23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The issue seems to be that IC Systems claims that I owe XXXX XXXX XXXX XXXX an amount of XXXX. IC Systems also made a delinquent remark on my credit report. When I requested them details and breakdown of amount and my permission for services solicited IC Systems never provided it. 

Instead they said I had paid it and closed the delinquency charge but left it showing as delinquent for XXXX months. When I stated that I had not paid a single penny and why they closed it and left it as delinquent for XXXX months they re-opened on the outstanding amount. 

XXXX does not allow for the website to allow for reopening the dispute. So I had to call them and manually open a dispute. 

My chief complaint with IC Systems is that they have not provided me with details of delinquency charges but continue to report it. I have contacted them in writing and they have not responded. 

I received a call from IC Systems using a number " XXXX '' and spoke to XXXX. She asked me if I was disputing the debt I said yes. I also informed her that I had requested details of the debt and my authorization and for proof of having requested the service she/or XXXX claimed XXXX me. I have had no documented proof of the same either from IC Systems or XXXX. 

I also informed her that despite me not having paid any amount the debt was flagged as paid, closed. This is incorrect and paints my credit in a bad light. 

She then offered to settle the 'outstanding " debt for half the amount. I said I would not pay a single penny until I see proof of my authorization for services they ( XXXX and or IC Systems ) claim I requested. She mumbled some response that I was not able to comprehend. I also asked her how can they mark it as Paid when I had not paid any amount. If I had paid as IC Systems says then why are they demanding half the amount as per the recorded call. She said they will leave it like that and IC Systems would not take further action. 

I request that CFPB request them for proof of the transaction or remove any mention of debt or collection. 

In summary I have requested in writing and orally proof of details of the debt being claimed and they are not providing the same. As a honest citizen please assist me in getting assistance to resolve this matter. 

Thank you. 

XXXX XXXX XXXX : My letters to IC System are enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. 

I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. 
The following is inaccurate : Company : XXXX XXXX  Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to be reporting to my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. 
It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and provides documented validation of all reported inaccuracies and validates debt. 

I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting

The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bought XXXX, XXXX bought XXXX XXXX, And XXXX XXXX already removed the accounts from my credit file, because they were past the statue of limitation. XXXX will not remove the accounts ; they do not even own the accounts, anymore, so they are being reported, twice, including with XXXX XXXX and should not have been reported, when acquired, due to the statue of limitation. XXXX claims a payment was made, around the 8th year from the account being opened ; they can not provide proof of payment. I NEVER made a payment, so the delinquency date is incorrect. These accounts NEED to be removed from my credit reports. Most of them were opened in 2006, and a payment has never been made. They are private loans and are being treated as Federal, also.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has continued to list unapproved credit inquiries to my credit file. There are 7 companies listed on my credit file that I did not authorize a credit inquiry. This violates the FCRA to report inquiries from companies I did not give permission to run my credit. This is misuse of my credit information. The companies are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello, Please help me. I got a letter from them 2x for the amount of {$1200.00}. XXXX XXXX verbally agreed to my hardship letter that I didn't owe from a debt from XX/XX/XXXX. My insurance company was supposed to pay. Attached is the letter I faxed over today. I got a rude and abusive call from XXXX XXXX and XXXX XXXX the director. I told them not to call me please do what the letter states. They were both rude and both of them told me that's it I wrote refused. I hope you have a good lawyer because we do. I tried to explain my situation and asked to please respond as the letter states for proof. XXXX XXXX rudely stated I am not doing anything! Get a lawyer. Here is my letter I sent by fax. 
Dear Collector, I am responding to your contact about collecting a debt. You contacted me by mail 2x,  on XX/XX/XXXX & XX/XX/XXXX. Assoc of XXXX told me verbally that it was accept as forgiveness since I dont have an income coming in. I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Mortgage

I send payment via online bill pay through my bank to New Rez ( also operates as Shellpoint Mortgage ) every month a week early. This month the money was taken out of my bank account but New Rez never cashed it. My bank shows that the payment was issued and offered to remediate with New Rez. Unfortunately despite a dozen emails and three phone calls, they are charging me a late fee and damaging my credit score. I paid early and I shouldn't be at fault that they haven't processed it. The  payment was made on XX/XX/XXXX and it's now XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Had issues with my Zelle, money was being transferred out of my account without my knowledge & I when I called to have it flagged, my account was shut down and they told me I couldnt use it anymore.
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with PenFed Credit Union on XX/XX/2021 in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. PenFed Credit Union overcharged me and violated my consumer rights.
Product: Checking or savings account

I have sent them my identity fraud report and let them know that my debit card was used to pay XXXX $ at a location that I have never heard of. Was told there was nothing they can do and that I am responsible for the money that was mishandled.
Product: Debt collection

They are failing to send me the information Im asking for about these inaccuracies on my report and are emailing me saying Im not the XXXX sending these letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed XXXX Auto account in XXXX of 2022. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with XXXX XXXX, Experian, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over 100 percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX Auto. If you review myXX/XX/XXXXXX/XX/XXXX2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as XXXX and Experian and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.
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 XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$11000.00}.
Product: Vehicle loan or lease

I opened a Auto Loan with Kia Motor Finance on XX/XX/XXXX. Since I opened this loan I have had issues with KMF applying my payments to my account.Every month I have to call customer service after my payment task them to do so. After I call it takes around two weeks for it to be applied and its usually time for the next months payment to be made. 

After dealing with this since XXXX, I have also had to complain about them applying my payment towards late fees that I should not of had due to my payment was made on time and KMF reporting incorrect information on my credit report. 

The major complaint is that my payments after applied is being distributed incorrectly. Please Note that my Due date is the XXXX of the month @ {$570.00} Examples : Date:XXXX. Payment:XXXX. Principle : XXXX Interest:XXXX XX/XX/XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I made an attempt to put my payments ahead by 2 months so I would never be behind.Since the computer and the company could not keep up with payments, I am not ahead at all. Instead they calculated my payments incorrectly. Also during the time that I was making extra payments they had another system glitch that completely wiped out ever single payment that I had made since XX/XX/XXXX. After the payments were put backing the system over 30 days later, nothing was the same. My account was even showing past due when I made extra payments to be ahead on my payments by two months.

KMF has made it very difficult to remain accuracy with my payments.I really wanted to make extra payments so that I could have paid my vehicle off early. KMF customer service does not help solve any of these problems. KMF gives an excuse every single month that I am not the only customer dealing with this issue but this has been going on for years.

I am absolutely convinced that due to KMF applying my payments incorrectly, I should owe less on my vehicle than what is being showed.
Product: Credit card or prepaid card

Company denied my fraud claim on this account I never applied for. ID was stolen from me and the signature is invalid email and addresses dont match on this account I didnt apply for a XXXX XXXX project loan. Company refused to temporarily remove this account off my credit report. My girlfriend stolen my identity and use her address in XXXX Texas .. company refused to accept my documents I send through the mail. Company is a joke
Product: Credit reporting or other personal consumer reports

I am writing to address an inaccuracy in my consumer report regarding Account Name : XXXX. Specifically, my report incorrectly indicates that I missed a payment on this account. I wish to emphasize that all payments associated with this account have been made on time, and I have evidence to support this asertion.

Under the Fair Credit Reporting Act, particularly 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of individuals ' information. Therefore, it is imperative that this discrepancy is rectified promptly to uphold the integrity of my credit report.

I kindly request that the erroneous infomation regarding the missed payment on Account Name : XXXX be corrected without delay, and that my credit report accurately reflects my payment history. Thank you for your attention to this matter.
Product: Credit card or prepaid card

The credit card company stated they tried to withdraw the money for a payment on 4 occasions and the bank refused to pay ( insufficient funds ). The bank claims they never contacted them. I finally mailed a cashiers check to Barclay 's Bank which they received and cashed ( copy attached ) on XXXX XXXX. To date they have not credited my account. I have complained several times but their customer service only says they " will investigate ''. 

My credit rating has been affected by their sloppy practices. This has been going on since XX/XX/2022. 

See cashed check and reconcilliation attached.
Product: Credit card or prepaid card

I scheduled a payment to my secured credit card in the amount of {$56.00} on XX/XX/XXXX which was returned by my bank and I was charged a return check fee of {$39.00} on XX/XX/XXXX by Citi Bank. Another payment was scheduled in error in the amount of {$270.00} on XX/XX/XXXX which was again returned by my bank and I was charged another {$39.00} return check fee by Citi Bank on XX/XX/XXXX. My credit limit on this card was {$300.00}. I made a payment of {$280.00} to make up for the payments that were returned on XX/XX/XXXX which cleared my bank on XX/XX/XXXX. I was charged another return check fee of {$39.00} on XX/XX/XXXX. I called Citi Bank to let them know I had fraud on my account and found out that they had the payment of {$280.00} on hold until XX/XX/XXXX. I spoke with a Citi Bank representative who called my bank to verify that the funds did clear which they confirmed it did and my payment was taken off hold. This left me with a credit to my balance of {$110.00} and the full credit limit of {$300.00} available to use. I made a cash advance of {$100.00} on XX/XX/XXXX which ended up leaving me with an available credit of {$260.00} due to the credit on my balance and a credit on my balance in the amount of XXXX. I went to use my card yesterday on XX/XX/XXXX for {$30.00} and the card was declined. I called CitiBank and was on the phone for over 30 minutes when they said that they closed my account due to the 2 payments that were returned unpaid. They said they would be able to issue a check for {$62.00} since that was the credit on my balance but that I would have to wait 1-2 billing cycles for my initial deposit of {$300.00} to be returned. I asked for a manager and XXXX the representative who I was speaking to said no one was available and they would have to call me back in about 10 minutes. After over 4 hours no one called me back so I called them again. I explained the situation to the manager XXXX and she said since the account was now closed she would not be able to issue a check for the initial deposit for 1-2 billing cycles but could issue the check for {$62.00} immediately. So after all was said and done my current balance was - {$62.00} and they owed me {$300.00}. I looked at the account today XX/XX/XXXX and now it is showing that there is a current balance of {$210.00} but there were no purchases and no transactions posted between the 2 days. They are trying to say that I owe a balance now so they can try to swindle me out of my money. I took screenshots of everything. They are trying to scam me and are using unfair and unlawful practices.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four 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 from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX  XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. In addition to these I've noticed several fraudulent hard inquiries please remove also -XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. 
It is essential that this inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of these unauthorized activities, I contacted the bank, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The bank has confirmed the identity theft and is aware that the account was opened without my authorization. 

XXXXXXXX XXXX
Product: Debt collection

Hello, It appears your company is reporting approximately {$380.00} on my credit report. Please read below thoroughly. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in therefore exists. 

Thank you,
Product: Credit card or prepaid card

I bought a XXXX Washer Machine on XX/XX/2019. I place an order online but when I got the washer it was too big and I decided to return it, Best Buy Store charged me {$69.00} for return Delivery. While I was waiting for the machine to be pick up I tried to make an space so it can fit in my kitchen and it did. I went back to the store to cancel return, the canceled it but my {$69.00} is not on my account back. I tried to fix the problem with them but theyre saying theres no way to put that money back on my account, that is called STEALING. So I want to file this complaint because Inma not fair the easily charged me but now no money back