23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .
Product: Credit reporting or other personal consumer reports

The entire year of XXXX  XXXX Ive provided letters of dispute through credit bureau and lender. XXXX. In which XXXX is reporting a car loan as charged off/written off as well as being a closed account while still trying to collect debt. I was not provided any documentation regarding the XXXX form showing that the car loan was in fact written off. I am going to sue as well as report to XXXX  if this inaccurate information being provided on my credit is not updated.
Product: Credit card or prepaid card

I ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help me.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX for their fraudulent attempt to collect a debt that is not mine. I have reason to believe that this debt is the result of identity theft. I have requested that the creditor prove that this debt is mine, but they have been unable to do so. Despite this, they have threatened to garnish my wages. 

I have taken all the necessary steps to protect my identity, including notifying the credit bureaus and filing a police report. However, I have received a notice from XXXX XXXX XXXX claiming that I owe them a debt. I have repeatedly asked them to provide proof of the debt, but they have not been able to do so. 

Furthermore, they have threatened to garnish my wages if I do not pay the debt. This is causing me a great deal of stress and anxiety. I am unable to pay this debt as it is not mine and I do not want to have my wages garnished. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX. I am also requesting that XXXX XXXX XXXX be required to provide proof of the debt and that they cease all collection activities until they can prove that the debt is mine. 

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

XX/XX/2018 started with Commonwealth placing accounts on my credit report. Upon pulling my report I've noticed charges that don't belong to me. Commonwealth has had over 30 to 45 days to produce documentation Validating that these accounts are mine. And they have not instead theykeep sending me bills. Which is not validating the accounts as being mine. This has been since XX/XX/XXXX and it's now XX/XX/XXXX and its still reporting on my credit report. I contacted XXXX   asking for documentation as well and they have nothing. Just stating that Commonwealth says it's my acct and they can not provide me with information of documentation files they have. XXXX has nothing and states they have nothing. So I'm demanding these accounts be removed for my credit report and not place back on there. This is against the law to place inaccurate items on a consumer credit report without proper validation that the accounts are yours. A Bill is not  documentation and it has been Over the validation deadline. It been months and I want it deleted immediately.
Product: Mortgage

XX/XX/XXXX. We paid off our mortgage with Rushmore Loan Management Services , LLC on XX/XX/XXXX. The payoff amount for the loan was {$4500.00} according to Rushmore 's documentation ; however, as of this writing we have only received a check for {$950.00} dated XX/XX/XXXX. The discrepancy appears to be ( mainly ) related to property taxes. Our XXXX taxes were paid off by our new lender on XX/XX/XXXX. Then, Rushmore sent XXXX taxes to our county on XX/XX/XXXX, three weeks after the loan was closed. The county claims that the excessive taxes would have been returned immediately. I have contacted the tax department at Rushmore several times without any success. Each time I am told that I can expect resolution in approximately three weeks and that I can not speak with a supervisor/manager. It has now been three months since the loan closed and Rushmore hasn't made any attempt to return our {$3600.00} or give me an update on the status of our inquiries. Thank you kindly for your assistance.
Product: Mortgage

Applied for HE loan, approval based off " soft credit '', broker claimed " rate is locked '' in text, although I had not signed lock. The next morning, noticing rate change, I inquired and broker again text " the rate is locked for you ; I am sure of it ''. I understand Rocket is within right to change rate without a signed disclosure. Broker should not be abllowed to communicate " rate is locked '' when it clearly is not locked. Additionally, there is something amiss when Rocket pulls hard credit from a Credit Bureau ( XXXX ) that channels borrowers to them and the bureau conveniently reports the lowest score of all major bureaus resulting in a rate change plateau that produces {$8000.00} additional interest to Rocket and additional closing costs. Mortgage Brokers should not be allowed to communicate that " rate is locked '', Lenders should not be allowed to collaborate with Credit Bureaus that result in apparent friendly to Lender rate changes.
Product: Debt collection

I am extremely frustrated and disappointed with the unethical and unlawful actions of IC System, Inc. They are blatantly violating both federal law and the arbitration agreement tied to this account, and its causing unnecessary stress and harm to my financial wellbeing. The original agreement for this account explicitly states that any disputes must be resolved through arbitration. Despite this binding agreement, IC System , Inc. has chosen to completely ignore the terms and proceed with collection activity outside of arbitration. 

This is not only a breach of the agreement but a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their actions are reckless and show a complete disregard for the law, as well as the rights of consumers like me who trust that agreements will be honored. 

Their failure to comply with the arbitration clause has led to this fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing me unnecessary emotional and financial distress. 

I am angry and fed up with this disregard for legal agreements and consumer protection laws.
Product: Credit reporting or other personal consumer reports

The information is incorrect and i demand the incorrect information to be removed I have that right to have correct information in my file. 

XXXX XXXX fabricated everything on XXXX XXXX XXXX documents and the ledgers was altered
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and inquiries were added without my knowledge or consent, and immediate action is required to address them. 

Account XXXX XXXX  Inquiries - XXXX XXXX XXXX XXXX XX/XX/year> I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Hello - Chime Bank is reporting different amounts to the credit bureaus every month. 
-Chime is reporting my secured credit card as a regular credit card with an open balance. 
The balance is more than my direct deposit monthly. 
-Chime has violated the FCRA Law I believe. 
-I have contacted Chime several times asking for them to correct reporting to the credit bureau XXXX 
-I received several responses basically ignoring my concerns. 
One email was sent by Chime told me to contact the FTC. 
I responded it's Chime 's responsibility to correct their errors. 
-When I call Chime I get nowhere. When I ask for a manager or legal department Chime refuses to transfer me. 
- I have contacted all Credit agencies to file a dispute against Chime. I was told that my report showing an open credit card balance does affect my credit. I was told that it is Chime 's error to correct. 
-I asked Chime for my secure card statements and was refused. 
-This incorrect reporting has horribly affected my life and credit. 
Thank you
Product: Student loan

XXXX has mishandled my payment instructions and has delayed for several weeks in fixing its error. Submitted payment of {$95000.00} on XX/XX/XXXX, which XXXX misapplied ( even though I uploaded payment instructions per their direction 10 business days before sending this payment ). Previous CFPB complaint " resolved '' by XXXX and marked closed by CFPB, wherein XXXX stated on XX/XX/XXXX : " [ b ] ecause you provided special instructions for how you want the payment applied, the payment will be reapplied according to your instructions. Although it may take a few business days to process the reapplication, once it has been reapplied the payment will still be effective the date it was received, XX/XX/2018. '' It is now XX/XX/XXXX and no change. I now need to complete my annual re-certification of IDR and my loan balance is not correct due to XXXX 's continuing error. XXXX must do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following fraudulent items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi there, Wells Fargo will not allow my PMI to cancel stating that 'their valuation based on public records ' shows my home value went down by $ XXXX. There is no way my home value decreased. I received a letter dated XX/XX/XXXX. I called Wells Fargo today, XX/XX/XXXX and the call representative re-read the letter to me. When I tried to ask what the public records were he said " similar homes '' with no detail. The letter states my only options are to 1. pay the difference ( XXXX ), 2. wait for my home value to increase and continue paying PMI, 3. document significant improvements made ( I didn't make any ), 4. pay {$150.00} for another valuation. 

I refuse to pay extra money to cancel my PMI when the real estate market here continues to be competitive and comps in my area are XXXX more than what I paid. 
Can you help? 
XXXX XXXX
Product: Debt collection

I have no idea who DCI is since they have NEVER attempted to collect on this debt by, mail, email, or phone call. They have sent a collection to the credit bureaus without allowing me to properly validate the alleged debt. Also XXXX has sold this alleged debt 3 times because they have been unable to properly validate this debt belongs to be ... it 's been almost a year and they still keep trying to get me to pay on a bill that does n't belong to me. I have NEVER entered into contract with DCI or XXXX, and they both or supplying false information on me. This debt that does not belong to me is causing hardship in my life right now!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Chex Systems ' Failure to Provide Contract and Documentation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chex Systems , Inc. regarding their failure to provide me with the necessary contract and documentation pertaining to a XXXX XXXXXXXX account that is being reported on my Chex Systems report. This issue involves an alleged incident of non-sufficient funds associated with the mentioned account. 

Despite my repeated requests to Chex Systems to provide me with a copy of the contract I signed with the bank and documentation supporting the reported insufficient funds, they have failed to comply with my request within a reasonable timeframe. This lack of cooperation is concerning and raises questions about the accuracy and validity of the reported incident. 

I believe that Chex Systems ' refusal to provide me with the requested information is a violation of my rights as a consumer. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to access complete and accurate information regarding their reported accounts. It is also within their rights to dispute any inaccuracies or incomplete information. Chex Systems ' failure to fulfill these obligations is unacceptable. According to Fair Credit Reporting Act, I may be entitled to seek damages of {$1000.00} for each violation committed. 





I am seeking assistance from the Consumer Financial Protection Bureau to address this issue and ensure that my consumer rights are protected. I kindly request your intervention in compelling Chex Systems to provide me with the requested contract and documentation in a timely manner. Their continued non-compliance should be met with appropriate actions to ensure accountability. 

I have attached a copy of my correspondence with Chex Systems, including the letter requesting the contract and documentation. I kindly request that you review these materials as part of your investigation into this matter. If necessary, I am willing to provide any additional information or documentation to support my case. 

I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer rights and enforcing compliance within the financial industry. I trust that your intervention will lead to a satisfactory resolution of this matter. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX Attachments : Letter to Chex Systems requesting contract and documentation. 
ID Docs