23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX never contacted me about payment owed for services provided on XX/XX/XXXX -- via mail, email, XXXX by XXXX, phone, or any other medium of communication. 

Instead, they had a debt collection agency, Penn Credit Corporation, mail debt collection to an address at which I did not live at, rather than the address I provided on the date of service on XX/XX/XXXX. 

The debt collection attempt was forwarded to me. I called Penn Credit Corporation on XX/XX/XXXX and agreed to a XXXX XXXX payment to resolve the debt. 

Since then, I've continued to be pestered by XXXX XXXX XXXX XXXX XXXX through different debt collectors, like XXXX XXXX XXXX, in an effort to collect the XXXX XXXX balance from XX/XX/XXXX that was agreed to be waived via Penn Credit Corporation. 

This includes mailings to the same incorrect address, despite my advising XXXX XXXX XXXX XXXX system various times of my new address. 

For XXXXXXXX XXXX, I've messaged and spoken with XXXX XXXX XXXX XXXX XXXX billing staff via XXXX by XXXX and customer phone support, to stop having my guarantor account, XXXX, have debt collection efforts applied for debt already paid. XXXX XXXX XXXX staff have refused to mark my debt as resolved. They've continued to have debt collection agencies reach out to me to attempt to collect debt that has been resolved. The debt has been presented in various ways, as shown in the attached, in efforts to confuse or pressure me to pay. 

The institutional and systematic power of XXXX XXXX XXXX XXXX XXXX and their debt collection partners has caused undue harm on my well-being, greater than the benefit of the services I received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX I'm in a position of defending an agreement that Penn Credit Corporation and XXXX XXXX XXXX XXXX XXXX had no ethical intention of honoring, and being made to feel like I'm in the wrong by continuing to be pestered by debt collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name and addresses : 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 XXXXXXXX CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hiya, I've attached my Identification ( Driver 's License ), exhibits and complaint in the document attached to this complaint. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts linked to my credit report that werent authorized by me, please remove the accounts that were stated in this report off of my credit report, they are hurting my ability to have a good credit score, thank you
Product: Student loan

I was a XX/XX/XXXX who was working towards PSLF from XX/XX/XXXX to XX/XX/XXXX. I left that job to take a job with the XXXX, as a federal employee in XX/XX/XXXX. 

FedLoan will not count my payment in XX/XX/XXXX ( despite being employed, on an income based repayment, and making that payment ) because on my payment due date, I had ended the XX/XX/XXXXjob and had not yet started my job XX/XX/XXXX 

I then asked if I had changed my due date to later in the month, if that payment would have counted. I was told it would have. But because I technically wasn't employed during the date of payment, the payment didn't count : even though for all but a few days in XXXX, I was employed and made a payment on an income based repayment plan. 

This was never explained to me prior. I was told there was no way to retroactively fix this.
Product: Debt collection

I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. 
I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and Ive tried to send paperwork police report & show this the information has still remained there
Product: Money transfer, virtual currency, or money service

The company Im dealing with is Coinbase, Im having issues with their platform Coinbase XXXX. On XXXX XXXX 2021 I initiated a transfer of {$3600.00}. About 30 mins later I called to close my account because their was fraudulent activity. They closed the account and had me verify my account. I send them my Drivers license and a selfie to prove my identity and to regain access Into my account. My account was available 24 hrs after it was locked. I realized that the money I had transferred wasnt in my account. I submitted a ticket and I havent received any answers of where my money is. I received an email on XXXX XXXX that my money was available but its yet to show up in my account. Ill attach proof of the email down below. All the company has to do is check in their systems for my account history and theyll see deposit, transfer history and itll show that Im supposed to have an additional {$3600.00} that I deposited. I already checked the statements online and the last transaction is my deposit of {$3600.00} that still isnt available. The company doesnt use account numbers to identify customers, they use emails or case number. My email is XXXX and I pending car number with them is XXXX XXXXXXXX XXXX  XXXX.
Product: Checking or savings account

I opened a business bank account for my company XXXX XXXX XXXX XXXX that i opened and registered with the state of Louisiana in XXXX of 2020. I made several deposits and i also linked an external account that i VERIFIED was my personal account and i am in fact the account holder. I did a balance transfer for {$1000.00} and everything went smooth. I tried to do another transfer for {$8000.00} and Chase did not allow the transaction to go through and FROZE my account to " protect '' me from suspicious activity. I called the Chase number and the representative could not give me any details on why my account is frozen except for the fact that they had to call XXXX XXXX and verify the account holder and the funding. I asked did they do this to everyone and he replied YES. My partner did a bank transfer for {$10000.00}, the next day and everything went through FINE!!!  After investigating this matter i am seeing that Chase is closing most minority XXXX XXXX account holders accounts. They are suspecting Fraud and or illegal activity when account holders are either transferring large amounts or deposing large amounts in their accounts. As we ALL know Chase has been heavy under fire on MULTIPLE occasions for XXXX XXXX and discriminating against XXXX minorities. I do not think it is FAIR and it's also embarrassing as XXXX that Chase bank is suspecting legit business owners of illegal activity. When going inside the bank and submitting required documentation Chase Bank is asking questions in a very aggressive and interrogatory manner suspecting ALL account holders of Fraud. I operate a legit business and have been operating for 3 years. I recently opened the Chase account to have more than one business account. Being in business it's not fun to have your account/funds tied up and you can't have access to them. I could've EASILY agreed to let Chase contact XXXX XXXXXXXX to verify the account but would i have to do that with EVERY transaction? Again, i wholeheartedly believe Chase needs to be investigated for their practices. This is ridiculous! I have no intentions on EVER doing business with this company again but they do need to be held accountable for their actions!!! I honestly believe a class action law suit should be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for a Capital One card ( under a pre-approved email ) to expand my credit portfolio and they declined due to " the applicant has been reported as deceased ''. 
I contacted all 3 bureaus as instructed on the back of the Adverse Action letter along with XXXX XXXX and no one has me documented as deceased. I also, contacted the Social Security office here locally and Nationally and no one has me reported as deceased. 
I called Capital One and they said they would investigate it if I were to mail in a complaint letter along with any reports and letters I received from the different reporting agencies. 
Because of this issue I can not purchase a car, home, rent an apt or home, obtain more credit cards to improve my credit score, which by the way, I brought from no score to a XXXX in a matter of a few months. 
I believe this all started with XXXX XXXX and the 2nd round of the Paycheck Protection Program when they got the 1st 5 numbers of my ssn backwards?
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

XXXX XXXX Cit Bank : new owners Op -out letter was not sent XX/XX/year> - my payment was made to XXXX XXXX for {$200.00} XX/XX/year> the representative of city Bank said that my bill was sent to my house, and I was supposed to receive a op out letter after XXXX sold the accounts to City bank Citibank representative said XX/XX/XXXXXXXX XXXX citi Bank took over the account Citibank representative said that there is a Late fee of {$40.00} late fee on the account I still did not receive the opt out letter
Product: Checking or savings account

Below sent to Bank in PDF letter To whom it may concern, on XX/XX/XXXXI got an alert via email that a debit of XXXX from a XXXX XXXX in XXXX, FL came through my chase checking account at XXXX XXXX. I was confused as I was home in XXXX and never go to a XXXX XXXX. I immediately called the Chase customer service number provided n the email, once connected I begged the rep to cancel my debit card, only to be passed to another rep who asked me the same questions. During the inquisition two more debits came through my account from a XXXX in XXXX, at this point I begged the rep again to cancel my debit card. Finally he did, but to late as nearly 1000.00 was out of my account. A claim was filed with the fraud department with chase. Keeping in mind this all started at XXXX XXXX. I was assured it would be investigated and researched with these merchants. I looked up the XXXX store number indicated in the debit transaction, I was able to file a loss prevention claim with XXXX XXXX. The store manager for that location did verify my debit card was processed for two amounts of 400.00 plus, when he checked with his front desk clerk, she confirmed someone purchased gift cards? He said once the police or my financial institution contacts the store, he would provide all information and video footage. To my surprise and dismay, no investigation or research was done by Chase. I received an email on XX/XX/XXXX stating the money would not be credited to my account. I called the claims line immediately and was advised it didnt warrant research. After begging and crying the rep re-opened he claim to a higher level. Then notifying me via letter on XX/XX/XXXX it was denied again. I myself called XXXX XXXX who confirmed chase has never investigated. I am disgusted that as a customer this is how I am treated. I live in XXXX and have never had any transactions in XXXX, in addition who spends nearly 1000 at a gas station? Also you have proof I was on the phone with your reps during the two transactions. I have the right for this to be researched properly.
Product: Debt collection

I received phone calls at least twice a day every day. I have written letters to request validation of the debt and no reply. I have never had a XXXX credit card.
Product: Mortgage

XXXX erroneously reported that I was XXXX days past due on my mortgage when I paid on XX/XX/XXXX over the phone and payment was credited the same day. They are crooks and should be fined and I am demanding that they immediately correct my credit report. 

DITECH FINANCIAL LLC has flagged your account as XXXX Days Past Due. 
XX/XX/XXXX Alert Date XXXX Source EXPERIAN XXXX DITECH FINANCIAL LLC Payment Status XXXX Days Past Due Status Date XX/XX/2016 Balance {$180000.00} Balance Date XXXX Address XXXX XXXX, MN XXXX
Product: Credit card

I have always paid this account on time, ensuring it never becomes overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Under 15 USC 1666b, this billing error needs to be corrected.
Product: Debt collection

This organization, American Collections Enterprise Inc., has constantly called my home with a ridiculous recorded message for some who owned this property several years ago, sold the property, and moved away owing considerable debts. ACEI has been calling my unlisted number in an attempt to reach this individual. I do not pick up these recordings to engage with these organizations, and am under no obligation to tell them that I am not the person they are hunting.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I wire transferred {$12000.00} from my XXXX XXXX XXXX bank acct to coinbase inc. I have an account with them to buy/sell cryptocurrencies. they rejected my wire because of " account name mismatch, and your funds have been returned to your bank ''. .I have yet to receive any funds from them. this is going on 3 weeks later
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXredit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

Congratulations on reining in Wells Fargo and making them pay for their arrogance. 
Recently while house cleaning I came across a Wells Fargo piece of mail which I had not opened since XX/XX/XXXX.

The letter mentioned that I had opened a CD for {$5100.00} on XX/XX/XXXX for a term of 3 months. The maturity date was XX/XX/XXXX. The next maturity date was for XX/XX/XXXX. 
The problem is I don't remember purchasing this CD. So I asked the branch in XXXX XXXX, MN what was the disposition of this CD. I do have a checking account with Wells Fargo which evolved into two additional savings accounts without my knowledge. 
The banker said that it's been a decade and they didn't keep records that long. She added that the bank would search the archives if possible. That's the last I heard from Wella Fargo. 
Of course I take the blame for not opening the mail and taking care of the problem a decade ago.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my report and to my surprise i found that i have been a victim of identity theft. i found inquiries that are not mine. this is affecting me. please remove these unauthorized inquires.
Product: Debt collection

There is an attempt to collect {$230.00} from a debt collection agency named XXXX XXXX XXXX. They claim this is an account that was opened under my name under a credit line with Syncrony Bank. 

The first time I learned of this debt was through a telephone call from the collection agency sometime in XXXX or XXXX. I told them that I never opened that account. They are collecting from the wrong person. The agent did not care to listen to my complaint or dispute and the phone call ended with no action or guidance from the agent. Prior to this call I did not receive statements or letters from Syncrony and had no knowledge of this account. 

My daughter also sent the XXXX emails dated XX/XX/XXXX, and a XXXX one on XX/XX/XXXX on my behalf, again disputing this account, letting them know it's either a fraud OR a possibly an error on their part that this credit line was connected to me.

My daughter advised to review my credit report since it had been many years I checked it. When we did so we did find several addresses and employers on my credit profile to which I never lived or worked at so now we think the Syncrony Bank card may have been opened fraudulenty. We have since disputed those items with the credit bureaus and successfully removed them. 

We now opened a fraud alert with XXXX and reviewed this account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.
Product: Debt collection

I have been experiencing issues with I.C. Systems regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of 2022. Despite multiple attempts to request verification of this debt, I.C. Systems has not provided any supporting documentation to prove its validity. 

On XXXX, I sent my XXXX and final letters to XXXX XXXX I.C. Systems, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. I.C. Systems has continued to report the debt XXXX more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that I.C. Systems ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. 

I am seeking resolution in the form of a cease reporting, where I.C. Systems immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on I.C. Systems, amounting to {$1000.00} for each day the unverified debt remains on my consumer report.

Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Email : XXXX XXXX