23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX  XXXX  XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times i have tried to dispute a collections mark on my credit. First of all experian used to display that the collections mark would be off in XXXX or XXXX. Now it doesnt say that any more and the mark is still there. But i have given many reasons in my disputes including this as well as errors in the dates of the collection report and the collections agencies failure to locate the case with my social security number which they ask for on the phone. Experian has only given me vague dispute conclusions that say the collector is valid ; but thats it. No details perraining to my dispute. Im not even sure they looked into it. And to top it off experian went ahead and updated the collection report to todays date as opposed to 2019 which it had. So i can thank them for the extra two years of delinquency on the report. Not.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified this inquiry as inaccurate and unauthorized. I have not provided consent for this inquiry, nor do I have any affiliation with the creditor listed.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : Dear XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical XXXX Balance XXXX {$200.00} Medical XXXXXXXX Balance : {$170.00} Medical XXXXXXXX Balance : {$120.00} Medical XXXXXXXX Balance : {$110.00} Medical  XXXX Balance : {$300.00} Medical  XXXX Balance : {$230.00} Medical  XXXX Balance : {$420.00} Medical  XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Product: Consumer Loan

XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.
Product: Student loan

In XXXX I took out a federal student loan for ( XXXX ) XXXX dollars. ever since XXXX my taxes has been taken. Its been 30-40years and my taxes are still being taken and this student loan has been paid in full 30times the amount. Now this credit bureau is haressing and calling every day and I am not going to pay them when this student loan is over 40years old and the school went out of business. I need help, the name of the agency is Allied Interstate base in XXXX, OH. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 round of dispute letter to Transunion, XXXX, and XXXX to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING THE FCRA, This company has VIOLATED my consumer rights!! NONE OF THIS INFORMATION WAS SHARED WITH ME FROM THE COMPANIES LISTED BELOW. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Name : CB Indigo Account Number : XXXX Account is reporting late 60 days XX/XX/2022, late 30 days XX/XX/2022, XXXX  30 days. Remove this late payment immediately. 

MY PERSONAL INFORMATION WAS SHARED WITHOUT MY CONSENT! DELETE THIS LATE PAYMENT IMMEDIATELY!
Product: Debt collection

I was going though a credit agency to fix my credit to obtain credit when I found out an item was on my report that was not mines. I was told to make a Police report and to dispute the item. I did. I recieved a letter saying that this was my account. I submitted to all 3 credit reporting agencies with the information they requested including the police report. 2 of the reporting agencies removed the item off my report. one agencies did not. I again filed another dispute as well as contacted the name of the agent on my letter and they said they will look into it but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the UNKNOWN INQUIRY listed below is still reporting on my credit report. In violation of Federal Law, EQUIFAX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting this unknown inquiry. Hereof, given all my attempts to address this concern with the bureau, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/2020
Product: Mortgage

Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.
Product: Bank account or service

I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I XXXX XXXX, still have not gotten the information I requested. 
My claim keeps getting denied. 
I never received the card or activated the card that had the charges that totaled {$880.00}. 

The fraud department only sent me proof that the card was actived and the charges that were made. I have asked if they could tell me what ( 1 ) phone number was used to activate the card, ( 2 ) if the person knew my SSN, and ( 3 ) if they have a photo of the person making the charges.

I never saw that card and I did not activate it. I did not give anyone permission to use my card. 

I filed a police report because this was the second time my XXXX funds were stolen. Your system does not protect the vulnerable. My police report number is XXXX. A copy of the report is in my file. 

My husband and I have been back and forth in the hospital he is dealing with XXXX that has spread all throughout his body. We need all of our money. The missing {$880.00} has caused a lot of bills not to be paid. 
Please make this situation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT 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
Product: Debt collection

XXXX XXXX XXXX have claimed that I owe them XXXX dollars and told be to pay them by using prepaid cards. And is currently saying that they will sue me if I do not pay, but I remember paying it off, or so I thought. Below is the email they sent me : LEGAL ATTORNEY Mon, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me This is ACE XXXX XXXX XXXX XXXX XXXX it is a parent company which owns and operates more than 350 parental payday loan websites- XXXX  XXXX XXXX , XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  etc. You have used one of them to get this loan approved and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours. What would you like to do? The principal amount was {$300.00} and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of {$300.00} goes up to {$980.00}. 



We are talking about the loan amount of {$300.00} that you took with the company ACE, they do have a signed copy of the contract which is signed under your email address XXXX and also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical pieces of evidence in order to prove the money was successfully deposited into your bank account.

We have settlement amount for you : 1. If you can make a one-time payment of {$400.00} by today then we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment then you have to pay a total amount of {$500.00} with payment arrangement and you can pay {$100.00} bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of {$600.00} with payment arrangement and you can pay {$200.00} monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account. 



We would like to update you that once you will pay off the balance thereafter we will provide you a Full And Final Payment Receipt stating that your account has been paid in full with XXXX balance and you are no longer a debtor for the company. Also we will remove your name from the Major Credit Bureau.

Do revert back for any queries, And I said it's okay, that I don't mind paying in off, but there is no way I will do prepaid cards, especially one that I do not know. I would rather pay in check, debit card, or cash order if needed. I just never knew that I had a debt still, since they took money out of my account repeatedly
Product: Credit card

I had disputed several charges that were fraudulent direct express assured me that the charges would be credit back to my bank card and they did temporarily and then recharged me back the following month. This has been going on since XXXX of this year totaling {$1200.00} to date. I was told they cases were being investigated with no avail they or coresspondince from them. In addition there was so much its hard to write everything they really comprised me and left me broke every month. I called several times only to be hung or then I went to the local social security department and they informed me of how fraudulent this bank was but couldn't help me. I also went to several banks locally asking for help with my situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the accounts listed here.
Product: Debt collection

CFPB Complaint : IC Systems Inc.

Introduction I am filing a complaint against IC Systems Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Debt in Question Briefly desribe the debt ( e.g., utility ). 
State that you are unaware of this debt.

Issues Lack of Five-Day Notice : I did not receive the initia written notice required by the FDCPA within five days of the first attempt to collect the debt.

Dispute Opportunity : I was not provided a reasonable opportunity to dispute the validity of the debt.

Improper Notification : I did not receive proper notification regarding the collection of this debt.

Missing Proof of Notice : If IC Systems Inc. believes they provided proper notifiation, I request a certified receipt with my signature as evidence of delivery.

Request I request that IC Systems Inc. cease all collection activities related to this debt until they can validate the debt and ensure they are following the FDCPA.

If the debt is found to be invalid, I request that IC Systems Inc. remove any negative information reported to credit bureaus.

Additional Information Conclusion Thank you for your time and attentio to this matter. I look forward to your investigation and a resolutio to this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note : ID and Proof of address
Product: Student loan

I have made 25 payments on my loans that should qualify for the Public Service Forgiveness Loan program. They are only counting 11 of them even though I have turned in all of the required employee certifications ( sometimes multiple times ) and paystubs. I called them to figure it out. They said that one of the employment certifications was incorrectly filled out ( they said it was missing a start date, it was not ). I filled out the form 3 times and sent it in.
I then received another statement claiming 17 payments counted.
Everytime I fill out paperwork for them and send it in, they make mistakes and I end up having to do it again. I am terrified that I am going to end up paying more because of their XXXX ups. My payment dates are as follows : These payments all took place while I worked at another XXXX, XXXX XXXX which should qualify. 
XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXXAll Loans Payment {$86.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$81.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$80.00} XX/XX/XXXX All Loans Payment {$78.00} XX/XX/XXXX All Loans Payment {$5.00} XX/XX/XXXX All Loans Payment {$8.00} ( From XX/XX/XXXX-XX/XX/XXXX I  was unemployed and on an unemployment deferral. ) The payments below this line took place when I worked at a XXXX XXXX XXXX XXXX. They should all qualify. 
XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$430.00} With this program being in jeopardy because of the current president, I want to make sure they are servicing my loan correctly. I have copies of all of my forms that I filled out and sent if you need them.