23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX  & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.
Product: Bank account or service

My daughter applied for a auto loan and was pre approved for XXXX, to purchase a car. However Navy FCU asked her for her documents for employment verification. She provided the documentation, and her offer letter that she received from XXXX XXXX in the offer letter is stated you will be hired, contingent on your drug test and background check ). Well she passed XXXX and is working XXXX. She provided all of the documents they required XXXX bank statement, pay stub, offer letter etc ). 

The lady she spoke with at Navy FCU, stated they needed a COPY OF HER DRUG TEST RESULTS ON XXXX LETTER HEAD STATING SHE PASSED THE DRUG TEST AND SHE WAS HIRED. My daughter was so upset. She told them to close her account. My question is, is she working for Navy FCU OR is she applying for an auto loan!!!! Is this standard practice or do they only ask minorities for this information or people under XXXX this question, what does the drug test results have to do with a auto loan. This is not the end of this. I am going to get to the bottom of their customer service practices and this clearly should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MAZDA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX VIN # last six XXXX Credit Compliance Department XXXX MAZDA FINANCIAL SERVICESXXXX XXXX This letter is a formal statement notifying the above parties that the accounts under VIN # last six XXXX are disputed. 

The vehicle in question was purchased on or about XX/XX/XXXX, from XXXX XXXX, listed SELLER on contract is XXXX XXXX XXXX, contract is financed by MAZDA FINANCIAL SERVICES, repossessed in the state of CALIFORNIA on or about XX/XX/XXXX. Violating cease and desist instructions sent to MAZDA FINANCIAL SERVICES sent certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the laws of ( 12 cfr 1026.17, 1026.17 ( a ) ( 1 ) 12 cfr 1026.18 and 16 cfr 433, 16 cfr 433.2 ) and UCC 9.506 as well as State RISA and MVISA status, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severely fail to comply with the my requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstance is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cc XXXX Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Product: Mortgage

I am with Pennymac Loan Servicing. I received a notification that my home was going to be foreclosed on XX/XX/2021. I checked my bank account and all payments had been made. I called Pennymac and they ask me if there was a special reason why I made my XXXX payment on a Friday. I responded that the payment was due on a weekend so I made it early. I was then told that because it came early and was short it went to principle. They said that there was an escrow analysis completed in XXXX and that my payment went up. I let them know that I never received a notice of the payment increase and I was told that it was uploaded into my online account, which I have never used. They then told me that my XXXX payment was also short and that payment was placed into suspense. When I asked how short I was they told that both payments together were short {$33.00}. They put me into foreclosure for {$22.00}, I could not believe it. They did tell me that I had two late payment fee reversals that I could use to waive the two late payments. Nice of them considering I have two loans with Pennymac for over 15 years. 

My XXXX payment was made before I could I could change the automatic payment amount from my bank so I went to the Pennymac website and made a payment for the difference. I received a notice from Pennymac that my additional payment was return by my financial institution and they put me back in collections for the {$11.00} I still owe. I called my Bank, XXXX  XXXX XXXX, and they commented that no payment had been returned. So now I am on the phone again with collections for {$33.00}, there systems are down so they told me I have to call back. I told them I was going to notify the CFPB and guess what they called me back.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX/CBNA to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Bank account or service

BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.
Product: Credit card or prepaid card

I had account with XXXX XXXX open this account in XXXX XXXX., I'm in good standard with XXXX XXXX i was approved for XXXX dollars the company deducted my credit limit to XXXX dollar without a reason .I notice that my account was closed without noticed this adverse action my account should have not been closed according to 12 cfr 1026 ( b ) ( 1 ) ( 2 ).
Product: Mortgage

We Refinanced or house on XX/XX/2019. It is now with a different company. They have not sent my escrow refund of {$2600.00}. It has been more than 30 days. Round point mortgage service should have sent it and I should received it by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, STATE OF MI OFFICE CHI XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) EXPERIAN XXXX XXXX, XXXX XXXX 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

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.
Product: Checking or savings account

I usually get a deposit every Thursday or Friday, On Friday, I went to use my banking debit card and it wouldnt work, I went online and everything seemed fine but after calling them, they said everything looked fine but the note from the acct it was due to close XXXX. I was completely confused and thought of it as a mistake but consumer services said they couldnt see any reasons why but it was closing. They also told me that I would have to go see a personal banker at a branch to find out why. So I canceled my workload for the day to see to to branch and see what happened. When I went to the branch, they told me the exact same thing that consumer services did and had no information on why. I asked to pull all my money out at that time and was told I couldnt, but a check would be mailed to me in 5-7 days. I asked about my XXXX deposit from the comp. controller that I receive as my payment for the business and they informed me that it was sent back. I still have no idea WHY my acct was closed and have no access to any my funds this weekend, which is extremely unfair and this whole situation is beyond frustrating. I am now going have three weeks of not getting paid for my employees, thru Tx comp controller. I have direct deposit and now face having to change all of that and open a new business acct, when I have No idea why they shut mine down. Ive paid thousands in Ovedrafts and stayed with them after my acct was compromised at least three times, that I know about. Then they cant even give me a notice and explain why, that they are turning my world upside down by just closing my acct. its not fair and I feel as though, its really not fair. I contract thru the state to provide services to XXXX individuals, I know I would NEVER do this to someone who worked for me. And if I had to, I would sure make sure they were at least offered a explanation, at least a month notice to make other arrangements, and lastly, made there money available for them when I went to the branch. I will NEVER forget about this and the report that I will share about Regions will not be respectable. I am still not use what is happening and still havent been told why my account was closed. I am also not allowed to use my online and Im going need the last two years financial statements for my taxes, so please let me know how I can at least get that from them.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I received my credit report and am unsure if credit score reported is indicative of my actual score. I had it checked last year and it was quite different. I have been paying my bills to my knowledge and can not recall if any have been consistently late. I received a " serious delinquency '' and " '' Past due on accounts '' from all three bureaus. I would like to know which creditors reported to the bureau of any delinquent payments, past due amounts or any information available so I can figure out which payments have been missed or whether there is any identity theft fraudulent issue used in my name that I am unaware of. Please take this matter into consideration and I hope to be in touch with you shortly. 

Thanks, XXXX
Product: Money transfer, virtual currency, or money service

XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023 an inquiry made by CAPITAL ONE was added to your credit report. 

Capital One! XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX I did not apply for a new line of credit. 
I did not give permission to apply for a credit card or any other services through CAPITAL ONE. 

This is FRAUD or IDENTITY THEFT. 

I have reached out and tried contacting the number above, it only leads to a automated teller trying to sign me up for a new credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a XXXX  phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have an assumed a vital role and have 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 or on the dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't 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 the screen shot attached. Please note that this is for XXXX
Product: Bank account or service

I an a JPMorganChase Client, I currently hold a Mortgage and a Checking account with this bank. This morning I logged into my account to discover that Chase had approved an Amazon/Chase Credit Card on XX/XX/2017 with a credit limit of $ XXXX. I called JPMorganChase Fradulent Card department to inquire about this credit card.. non-chalantly the CSR said to me - " If you did not apply for this credit card, we will cancel it, and YOU can notify the credit bureau of fraud ''. I further asked where was this credit card being sent, and I was told it was not being sent to the address on file though they can not provide me this information. I am amazed that JPMorganChase being my banker approved a credit card in my name, linked it to my other accounts without doing the necessary due diligence of a Red Flag that a card was being sent to a different address. 
I again called JPMorganChase later this afternoon to provide this information to me about why and how can they approve a credit card in my name without doing a better due diligence on the application and where was this credit card being sent to? I was told in order to receive this information, I must provide a copy of my identity..i.e. Driver 's License, make a police report, Send a Miscellaneous Incidence Report and provide an affidavit of this claim. 
I find this very disturbing that my bank issued a credit card in my name without asking for identification, yet at this time I must provide proof of who I am ; as my banker who holds my Checking account and my Mortgage and with the array of cyber fraud, JPMorganChase should be held responsible for higher due diligence standards. 
Please help me to hold JPMorganChase responsible for this poor due diligence, and take responsibility for this by providing the information to me on this application. It makes more sense to have this information before I can file a police report. 
I do not have the credit card information that was issued, I believed the last four digits I saw was XXXX, before it was removed from the link on my account. I have reported the fraud to all XXXX ( XXXX ) credit bureaus. I have also requested that Chase remove this hard inquiry on my credit reports because it is affecting my Debt to Ratio credit score. 
Thank you in advance for your usual prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 

Please validate this reporting account to prevent further erroneous reporting. 
XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX {$19000.00} XXXX XXXX - XXXX XXXX {$910.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, XXXX, and Experian due to their failure to address inaccuracies on my credit report, despite multiple disputes. The incorrect information continues to appear, and no corrective action has been taken.

FCRA 623 ( a ) ( b ) : The disputed account was not properly marked as " disputed '' on my credit report.

FCRA 605 ( c ) : The date of last activity is incorrect and should reflect the actual date of payment.

FDCPA 809 ( b ) : The collection account has not been validated, even after I requested verification.

I request that the CFPB investigate these issues and take appropriate action to ensure the credit bureaus comply with the law by correcting the inaccuracies, marking the account as disputed, and providing proper validation of the debt.