23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint against I. C. Systems INC Dear Consumer Financial Protection Bureau, I am reaching out to lodge a formal complaint against I. C. Systems INC due to significant breaches of my rights as outlined in the Consumer Financial Protection Act. I have identified that I. C. Systems INC inaccurately reported a collection on my credit file without prior notice or advising me of my right to contest this supposed debt, violating my consumer rights. 

I am exercising my right to cease all forms of communication with I. C. Systems INC, including but not limited to text messages, emails, and telephone calls. I insist on limiting future correspondences to written communication only, as per my consumer rights. 

Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby request that I. C. Systems INC furnish a copy of any purchase order agreement made with the original creditor. My concern lies with the validity and accuracy of the account information provided, especially any clauses indicating potential inaccuracies in the data sold. Should I. C. Systems INC fail to present such documentation, I demand the immediate removal of the account from my credit report. 

Moreover, the reported date signifying the opening of an account with I. C. Systems INC is categorically incorrect. I have neither availed myself of any services or products from I. C. Systems INC nor agreed to any form of contract with them. This misrepresentation is damaging my credit history and violates my rights as a consumer. 

It has also come to my attention that I. C. Systems INC may not hold the requisite licenses or bonds required for debt collection within my jurisdiction. This information casts doubt on the legality of their operations and underscores the urgency for remedial action. 

Given these circumstances, I contend that I. C. Systems INC has contravened regulations set forth in 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). Consequently, I demand the prompt expungement of this collection from my credit report and implore the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these allegations. 

I kindly request to be updated on the developments of this complaint. I appreciate your prompt attention to this matter and look forward to your support in resolving these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ, XXXX ( XXXX ) XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed multiple fraudulent accounts. These accounts are affecting my ability to attain my XXXX XXXX XXXX. 

Please remove these accounts as soon as possible. 
Please and Thank You.
Product: Student loan

Aidvantage is my loan servicer. I had a payment due on XX/XX/XXXX, I called and asked for them to investigate this payment date because I was supposed to be in the Grace period ( Graduation date was XX/XX/XXXX ). They never got back to me, so to avoid problems I paid the amount in full on XX/XX/XXXX. I keep receiving notices from the U.S. Department of Education stating that action is required on my loan and I missed a payment. 
Their customer service is poor and I am applying for a loan their negligent reporting will affect my future education and ability to secure additional student loans.
Product: Credit card or prepaid card

The company I work for used PNC for our corporate credit cards but recently switched banks. I received a bill from PNC bank for {$780.00} which includes a {$15.00} " late fee '' for charges nobody at PNC has been able to explain to me. Back in XXXX of 2020 I had fraud committed on my card and I reported it to both PNC and my company as soon as I realized the fraud. The total fraud charges equal about as much as this mystery balance and I just need someone from PNC to speak with me. I have been hung up on twice, put on hold for 20-60 min multiple times and bounced from department to department with answers. I'm not sure what to do next. Literally ANY help would be appreciated.
Product: Money transfer, virtual currency, or money service

The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until I realized that was a scam on XX/XX/XXXX. I was using this online service that does my XXXX  work for since I am an XXXX and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my XXXX  portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} During this time, i would get XXXX of phone calls day and night and was told that if i dont send money they will report it to XXXX  and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam. 
We have talked to the bank so many times if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me. 

this is company information XXXX XXXX XXXX XXXX  I have a information their bank account and phone number.
Product: Debt collection

I have previously communicated my objections regarding this account, yet GLA Collections has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages.

Halt Collection Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties.

Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands.

Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws.

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Product: Checking or savings account

XX/XX/2021 my PPP Loan was deposited in my chase account so I went to handling my business stuff and boom my account is locked because suspicious activity I called and verified my identity a million times and even got hung up on
Product: Checking or savings account

I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with you ...
Product: Checking or savings account

Dear CFPB, I am writing to file another complaint related to a previous one filed against EAST WEST Bank, with the reference number XXXX. 

EAST WEST BANK closed my previous complaint without providing a valid solution or addressing my request or concern. 

I kindly request your assistance in ensuring they comply with the necessary regulations. Thank you.
Product: Debt collection

Account info Account name XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2023 Status Open. {$1.00}, XXXX past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$4100.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$440.00} Credit limit {$3200.00} Highest balance {$4100.00} Terms Current / Terms met 30 Past due 30 days 60 Past due 60 days Payment history guide 60 days past due as of XX/XX/2023, XXXX XXXX 30 days past due as of XX/XX/2023 By XX/XX/2030, this account is scheduled to go to a positive status. 

Balance history XX/XX/2023 Additional info As of XX/XX/2023 your credit limit/high balance was {$3200.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financila Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 asked XXXX and Transunion for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove XXXX  XXXX
Product: Credit card

Hello, Im needing assistance with a deposit being returned to me in the amount of {$200.00}. I closed my account with this company in XX/XX/2023 and I have yet to receive my return deposit. Im not sure of their reason of holding my deposit however the account has been closed and Ive yet to receive my deposit.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score.

I understand the importance of accurate and up-to-date
information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report I did not authorize this inquiry. 

1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX Inquiry : XX/XX/XXXX 3. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4. XXXX XXXX Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 6. XXXX Inquiry : XXXX. XXXX, XXXX 7. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 8. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

Chase bank closed out my account for no reason on XX/XX/2023, and refused to give my money back. I have {$3600.00} funds balance on the account.
Product: Vehicle loan or lease

I paid off my entire loan payment on my car over XXXX yrs ago with NorthState Acceptance.I NEVER received my title. I have attempted to obtain my title MULTIPLE times. This entire time I have been told excuses like " I didnt work here then '' or " the manager isnt available '' or " Ill call you back '' each excuse never resulted in the company following up with me. Instead I have had to persistantly contact them. This last attempt has been over a XXXX week period where they first pretended they didnt know where my title was. Only to now take XXXX responsibility and allege they mailed it to my exact address XXXX yrs ago then direct me to visit the XXXX and PAY to file for a duplicate title which can take WEEKS. This is prohibiting me from selling the vehicle I PAID OFF AND RIGHTFULLY OWN. I should not be held financially responsible or physically responsible for their disorganization lack of communication and FAILURE to uphold their end of the contractual agreement.
Product: Credit reporting or other personal consumer reports

This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 
I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 
However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. 
For the companies I was able to reach, none have any record of my existence within their systems. 
If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per XXXX XXXX XXXX XXXX Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Student loan

My XXXX Federal Student Loans were with Direct Student Loans before Navient took them over in XX/XX/XXXX to " service '' them. a yr and a half later all XXXX of my student loan accounts that Navient were servicing were set to {$0.00} on all 3 of my credit reports. On XX/XX/XXXX i sent Navient Corp. a " Request for Statement of Accounts '' " UCC 9-210 '' for the XXXX original account numbers that they were " servicing '' for Direct Loans and up to this point they 've have n't responded. Certified Postal Service Mail XXXX
Product: Mortgage

Credit report data is incorrect reflecting delinquent status and 60 days past due. This is impacting my credit score and ability to obtain a loan. Me. Cooper held my mortgage for 6 months in 2020, XXXX thru XXXX. Payments were due on the first of each month beginning XX/XX/XXXX and payment data from their website coincides with the dates recorded on my bank account. Payments recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and payoff recorded XXXX XXXX Credit reports show 2 months 30 days past due and current status of 60 days late. Statuss should reflect paid in full and no late payments. I have had to pay higher interest rates on my current mortgage and is impacting my ability to secure a loan at this time.
Product: Debt collection

In XXXX of 2018 we completed an application for an unsecured line of credit for {$100000.00}. By XXXX we had pulled out all {$100000.00} and started making payments on it. While getting payments set up with the bank was much more difficult than it needed to be, we did make all of our payments on time for the last 18 months exactly as billed. After 11 months City National emailed me and notified me that I needed to re-apply for the loan or not only would the line be closed, but the full amount would be due immediately. I provided assets over 2.5x the credit line and income supporting a very low DTI , but that wasn't enough. They continued to harass us only via text and email, never mail ( just kept billing us the same amount due ) so we decided, regardless of the resolution, we never wanted to do business with City National Bank and started aggressively paying it down. Over the following 5 months we reduced the balance by over {$50000.00}. On XX/XX/XXXX I received another text message from a person at the bank stating we owe them the rest of the money by XXXX or they will file it with collections.
Product: Credit card or prepaid card

Account paid to delete XXXX XXXX hasnt deleted. Called and they stated its paid in full and didnt have access to delete.
Product: Debt collection

I received an email regarding collection of future payments at XXXX on XX/XX/2023. According to the Florida consumer laws a collector is not allowed to contact you by phone or email prior to XXXX. This is a clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Approved for funding to cure back payments on mortgage thru Step Forward Michigan. Nationstar does not reply to settle issue and continues to push forward a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}
Product: Credit card

Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem