23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like for these company to properly reinvestigate and remove the following : XXXX XXXX XXXX. 
This was properly reinvestigated by XXXX and removed from my report with them. I have contacted Equifax and XXXX credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction.
Product: Debt collection

Received a robocall on XX/XX/2019, asking me to press " 1 '' to get information about a debt I owed. I was connected to XXXX XXXX, who identified the company as " XXXX XXXX XXXX XXXX at ( XXXX XXXX XXXX ). Claimed to represent MBNA, and that MBNA had been trying to contact me. I do have a debt disputed that originated at MBNA, but has long since been sold and resold over the years to various collection agencies. After I confronted him of this fact, he confirmed that in fact MBNA did not own the account. When I asked for his company 's address, he hung up on me. Multiple attempts to call back the company and get their address -- specifically to dispute the debt and ask for verification, resulted in them continuing to hang up on me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inquiries from your company that I dont recognize or remember authorizing. This is really XXXX  me out because its hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian that I am a victim of identity theft and their response is " The company needs authorization from you to proceed with your complaint. 
. The company has let us know that it needs authorization from you to proceed ''. 

I have given authorization and supplied all documentation to support my claim. I XXXX XXXX give Experian my authorization to proceed with my claim of identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the alleged debt in the amount of {$1700.00} which your agency, Transworld Systems Inc. , claims I owe to XXXX. Upon receipt of your collection notice dated [ received XX/XX/XXXX but dated XXXX XXXX ], I immediately began investigating the matter and have found discrepancies that need urgent resolution. 

I request that you provide me with all pertinent documentation and evidence that substantiates the validity of this debt, including but not limited to : XXXX. Copies of the original contract or agreement signed by me, establishing the purported debt with XXXX 
XXXX. Itemized statements detailing the charges allegedly incurred. 
XXXX. Proof of ownership or assignment of the debt to Transworld Systems Inc. 
XXXX. Verification of the statute of limitations for collecting this debt in my state.

5. Any communication records or logs related to this debt, including calls made, letters sent, or emails exchanged. 

In addition, I require validation of the violation codes associated with this alleged debt, as per the Fair Debt Collection Practices Act ( FDCPA ), to ensure compliance with legal requirements. 

If you are unable to provide the requested documentation within XXXX from the date of this letter, I demand that you cease all collection efforts and remove any negative reporting from my credit file. Failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

Furthermore, in accordance with the FDCPA, I am formally requesting that all communication from Transworld Systems IncXXXX regarding this debt cease immediately. Please consider this letter as a formal request for a cease and desist on all collection activities until such time as the requested documentation is provided and validated. 

Please be advised that all future correspondence regarding this matter should be in writing and sent to the address listed above. Any attempts to contact me by phone or other means will be considered a violation of my rights under the FDCPA. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution. 

Sincerely, XXXX
Product: Debt collection

Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ). This letter is being sent to Jefferson Capital Systems in response to a listing on my credit report. The listing states that I opened an account on XX/XX/2019 and have a balance of {$830.00}. 

THIS IS COMPLETELY FALSE. I NEVER OPENED AN ACCOUNT WITH ANYONE IN 2019. I DO NOT OWE THIS DEBT. THIS DEBT IS NOT MINE. THIS DEBT HAS NO RELATION TO ME AND I NEVER TOOK OUT ANY CREDIT IN RELATION TO THIS PURPORTED DEBT. 

There is NO contract or other instrument bearing my signature, and therefore Jefferson Capital Systems is attempting to collect a debt for which they have no account level documentation showing I owe it. Because there is no proof of such, and I do not owe this debt, I demand immediately for Jefferson Capital Systems to correct the erroneous reports of this past debt as mine. I ask Jefferson Capital Systems to provide the following information to me and the CFPB : Please show evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please show evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and ID to assure youre after the correct consumer.

Please provide a complete account history, including any charges added for collection activity.

Jefferson Capital Systems failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of their claims in this matter, and will entitle me to presume that Jefferson Capital Systems placed this on my credit report ( s ) in error and that this matter is permanently closed. There is no proof, because none exists! Correct the record and remove this invalid debt from all sources to which you have reported it. I am under contract to purchase a home and this invalid, incorrect, and erroneous listing is preventing me from moving forward in building my dream home. It is causing me distress both emotionally and physically.
Product: Mortgage

I have mortgage with Nationstar mortgage and I applied for a loan modification. Nationstar denied my modification. However in the letter it stated that I have a right to access the documents relied upon in this investigation ... I made the request but was denied. I was not reviewed for HAMP
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Equifax, XXXX XXXX, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Debt collection

I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.
Product: Credit card

Did NOT sign up for paperless billing Did Not receive a bill until I requested one after threat of collections Have sent 2 months late payment and interest after I was made aware of bill and late billing Account is closed and paid in full Company needs to stop billing me late charges and interest -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, XXXX and Experian I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX ). As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX-XX/XX/XXXX ( attached statement ). The statement for XXXX.-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Product: Mortgage

Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.
Product: Debt collection

On XX/XX/XXXX, I sent a letter via Certified Mail to Regional Acceptance Corporation regarding the account currently showing on my credit report. A copy of the letter is enclosed, stating my request for, among other things, the following : - Provide me copies of any papers that show I agreed to pay what you say I owe - Prove the Statute of Limitations has not expired on this account - Show me that Regional Acceptance is licensed to collected in my state On XX/XX/XXXX, Regional Acceptance sent me a letter advising they could not find an account for me with the information I provided. 

On XX/XX/XXXX, I again sent Regional Acceptance Corporation a letter requesting the same information I requested in my XX/XX/XXXX letter. 

On XX/XX/XXXX, Regional Acceptance sent me a letter, in which the only information Regional Acceptance provided is a payment history on the account. There is no paperwork showing I agree to pay any amount they say I owe. There is nothing showing the Statute of Limitations is still in effect ( In fact, the statute of Limitations in the State of Indiana has expired. It is 6 years. According to the documents sent by Regional Acceptance, this debt is 9 years old. ). There is nothing showing Regional Acceptance is authorized to collect in the state of Indiana. Furthermore, the address ( highlighted, XXXX XXXX XXXX XXXX XXXX is a different address than my address XXXX XXXX XXXX XXXX XXXX. 

As of the date of this complaint, the unverified item listed below remains on my XXXX  credit report in violation of Federal Law. XXXXXXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that Regional Acceptance verified that this item is being reported correctly. 

Yet, even after multiple requests, Neither XXXX nor Regional Acceptance has provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I sent all documentation to XXXX via Certified Mail on XX/XX/XXXX, and demanded the account be removed from my credit report. Today, the account remains. Regional Acceptance and XXXX are in violation of the FCRA and the FDCPA, and thus the account must removed from my report, or I am entitled to sue for {$1000.00} under the FCRA. 

Today, I tried to contact XXXX regarding this account. I could not get through to speak to a human.
Product: Credit reporting or other personal consumer reports

I have been repeatedly asked Teletrack ( an Equifax company ) to place a security freeze on the file it maintains about me. 
Teletrack- ( an Equifax company ) has repeatedly refused to place a security freeze on the file it maintains about me. 
Teletrack- ( an Equifax company ) continuously violated my consumers ' right to the freeze of my file causing me ( a senior citizen ) XXXX XXXX XXXX financial injury. 
Instead Teletrack ( an Equifax company ) keeps sending me repeated requests to sign the below - Even though I have send them all documents they asked for. 

Teletrack ( an Equifax company ) check this box : " By checking this box, I understand that I am requesting that Teletrack, an Equifax company ( Teletrack ) place a security freeze on the file it maintains about me. By doing so, I that ( i ) Teletrack can not freeze my file if it can not authenticate my identity using the information Iprovide ; ( ii ) under applicable law, certain users may still be allowed to access my credit file even when a freeze is in place, such as my existing creditors ; ( iii ) that if I submit an application with a new creditor, or other user, the user may not be permitted to access my consumer file unless I grant Teletrack permission to share a report ( by lifting the freeze for a period of time, or for a particular creditor, or by permanently removing the freeze ) ; ( iv ) that Teletrack resells consumer report information from other consumer reporting agencies, which may include, but may not be limited to, one or more of the three nationwide consumer reporting agencies ( Equifax, XXXX, and XXXX ), and even if I have placed a freeze on my Teletrack file, Teletrack may still resell another consumer reporting agencys report if I have not frozen my file with the other consumer reporting agency ; and ( v ) that it will be my responsibility to comply with Teletracks process regarding lifting or removing a freeze '' Due to the sensitivity of the documents I can not download her but I can submit them though secure channels of communication upon request
Product: Checking or savings account

I opened a Citibank Checking Account where I would receive XXXX American XXXX XXXX if I did the following : 1 ) Open a new consumer Checking Account between XX/XX/XXXX and XX/XX/XXXX. 
2 ) Qualifying Citibank Debit or ATM Card Purchases of {$1000.00} 3 ) And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more I completed these on XX/XX/XXXX. I then chatted with customer service on XX/XX/XXXX, and they confirmed I would receive my XXXX American XXXX miles to my account ( XXXX ) 30 days after I completed the necessary steps. It's been over 30 days and I the miles are not in my XXXX account. See attached for more information.
Product: Checking or savings account

I deposited a security deposit refund check from my previous landlord on XX/XX/2023 named to everyone on the lease. The check was for {$4300.00}. Everyone signed the check but my checking account was frozen and later closed without the funds being released to me. If I hadnt called Chase would not have informed me they needed to verify the other names on the check. However, they could only verify them using their system and no one came up in their system not even the apartment complex that wrote us the check. According to Chase we could not all come to a branch with the check and multiple forms of ID to prove it was us who the check was made out to. The funds are now suspended and Chase says they cant do anything to release those funds to me since they were never verified. This has caused emotional and financial strain on everyone named on the check. We have exhausted every other possibility to get those funds. I have called Chase multiple times, my previous landlord, and the issuing bank, XXXX XXXX XXXX, to resolve this issue but they all say it is out of their hands.
Product: Mortgage

Quicken Loans approved my loan on XXXX XXXX, 2017 and the process has put me and my family in a catastrophic position. The process went on in excess of 120 days, during which time there were request for the same information ; 3 requests for Transcript for Tax Return, 3 Re-disclosure packages,4 requests for information on the same debt. My loan balance was {$77000.00} and the property was appraised at {$160000.00} by Quicken. Although I was advised the average period to close a loan was 25-30 days my wife and I continued to be asked to provide payoff information on 4 debts included in the refinance. After 90 days of the loan process, I was garnished for one debt to be included in the refinance leaving me unable to make the {$1900.00} mortgage payment which caused my credit score to fall below XXXX 's acceptance. Quicken refunded the {$500.00} fee they charged, however the promises of a reduced mortgage of {$900.00} per month and {$15000.00} cash back have cost me over {$29000.00} in losses in the first year. Their inefficiency has me behind on my mortgage, garnishment costing me {$800.00} per month and a total lack of faith in any organization Quicken is involved with
Product: Money transfer, virtual currency, or money service

I deposited a check from my husband on Friday the XXXX of XXXX and it has not cleared since. My husband got a message on Thursday the XXXX to verify that he had indeed written the check- which he confirmed on the phone to the Bank of America agent. Yet the funds are not available. I called Bank of America again and they said it is ok hold as they are not sure it will clear. My husband called his XXXX XXXX  and they confirmed it was cleared on XXXX XXXX itself. 
Our money is lost between the XXXX banks with no one saying when it will be either returned to XXXX  or deposited in Bank of America
Product: Money transfer, virtual currency, or money service

I was a victim of a romance scam Stated his name is XXXX XXXX. He kept stating he kept having a series of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called XXXX. We exchanged emails, texts and calls. Stated he lives in XXXX NJ and was an international interior designer. Sent me what he claims is his passport with his picture. Eventually he claims to have gone to XXXX to care for his dying mom, who eventually died, with his son. His wallet got stolen and had no money, needed money for food, medical bills and funeral then for airfare. He claimed Doctor named XXXX XXXX took his kid to XXXX. Needed money for son. I am still in contact with him superficially. Now he states he is in XXXX and wants me to send money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through XXXX, He has also asked me to send money to people including a XXXX XXXX in LA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas and through Western Union XXXX XXXX Texas. Phone numbers he has used : XXXX, XXXX and is currently using : XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

DATE : XX/XX/2018 @ XXXX XXXX XXXX XXXX LEFT A VOICEMAIL ON MY WORK PHONE STATING THERE ARE TWO CHARGES PENDING AGAINST ME AND THEY WILL CONTACT MY HR DEPARTMENT.

ACTION TO GARNISH MY WAGES COMPANY IS WILLING TO MAKE ARRANGEMENTS IF I CONTACT THEM TODAY
Product: Checking or savings account

Before making a transaction I checked my online account access to ensure that there were no pending charges and that they previous transactions had posted which it showed online that they did. When I checked back the next day several fees had been charged saying the account was overdrafted when it was not. I called the bank and even walked them through what their own system shows me on my online account access and they still have refused to credit me the funds back. When you take away the fees they charged the account would be in positive but the bank says " well how we account for things it was overdrafted '' even when the statement provided to me online contradicts what they say. SunTrust is the only bank I have ever had an issue with and am in the process of closing my account and moving to my other bank. They have done this several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : XXXX reports " not more than two payments past due '', TransUnion reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : XXXX reports " 60 days past due '', TransUnion reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for TransUnion, which is last updated in XX/XX/XXXX, while XXXX and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.
Product: Debt collection

i talk to XXXX from Southern Credit Recovery , INC on XX/XX/2020 about the settling the debt and i paid it with a money order and she never reach out to all the bureaus to delete it from my records, it has been delete it from XXXX  but not the rest of them and i have a letter showing i made contact with her
Product: Mortgage

I reached out to citibank with my inability to pay due to lost of income and XXXX. I was assigned a home specialist every time I called I would be on the phone for over 1 hour and no one knew what they was doing. Now I was assigned a new home specialist XXXX he stays in touch however I am be asked to supply the same documentation over and over again. I think citibank process is to discourage consumer to not to help them. My processhas been going on for 2 months with no assistance in site.