23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against IC System , Inc. regarding their handling of an alleged debt, which I believe involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Issues : 1. Inaccurate Reporting and Lack of Debt Validation : The original creditor has written off the debt and, as per IRS regulations, should have issued a Form 1099-C for the canceled amount.

IC System , Inc. has reported this debt to credit bureaus with inconsistent amounts that do not match the original agreement. 
Despite my written requests, IC System XXXX XXXX has failed to provide validation of the debt, including a copy of any signed agreement or contract.

2. Unlawful Communication Practices : IC System , Inc. has contacted me before XXXX XXXXXXXX. and after XXXX XXXX, violating FDCPA guidelines. 
They have continued communications via email without my consent, despite my written request for them to cease all communications, as stipulated in 12 CFR 1006.6 ( c ).

Violations : FCRA Violations : Reporting inaccurate and inconsistent information to credit bureaus.

Failing to correct inaccuracies after being notified. 
FDCPA Violations : Communicating at prohibited times.

Continuing communication after a written cease request.

Failing to provide proper debt validation upon request.
Product: Debt collection

i visited hospital on XXXX/XXXX/2015 and at the time had a XXXX XXXX of California. now one year later i have receive a bill from colection name ARstrat for XXXX
Product: Credit reporting or other personal consumer reports

I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to Experian XXXX XXXX XXXX and XXXX XXXX but the complaint will only let me upload one letter but they all got a letter like the attached letter
Product: Credit reporting or other personal consumer reports

Fortiva is reporting me late in XXXX on credit report. Payment was made for XXXX, XXXX and XXXX XXXX statement just came out XX/XX/XXXX, payment due XXXX, paid on XX/XX/XXXX. Need credit report corrected and put back to not late and pays as agreed.
Product: Credit reporting or other personal consumer reports

I'm really disappointed because i can't believe that companies can just put accounts on my credit report that do not belong to me. I am really overwhelmed because these account are not mine. I have a busy life and I really haven't had the chance to view my credit report like should but when I am getting declined for credit because someone else 's accounts are reporting on my credit report. Not to mention, I have asked these company 's for over a year to send my proof that the accounts that they are reporting belongs to me and I still haven't receive this evidence. I am reaching out to you so that you can assist me. These company 's are taking advantage of people like me. I have asked for proof and nothing has been done. How can these companies not respond to my request and this be legal. I would like these accounts removed from my credit asap. 

Accounts that are not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Services Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation Experian took more than 30 days, were disputed on XX/XX/18 until now I did not receive any document back from them.
Product: Prepaid card

I have not been able to access my accounts since XXXX XXXX, 2015. I call Rushcard 's customer service line and not only is the wait over two hours but once you reach a representative, they hang up on you. I spoke to the representative on XXXX XXXX. I was told that since I can not transfer money from XXXX account to the other, I can request new replacement cards. Not only ca n't I access my money but I was told that I will be charged {$34.00} per card. I was promised that my cards will be delivered to me no later than Monday, XXXX XXXX ( XXXX delivery ). I contacted Fed-Ex and there is no record of any package being sent to me. Not only did Rushcard lie about sending me new cards so that I can access my money but they also lied about sending it via FedEx after I was on the phone with different supervisors for three hours. My cell phone got disconnected, my lights got shutoff and I have had to resort to friends and family for help with gas and groceries for me and my XXXX daughters. This has created an enormous financial hardship. I was not able to pay for my daughters ' childcare s I have missed days of work. Not only am I unable to access my money but I 'm losing money in the process. Something needs to be done against Rushcard and I am looking into filing a lawsuit for my pain and suffering! Please help! I am a single mother who works XXXX jobs to make ends meet and that is still not enough. Someone needs to give me answers since Rushcard continues to hang up on me after hours of being on hold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. This accounts have been marked as inaccurate.
Product: Credit card or prepaid card

There is an ongoing problem with both my identity and finances.This third party has been interfering with my financial business and causing me financial losses : This point is echoed via a transaction for {$99.00} on XX/XX/22. On the exact same day, I specifically and explicitly spoke with a woman by the name of XXXX XXXX in the XXXX, FL branch who told me the charge was investigated by a third party. As it turns out XXXX statement was a lie, no investigation was performed. I spoke with XXXX again about the charge on XX/XX/22 and she submitted some form on that day but then goes on to say that investigations do not work that way. THERE APPEARS TO BE A SERIOUS PROBLEM WITH FRAUD ORIGINATING OUT OF THIS BRANCH. THERE IS A SERIOUS PROBLEM WITH ANYONE THERE WHO CAN SPEAK PROFICIENT ENGLISH WHICH THEY USE AS AN EXCUSE TO IMPROPERLY HANDLE ISSUES OR NOT HANDLE THEM AT ALL. THEY DO NOT COMPLY WITH FEDERAL LAW WITH RESPECT TO HANDLING DISPUTES AND PROVISIONAL CREDITS, THERE APPEARS TO BE A VERY SEEDY CRIMINAL ELEMENT INVOLVED WITH BANK AND THE HANDLING OF TRANSACTIONS. THIS ISSUE WARRANTS A CIVIL AND LIKELY A CRIMINAL PROBE. THERE IS A VERY SERIOUS PROBLEM WITH THE MANAGEMENT OF FDIC INSURED ACCOUNTS AT THIS BANK.
Product: Checking or savings account

Wells Fargo is refusing to work with our bank XX/XX/XXXX XXXX and cooperate with a ongoing investigation were fraud was committed against myself and my husband on XX/XX/2020 I closed out are Wells Fargo accounts on XX/XX/2020 someone called my husband phone number stating they were a Wells Fargo employee they new are account number and said they needed to process a payment for our time share my husband had forgotten I closed the accounts on XX/XX/2020 my husband made out a check payable to Wells Fargo with our account to be deposited to our account, but it was closed someone deposited that check into there Wells Fargo account Wells Fargo authorized the transaction knowing are account was closed my bankXX/XX/XXXXtold us to take documents to Wells Fargo to be notarized for a fraud case the branch manager XXXX XXXX @ the XXXX location refused to help us
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, the accounts listed below have violated my rights. I have reached out to each credit reporting agencies multiple times and now my credit report show serveral inaccuracies. The following account show different report dates which is an inaccuracy that is hindering my credit profile. 

XXXX XXXX XXXX acct number : XXXX 15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 ( A ) ( 4 ) States that : There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and respect for the consumers right to privacy 15 U.S.C 1681i ( 2 ) ( A ) States that : Before the expiration of the 5-business-day period beginning on the date which a consumer report agency recieves notice af an dispute from any consumer, the reporting agency must provide a relevant noticed at the listed address regarding the dispute process.

All of the following rights have be violated and might I humbly add, as a natural humans person this has been the most frustrating process yet. I am exercising my last option before a take further legal displinary actions. It is with great hope that you all will insure the dudilgence of each credit reporting agency is carried out. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act BMW FIN SVC XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly s that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Debt collection

I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help
Product: Credit card or prepaid card

XX/XX/XXXX Office of The President at CitiBank Visa Subject : CitiBank Visa mobile app cost card holder Our CitiBank Visa credit card account was closed by CitiBank in XX/XX/XXXX due to an issue stemming from the use of the Citibank mobile application. I downloaded Citis mobile app on my smartphone to make payments when not on my home computer. Previously my payments were made through my bank account online bill pay. The Citibank app required that I use a login and password for the account to make payments and the savings and checking are both on the same login and password. Unknowingly, I had made a payment and this payment was rejected for NSF, but I had the funds in my checking. However, I was told I did not have draft protection on the savings but on the checking only. The first time this NSF incident happened I was out of the country without sufficient Wifi to catch the error. I incurred penalty charges from my bank and Citibank, but the payment was still made on time. 
After speaking with my bank, I got a new account number to input in the application but wasnt sure how to input it. I now realized that the app has an area to input the corrected or a different account number. Before I put the correct number in the app, I made a payment that went through before I corrected it. The payment was still on time. This realization happened after the last incident and I called and explained this to Citibank and the charges were debit to my accounts. 
We are asking City Bank to re-open our Visa credit card account because this was an honest mistake in using the mobile application. We obtained our cards through Costco who partnered with Citibank after they dropped XXXX XXXX. My husband and I have been customers in excellent standing with both companies for more than 12 years. We feel it is unfair to hold back our rewards earned for the XXXX billing cycle. We are requesting that you consider reinstating the XXXX billing statement with the full amount of our rewards we earned for XXXX. We look forward to hopefully doing business with you once again. 
Thank you,
Product: Mortgage

13 months of covid -pandemic related forbearance. I was given XXXX funds assistance with an approval that was sent to DMI. The payment to my account # XXXX was made by XXXX XXXX sent via ACH which DMI continues to state they Have not received. I have received XXXX confirmations from XXXX all which were sent to DMI and my loss mitigation rep. It's been 34 days since the payment was sent to DMI, mortgage servicer. 

Date : XX/XX/2022 Amount {$62000.00} Account # XXXX XXXX Routing # : XXXX Address : Dovenmeuhle Mortgage Inc Payment Clearing Account Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX indicated the payment included the following Reference : XXXX XXXX XXXX XXXX I need to know why DMI is lying and indicating they have not received this payment. It would be different if they indicated they have the payment and they will process it in X amount of days, but this is not what they are telling me. Confirmations of " no payment '' are done via email.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting late payments on XXXX student loans and they are in deferment
Product: Debt collection

I have been behind on payments on a line of credit from Synchrony Bank for SAMS CLUB ; and have been harassed daily by this bank on an average of XXXX or more calls per day for well over one month. I can not pay the bill as of today, but will be able to make some payment within the next 30 days. 

I am simply tired of being harassed by the repeated phone calls and I refuse to answer them. This financial institution is more than capable of contacting me by letter as/if needed. 

I am well aware of the need and obligation for a consumer of financial services to pay one 's balance due on an outstanding credit line, however the actual amount due on the credit line is under {$1000.00} and does not in a reasonable person 's view require Synchrony Bank to call me XXXX times daily. The bank can send me a letter and I can pay the balance off over time. The credit line is currently suspended and I am not able to use it at this time. I will not, however, respond to the harassing phone calls until this method of attempted debt collection ceases as it is unreasonable for such a small amount of debt. 
. 
I strongly believe that I am being harassed by this financial institution and I want the harassment to stop. 

I am willing to pay as much as possible on the outstanding balance as soon as I receive my next paycheck, but will no longer respond by phone to Synchrony Bank. I am sick and tired of being harassed by the bank. 

I have had several issues of debt with other creditors that I have successfully addressed in the last five months, and will do so with Synchrony, regardless of their harassment of me. But I simply will not tolerate XXXX calls a day. It is ridiculous even if it is after XXXX and before XXXX. The debt will be paid, but I 'm done with the harassment.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I awoke to being locked out my cash app account. I immediately called and customer service found my account was hacked and had to make me a new account in order to get into old account. Emails, phone numbers, and XXXX XXXX were changed or deleted! Upon getting back in account I noticed XXXX unauthorized transactions which customer service noted and said would send to proper department to investigate. Couple days later I receive email saying Indidnor authorized such transactions! This company has discriminated against me from the start and never has sided with me on other disputes or issues. It is clear as day my account was hacked, all transactions happened within XXXX minutes of each other at XXXX, my XXXX  was even changed! This company allows fraudulent transactions to go with no penalty constantly! Something needs to be done immediately as this is absolutely unacceptable! I want my money back it is almost XXXX XXXX dollars! This is not a small amount of money and there is no way they cant tell it did not come from me or my devices!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting three accounts with 30 day late comments. All my accounts are paid through auto bank draft before the due dates. I have thousands of payments all made on time because I use this method of paying my bills. I requested they correct these accounts to be marked " paid as agreed '' never late but they have not corrected the issue. 

XXXX XXXX XXXX shows a XX/XX/XXXX 30 days late XXXX XXXX*** shows a XX/XX/XXXX 30 day late and XXXX/ XXXX  shows a XX/XX/XXXX 30 days late. 

All these accounts were paid on time like everything else on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/2017 about being a Victim of Inquiry Issue I spoke with customer service representative XXXX XXXX about these inquiries he was giving me an hard time telling me that I have to write the creditors for an deletions letter for removal when I did not authorization creditors in the 1st place this is not the 1st time Transunion don't won't to do their job! I am asking for them to remove all of my hard inquiries and there are about 60 to 70 hard inquiries on my credit right now ... I need help ASAP PLEASES
Product: Debt collection

Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check. 
He would be served if we did n't pay the {$1300.00} dollars.
Product: Credit card

My credit card account was overpaid, and the surplus amount was supposed to be refunded to me via check. However, the company has been sending the check to the wrong address. I live in XXXX, but they are mistakenly sending it to an address in XXXX, XXXX. I have been raising this concern since last XXXX, but despite my efforts to correct it, they have repeated the same mistake again.
Product: Debt collection

Representatives saying that they are from Tower Loan at XXXX have called me repeatedly, saying that I have outstanding debt with them. They ask for someone with my name but apparently a different address. When I tell them that they have the wrong person, they insist that they have the right number and ask me for personal information like my wifes name. I have asked them several times to check the number and stop calling me, but they become insistent. Most recently called at approximately XXXX XXXX on XX/XX/year>. I need them to correct their information, stop calling me and prevent them from taking any further action which may damage my credit profile or financial security.
Product: Credit card or prepaid card

This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send