23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> [ Your Name ] National Credit Systems XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear National Credit Systems, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter.

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 
Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Several years ago my mom and I took the money my son had received in bonds and checks from relatives to JPMorgan Chase to open an account for him. The bank representative told us we were opening up a regular savings account for a minor. It turns out he in fact opened a custodian account in my son 's name with my mom as custodian. None of this was disclosed to us. This would be ok but we discovered this when we received a notice that the account would suddenly start being charged {$25.00} fee per month. I went to change the account to avoid the monthly fee and was told it is a custodian account in my mom 's name. My mom XXXX XXXX  XX/XX/2021. I was given the run around with her death certificate, trust, etc. I started this inquiry to resolve the matter in XXXX ( fees started in XXXX ) and now am told I can only go to court to open a probate matter to get another custodian appointed. I have asked if I leave the funds in until he is XXXX XXXX XXXX, but they stop the fee, I would be ok with that reoslution. But they said they can't help me. Instead, they will continue assessing a $ XXXX fee and by the time my son is XXXX there will be no funds left. We never knew this would be a custodian account, they defrauded us probably to get some sort of reward or hit a metric as a bank representative. And now they have suddenly added a fee to the account. And we can do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presenting as a fact to others. I can not get a house for my family because of the lies on my credit report. I will be XXXX  if this isn't fixed asap Delete these lies on my credit report
Product: Debt collection

On XX/XX/2024 I sent a letter via certified mail to XXXX XXXX And Out to verify the alleged debt they claim I owe. In response they sent me a copy of an online lease that was used on docu-sign. This didn't validate the debt is mine. So on XX/XX/2024 I sent a second letter to this company requesting full details and documentations to verify this debt. They failed to send the required documentation I've been asking for several times. This company keeps giving me the run around and sending me the same information, which does not prove this debt is mine. I have no knowledge of this account this is false information that is being reported by this company. I have had my identity appear on the dark web ( my drivers license and social security card ) this debt could be fraudulent. The company then asked me to provide proof of my residency during time in question and my ID, yet they have failed to send me proof of a copy of my ID and or driver license that was used to rent this apartment in question. I am demanding the list I sent to them to verify proof of this debt. They did not send me everything I asked for on the lit including my Identity. I will not be sending any copies of my Identity to an unknown debt collector from an alleged debt thats not mine as well as billing statements. Ill first need the COMPLETE list of all the items I requested sent to me so I can file a new police report showing the persons ID that was used to obtain this apartment.
Product: Student loan

My bills are only mailed every other month giving me consecutive " past due '' fees when I have never once signed up for paperless billing. I have spoken with representatives about this several times explaining I can only receive hard copy bills in the mail, because their online statements go directly into my spam folder. About once a year, they automatically switch me to online billing without my consent as well and refuse to cover my late fees.
Product: Debt collection

After they called a few times I googled the number and it appears to be some sort of debt collector. They will not say why they 're calling and ask for personal information without explaining why. If I do n't answer they do n't leave a message. I have not received anything in writing about any debts owed, so if they are indeed debt collectors they either have the wrong number or have failed to inform me of what the debt is.
Product: Credit card or prepaid card

I pick this All Inclusive Resort called XXXX XXXX XXXX in XXXX XXXX I showed up Check in went to the room the room wasn't the room I requested to be facing the Beach it was a room facing the Pool it was Dirty Blood on the Sheets mini refrigerator was empty I went to Front Desk to Complain all of a sudden no one spoke XXXX but they spoke XXXX when I was Checking in plus it was a Holiday XX/XX/XXXX a family member came to see me they chased him off the Property for not having some Bracelet but he was only coming to see me not stay I went to the Buffet on the Property same day to eat as I was Biting into the Bread I noticed something XXXX in my Bread it was a Mosquito bake into the Bread I threw up went back to the front desk to complain still everyone was acting like they spoke no XXXX so I had my family member pick me up to go stay somewhere else because I was getting no where with the Resort or XXXX so I Disputed it with Capitalone but they telling me that they can't do anything about it I didn't even spend one night at this Resort because of the Conditions no one should have to go through on Vacation I want my Money back {$710.00} it was Completely Horrible with the worst customer service never again very Nasty
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inability to obtain my consumer report from XXXX, XXXX, TransUnion. On XX/XX/year>, I requested a copy of my consumer report and was informed that additional documentation was required to verify my identity. 

I promptly submitted the requested documents, including my Drivers License and Utility bills, as instructed by Transunion, XXXX, And XXXX. Despite complying with their verification process, I have yet to receive my consumer report. 

I made several follow-up attempts to inquire about the status of my request, but I either received no response or was given unsatisfactory information regarding the delay. This failure to provide my consumer report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB take immediate action to ensure that Transunion, XXXX, And XXXX provides my consumer report without further delay and that they address any procedural deficiencies in their identity verification and report issuance processes. 

Thank you for your attention to this matter.
Product: Debt collection

I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from Aldous and Associates, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.
Product: Debt collection

after checking my credit report on credit karma on XX/XX/XXXX an amount of {$2700.00} was placed on all 3 credit reports from Harvard collection on XX/XX/XXXX regarding an overpayment of benefits from the Illinois Department of Human Services. I contacted Harvard collection agency to dispute the collect. I was told that it was an overpayment of benefits from XX/XX/XXXX to XX/XX/XXXX. I was a single mom of 3 and any benefits obtained were in compliance with the departments rules and guidelines existing at the time of issuance. In the past 30+ years I have never received any documentation or court orders signed by a judge regarding this matter. What applicable statutes are they working under. I have contacted an attorney regarding this collection. The attorney contacted Harvard collection and has sent an appeal to them on XX/XX/XXXX. In return I have received via mail a document starting Hearing Scheduled Letter for XX/XX/XXXX @ XXXX via phone call. There is no court order just an appeal number listed that my attorney has responded to. This is the first time I have ever heard of this collection. Why now why this moment 30+ years later.
Product: Credit reporting

I sent a letter to transunion saying that the company collection XXXX has not verified or validated my debt. So I sent a letter Transunion to remove coll recv sv tradelines. Transunion has declined to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy 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.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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 : Accounts XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately.
Product: Mortgage

Bank of America 's representatives I have dealt with so far tried not to be professional, therefore I am demanding to get in touch with a senior officer of the organization, please.
Product: Credit reporting or other personal consumer reports

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  {$990.00} XX/XX/XXXXXXXX  Collections : XXXX  {$1100.00} XXXX XXXX XXXX 
Please delete these accounts from my reports.
Product: Credit card or prepaid card

I tried to use my card at multiple locations. It did not work at the last 2 : at XXXX XXXX  and another location. My card has rewards if I use it at an XXXX location or a participating restaurant so I am missing out on my rewards and have to use other cards. Amex has not solved my problem or even tried. I want them to credit me for the rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose. XXXX XXXX XXXX
Product: Checking or savings account

Approximately two weeks ago, the balance in my Total Checking Account temporarily fell below {$1500.00} to around {$1400.00}. Within two days, I had replenished the account such that the average daily balance was still well above the {$1500.00} limit. To my horror, despite a global pandemic and severe financial distress around the world, Chase still charged me a {$12.00} service fee. I want that fee refunded.
Product: Credit card or prepaid card

I was receiving offers from Amex ( physical snail mail and tons of email offers ) to sign up for a pay over time feature on my card, and receive XXXX membership rewards points. I signed up around the end of XXXX, and received my confirmation email that I was enrolled on XX/XX/XXXX. In the offer, it said the points would be deposited within 8 to 12 weeks. I web chatted with Amex 3 times, when it seemed the points were taking a while to arrive. Once was either 5 or 6 weeks ago, the other time was 3 or 4 weeks ago, and the other time was today. The first chat, they said they would escalate the issue to be investigated. The second time, the associate said they could see the previous chat history and that the issue had been escalated to investigation, but there was no outcome yet. 

Today I got on to do the web chat and was told that the investigation was concluded and that it was denied because there was no such offer on my account. I was never notified of the outcome of this investigation till I asked by myself, today. I received physical advertisements in the mail for this offer, and still have the emails in my inbox. Why I am being told there is no such offer on my account is unclear to me.
Product: Mortgage

Mr. Cooper sent a payment to the town of XXXX, Maine in the amount of {$930.00} from my escrow account on XX/XX/19. The amount due for my taxes in XXXX was {$270.00}. I discovered the error when I got a certified letter from the town of XXXX indicating that my taxes had not been paid. When I called Mr. Cooper, we discovered that Mr. Cooper had paid MY BROTHER 'S TAXES from my account. I spoke with the town of XXXX, the sent a check back to XXXX/Mr. Cooper which was cashed on XX/XX/19. To this date, I am still missing the {$930.00} from my account and my taxes HAVE NOT been paid to the town of XXXX. I have called and spoke with several managers, the escalation team, etc. All of whom say that this is a process and my refund will not come overnight. I did not send the monies incorrectly, therefore, these funds should be in my escrow account and my taxes should be paid. We are now in XXXX and this still is not resolved. The refund was received in XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my SYNCB/PPC account ending in XXXX. I have been disputing these inaccuracies for over five months with SYNCB/PPC and the credit reporting agencies, yet no corrective action has been taken. These errors are severely damaging my XXXX XXXX and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are listed as XXXX and XXXX  which are future dates and therefore impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account shows a {$0.00} balance and indicates a settlement was accepted and paid in full for less than the full balance. Despite this, the account is still reported as a Collection/Chargeoff, which is misleading and inconsistent.

Contradictory Payment History : The payment history inaccurately reflects delinquencies, including 30, 60, and 90 days past due, even though the balance is {$0.00} and the account was settled. 
Failure to Correct Disputed Information : Despite multiple disputes, SYNCB/PPC has failed to correct these errors within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure constitutes a violation of my right to fair and accurate credit reporting.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
SYNCB/PPCs failure to correct these inaccuracies is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals such as purchasing a home for my family.
Product: Mortgage

******Firstly your app only allowed me to enter XXXX loan number however I am addressing XXXX separate accounts here that are experiencing the same issue of my payments unaccounted for and you asked that I do not enter any account numbers in the body of my complaint please contact me for the second account numberXXXX Due to some hardship which and to insure I was able to manage the monthly payments on the XXXX accounts being serviced I broke my payments up into XXXX weekly payments The first accounts monthly amount of {$2300.00} for XX/XX/XXXX was being paid a bit late but indeed paid to include any late fees. These payments were sent electronically via my XXXX XXXX banking bill pay. 
XX/XX/XXXX {$600.00} successfully received and applied as unapplied payment. 
XX/XX/XXXX {$600.00} successfully received and applied as unapplied payment. 
XX/XX/XXXX {$600.00} PAYMENT IN QUESTION THAT WAS NOT APPIED ANYWHERE AND WHEN CHALLENGED THE SERVICER CLAIMS THEY HAVE NO RECORD OF RECEIVING IT ALTHOUGH XXXX XXXX PRESENTED ME WITH THE EVIDENCE THAT THEY RECEIVED IT AND THIS EVIDENCE WAS SUBMITTED TO SHELLPOINT BY ME UPON OPENING THE CLAIM ON XX/XX/XXXX. 
XX/XX/XXXX assuming that the {$600.00} missing payment of XXXX be located and applied on this day while on the phone opening said claim re the missing payment I proceeded to complete the mortgage payment for {$550.00} conf # XXXX however more problems began to persist when XXXX. Until this day the payment was never drafted from my checking account yet it shows as a credit on this account. 

Then Second mortgage account in question has a monthly amount due of {$2500.00} XX/XX/XXXX {$630.00} pd and successfully applied as unapplied payment. 
XX/XX/XXXX {$630.00} pd and successfully applied as unapplied payment. 
XX/XX/XXXX {$630.00} pd. THIS PAYMENT ALSO IN QUESTION THAT WAS NOT APPLIED ANYWHERE AND WHEN CHALLENGED THE SERVICER CLAIMS THEY HAVE NO RECORD OF RECEIVING IT ALTHOUGH XXXX XXXX PRESENTED ME WITH THE EVIDENCE THAT THEY RECEIVED IT AND THIS EVIDENCE WAS SUBMITTED TO SHELLPOINT BY ME UPON OPENING THE CLAIM ON XX/XX/XXXX XX/XX/XXXX assuming that the XX/XX/XXXX missing payment of {$630.00} would be located and applied on this day while on the phone opening said claim re the missing payment I proceeded to complete the mortgage payment for {$630.00} conf # XXXX however more problems began to persist when this payment was applied to an entirely different account ( my other account ) now leaving this account short even when the missing payment is finally located standing to harm my good name. 

After recognizing this added error on the online portal I immediately contacted the servicer again on XX/XX/XXXX alerting them of this newest error and was assured that the {$630.00} misplacement into the wrong account would be resolved together along with their attempts to investigate the above XXXX missing payments of XX/XX/XXXX however as of yet there have been no changes or updates of any kind and my accounts show the XXXX mortgages both unpaid.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation Under The Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account resolved. The Consumer Financial Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactive violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter on XX/XX/2020 stating they had put the wrong address to a collection agency I sent a validation letter to on XX/XX/2020. I told them this is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately. I have yet to receive anything back from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

I received in the mail today, XX/XX/2021, a credit card from Citizens Bank which I never applied for. The account is in my name. I have not called the company to activate the card, since I did not apply for it.