23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX, XXXX I received notice via the US Mail from I.C. System Inc that they are collecting debt owed to XXXX XXXX. They claim that amount past due was {$1000.00}. This is XXXX of many attempts from several collection companies to fraudulently collect funds from me. The first attempt was from XXXX in XXXX, XXXX. They claimed I owed funds to XXXX. I immediately contacted XXXX and was told I did not owe any funds and they had not requested debt collection from XXXX. XXXX assigned to me a complaint reference number XXXX. I later was contacted by XXXX XXXX XXXX saying I owed funds to XXXX / XXXX. I filed a complaint with the office of Indiana Attorney General on XX/XX/XXXX. The XXXX office investigated but XXXX XXXX XXXX did not respond. Then on XX/XX/XXXX I received notice from XXXX ( another debt collection company ) saying I owed {$1000.00} to XXXX XXXX XXXX. So the attempt by I.C. System to fraudulently collect past due funds is the fourth different debt collection company! On XX/XX/XXXX, I sent an email to I.C. System, Inc stating that no funds are due. They did not respond to my email. On XX/XX/XXXX I was notified by XXXX ( credit report XXXX XXXX ) that I.C. System notified XXXX that I owe {$1000.00}. I notified XXXX and they have filed for a dispute investigation of fraud. The case number assigned is XXXX. This issue has progressed over several years and through four debt collection companies, all of which are fraudulent. Thanks for any action you can take to contact this latest company I.C. System, Inc and ask them to cease and desist.
Product: Credit reporting or other personal consumer reports

I am frustrated with TransUnions poor customer service, specifically in managing my credit freeze. Every time I log in, I encounter an error message that says, " Sorry, we're having trouble showing the status of your credit freeze right now. '' When I tried credit report, it says " We're unable to complete your request online. '' I have tried many live chat and phone call throughout few months. The representative gave me several case numbers and all they are saying is they are looking into the case. However, this problem has been going on for few months. Sometimes the live agent hang up the phone call on me. I find Transunion 's approach unacceptable and expect better service.
Product: Credit reporting or other personal consumer reports

Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as follows. 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 These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised and used to access credit fraudulently on my behalf without my knowledge or consent. I applied for a homeloan and noticed several discrepancies. The accounts list as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all accounts that I have never done any business with and are now hurting my credit.
Product: Vehicle loan or lease

Lease ended in late XXXX. US Bank billed me for the agreed upon lease termination fee, which I paid within 10 days of receiving. By the time I got the invoice for the lease termination fee, it was ALREADY PAST THE DUE DATE. I refused to pay a late fee because it took US Bank so long to send out the termination fee invoice. I paid the amount due in full, as I did every single lease payment. I have written to US Bank multiple times and return their phone messages advising them that they send me a lease termination invoice LATE and advised them THIS IS A DISPUTED MATTER. They continue to harass me by sending invoices, forcing me to repeatedly reply telling them this is a disputed matter. I paid the lease on time and in full. I am NOT paying for their sending me an invoice late. BTW, I did not terminate the lease early. None of the choices the CFPB allowed fit my situation exactly right. Attached is my XXXX of XXXX letter to US Bank and the most recent invoice from US Bank.
Product: Debt collection

To Whom may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Furthermore, I am concerned that your collection practices may be in violation of Federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) and 12 CFR 1006.34 ( d ).

Violation of 12 CFR1006.34 ( b ) ( 5 ), According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide me with detailed information about the debt, including the name of the creditor to whom the debt is currently owed. Your initial communication failed to include this critical information. This omission hinders my ability to effectively verify and address the debt.

Violation of CFR 1006.34 ( c ) ( 4 ) ( 1 ) : You must clearly state the amount of the debt, including any interest, fees, or other charges, and explain how these amounts were determined. The communications I have received from your agency have not provided a clear breakdown of the debt amount making it impossible for me to understand the basis of the alleged debt.

Violation 12 CFR 1006.34 ( d ) : Stipulates that you must provide the consumer with a notice of their rights to dispute the debt and request the name and address of the original creditor if different from the current creditor. I have not received such a notice, thereby Impeding my ability to exercise my rights under the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) In light of these violations, I demand that you cease all collection activities until you provide the following : Name of the creditor to whom the debt is currently owed. 
A detailed and itemized statement of the debt including interest, fees, and other charges. 
A notice of my rights to dispute the debt and request the name and address of the original creditor Please treat this letter as a formal dispute of the alleged debt and a request for validation as required by law. I expect a response within 30 days of the receipt of this letter Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing you pursuant to the Fair Dept Collection Practices Act ( FDCPA ), 15 U.S.C.1692-1692p, to demand that you immediately produce the following documents.

Please Provide me with the following information to validate the dept.

Original Creditor : The name of the original company the extended the credit.

Original Contract or Agreement : A copy of the original contract agreement for the dept.

Statement of Account : A detailed statement of the account, including all transactions and dates. 
Supporting Documents : Any additional documents that support the dept, such as invoices or receipts. 
Signed statement validating the alleged dept from the original creditor. 
The original contract with my alleged signature. Documentation showing that I must pay LVNV Funding for the alleged dept. 
I haven't received all the requested documentation.
Product: Checking or savings account

I earlier filed a complaint about the account I had with suntrust that was closed and it was received and assigned to XXXX XXXX of XXXX XXXX XXXX, However there are somethings I find odd in the response I got, It was stated that my account was closed on XXXX as opposed to XXXX I was told at the branch, and what I was fed at the branch did not happen because I was told then that I would be mailed a check. 
Now again the response I got from XXXX XXXX of XXXX XXXX XXXX is that {$11000.00} is being held awaiting to be returned to where the funds originated ... Now my question is that. Did suntrust now truist as a company just recently found out about my money at their bank just after my last complaint? After my account was closed almost 2 years ago?????? And after 2 whole years it's still awaiting to be returned??? During those 2 years, what was going on and why was it not returned as soon as they determined the relationship between I and the bank is over? Why does it have to be now they decide to determine it's will be returned????? 
How solid is their word???????, can I really trust what they say they will do because this will be the second time??????????? if so why was a particular date not stated???????????? why did I not get a statement of my account a as to follow up with my family members who deposited the funds and to confirm if each and everyone got the particular amount that was sent to them??????????????????????????? It's been 2 whole years, surely trust bank doesn't expect me to have every deposit that was done memorized and I demand to know when they funds shall be returned!!!!!!!!!!!!!!!!!!!!!!!!!!! ......
Product: Checking or savings account

Hi my name is XXXX XXXX and I have two accounts with BB & T. I have a personal checking account and a joint account with my wife. About three weeks ago, I tried to log on my mobile banking app and it wasnt letting me to log on. It said access blocked. So I called the number they put on there which is attached with the files. The lady I spoke with on that Friday said that there was an ACH fraudulent activity on my personal account, that wasnt supposed to be paid to me and was paid to me and withdrawn from my account and thats why my account is blocked. So I told her that I dont remember any transaction like that on my account. Can I see my statement please? She was like no, BB & T have terminated our relationship and the account is under investigation and I dont have access to my personal account nor the joint account. If I want my statement, I have to go to the branch to get it. So after I got off the phone with the lady, I remembered that someone had broken into my car a couple of weeks before this problem. So I contacted the police officer that gave me a case number that night and she requested for a statement to make an investigation and I told her that I will go to the bank and get it for her. So the following Monday, I went to the bank. They all acted very confused. they told me they cant give me my statement as well, I need to call customer service to get my statements and I was like I was told to go to the bank to get my statements. So they kept playing me back and forth. I understand if they have to do their investigation but I need access to my funds not only my funds is frozen but my wife funds too. Theres no one to contact or call at the co operate making the investigation, according to who I spoke with on the phone. theres no information on when I can get access to my funds. All they keep saying is that they dont know. This is not fair at all, especially with this pandemic going on. Everyone is trying to manage every dollar they have and bills have to be paid. these people dont care about that. Someone please help me!!
Product: Credit card or prepaid card

A usps package showed up at my house that I did not order so I refused delivery. I also found a charge on my debit card for {$100.00} I emailed the merchant and they claimed they never received the package. I showed them the USPS tracking that showed I refused it and they still will not return my money to my debit card. I showed all this to TCF and they claimed I did not return it to the merchant within 30 days. After I proved to them that I did they changed their story to it has nothing to do with TCF even though TCF is the one that released the {$100.00} from my account without my permission. 

TCF reply letter to me says I am entitled to review documents used to make this decision. I called TCF at XXXX and asked for documentation used to make their decision and they had none.
Product: Student loan

Navient has been contacting and leaving messages with friends who are not listed on the account and do not have anything to do with the account. They have my current information and I have spoken with them on numerous occasions. I know that it is in violation for them to call a third party more than once and leave a messages for/to the third party.
Product: Credit reporting

I checked my Experian Report and Found a collection account from XXXX or XXXX, I notified both XXXX and Experian that these are Fraud and asked Experian to block this account under FCRA Section 605B and 623 ( a ) ( 6 ). Experian failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax about my wrong date of birth. They said there was nothing that could be done about it. They were contacted XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the approximate time of XXXX thru XXXX, I received a lot of pre-approval offers on XXXX XXXX. I wasn't going to apply for additional credit but XXXX XXXX kept sending me all types of pre-approvals for credit cards and personal loans and I could refinance my vehicle to receive a lower rate. 
Everyday I would see more offers when I logged on to the site to check my credit scores. After a few months of being informed I was reapproved I thought I was now in good place to apply. I continued to receive so many offer through XXXX XXXX that I spoke with my family to discuss business investments due to receiving so many pre-approval offers from XXXX XXXX. 
In XXXX and the early part of XXXX I applied for a business credit card and personal credit card based on the pre-approval offers I continued to receive from XXXX XXXX. I applied for both a business line of credit for {$10000.00} and a personal line of credit for {$10000.00} and was denied by the banks XXXX XXXX advertised to me. I felt humiliated and deceived by XXXX XXXX. I was marketed to for a very long time by XXXX XXXX telling me I was pre-approved. XXXX XXXX told me I was pre-approved this was found to be a lie. I became stressed out and I was experiencing migraines so bad I started to become withdrawn from my family and friends.
Product: Credit reporting

I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. There are several names and addresses that do not belong to me. I previously sent several dispute letters trying to update this information. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, AL XXXX there should be no other names or addresses listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account on my credit report. I have written and called multiple times. I've requested proof of the account legitimacy. I still have not received anything from the company or the credit bureau showing my ownership of this account, or in fact who it truly belongs to.
Product: Checking or savings account

On XX/XX/2024, I opened a new account with SoFi and deposited {$5000.00} via direct deposit on XX/XX/2024. However, shortly after this deposit, my account was unexpectedly restricted, rendering me unable to access my funds. 

Despite reaching out to SoFi 's customer service on multiple occasions, I have been unable to obtain any information regarding the reason for the account restriction or an estimated resolution timeframe. Each time I contacted them, I was informed that there was no available supervisor to escalate the matter to and the representatives were unable to provide any additional insights beyond advising me to wait until the restriction is lifted. 

Despite my inquiries, SoFi 's customer service has been unable to offer any clarity on when the restriction might be resolved. It has now been approximately 9 days since the restriction was imposed and as of today, XX/XX/2024, it remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Product: Credit reporting, credit repair services, or other personal consumer reports

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX auto loan, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  experian show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"
Product: Mortgage

My housing counselor submitted a file on XX/XX/XXXX USBANK we have not heard from the USBANK and its XXXX We received the acknowledgement they recieved the file. We have not heard from them in months. We finally contacted the lender and they staed they sent correspondence out in XXXX that they needed updated documents because some docs had aged. They did not statrt reviewing the file until XXXX which is unacceptable!!! They are not following compliance when a workout package is submitted.
Product: Credit reporting or other personal consumer reports

Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.
Product: Vehicle loan or lease

To whom it may concern, I am writing to you as my last resort. I have called Hyundai Motor Finance on six occasions in regards to correspondence I have received from said organization about the status of my account. On XX/XX/XXXX I received a text from www.hfmusa.com. It  stated I have a payment past due. Upon seeing that I was concerned since I paid the full balance of the lease on XX/XX/XXXX. Here is a clip from the email sent from Hyundai Motor Finance : I have this complete email if needed. I have documentation of the withdrawal as well from my bank statement. This amount was quoted to me from HMF customer service. I sent this amount because it was required for me to pay the full balance of the lease in order to qualify for my mortgage. I can document this as well. 
All of XXXX all was well with the monthly payments. Each month the monthly payment of approximately {$230.00} was deducted from my account. My lease is due to terminate in XX/XX/XXXX. So when I got the text I checked into the other documentation I had. On XX/XX/XXXX I got this email from HMFUSA on my account balance. You can see that it indicates that I still have a credit balance of {$2700.00}. 



I have called HMF concerning this six time. The first time I was accused of being a liar because the inserted documentations did not have a confirmation number. The CSR eventually hung up on me. I have worked closely with call centers and know how they work so I escalated my calls to a supervisor, account specialist, and call center manager. I then called to speak with the call centers manager. I was given to one of her peers as she did not resolve this issue. I requested to speak with her manager. I was told that they were not available. I was told I could not have a name or contact information to that person. 

I then called corporate offices and tried to go through their switchboard. I was transferred to a number with a recorded message that said their office was closed. I called back and got no answer 4 more times. I called once more and got the same switchboard operator who told me that there was nobody in their corporate office available due to the virus. I begged her to give me anybody who can contact somebody in their office who could help me. She passed me through to an Executive Assistant in Finance who in her message said she had nothing to do with leases. I left a message and have not heard back. I am concerned because I was told in one of my last calls that this issue has NOT been resolved. I do not want to walk out my door one day and the car is repossessed and I have negative credit reports placed on file. 

Please respond to me by either email or US Mail. I wish to maintain a paper trail if I need to settle this issue in the court system : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Cc : Hyundai Motor Finance XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Several billing inaccuracies on my credit report show late payments that are inconsistent with my consistent on-time payments. Please correct these errors and update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and XXXX, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you