fund has not been delivered.

I would not recommend Remitly. Remitly 's staff were also unhelpful and discourteous. I no longer need the money in the recipient account as there is no use for that money now. But Remitly is not agreeing to cancel the transfer and refund the money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( XXXX ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use Of My Credit Report
Product: Debt collection

ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character.
Product: Credit reporting or other personal consumer reports

I had been hacked so I froze my credit report with XXXX. I wanted to apply for credit so I went to unfreeze the account and was unable to access my account as it said my phone number was wrong. Ive had the same phone number for 50 years. There is no ability to reach a human. I have tried their help system, which brings you back to the same recordings that dont get you the information you need. I have gone on their XXXX page and I have tried messaging them. Nothing was done.
Product: Debt collection

I have no idea what to check ..I paid GC services and they havnt callled XXXX court to release the hold on my license so I may go back to work. I paid them XX/XX/XXXX..they said 10 working days.It 's been passed that and I 'm still waiting.