23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke to this company and the company they claim I have a debt from plenty of times requesting that the Collections Account to be removed from my credit file, I noticed an entry from I C Systems, dated XX/XX/XXXX, on my credit report. I have no knowledge of this account, it is inaccurate and unverifiable. Over XXXX I have request that they thoroughly investigate this matter and, if unable to provide verifiable evidence of this debt 's validity, please remove it from my credit report in accordance with applicable credit laws.i have never signed up with this business nor have done business with any affiliates with I C Systems
Product: Debt collection

XXXX XXXX XXXX was sent a cease and desist letter in XX/XX/2023and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. XXXX still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
XXXX and MESSERLI & KRAMER PA .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which MESSERLI & KRAMER PA wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX  XXXX Balance Owed : {$4400.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX Balance Owed : {$2200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  # XXXX acct XXXX XXXX XXXX XXXXXXXX charge off XXXX XXXX, {$4800.00} it says closed XXXXAbility Recovery  XXXX an XXXX XXXX {$920.00} opened XX/XX/year>, an XXXX XXXX  {$440.00} an according to 15 USC 1681B an 15 USC 1681- ( c ) ( a ) I never gave permission to use my info to any of this please remove all this faulse information off my report please along with these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all wrong information an these names not mine names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an XXXX XXXX XXXX aren't me at all
Product: Credit reporting

XXXX was paid and agreed to delete their information. It was removed for the XXXX other bureaus. By law, if an account is deleted from on bureau it has to be deleted from the other XXXX.
Product: Debt collection

Ally Financial called me, roughly a week ago, asking to pass a message to someone I am related to. I know they skip traced my contact information, as I have not spoken to this relative in over 10 years. I informed the representative that I have little contact with that person and to not contact me again about the matter. Since then, I have received repeated calls and multiple voice mails in the same day. Today, XX/XX/XXXX, after getting multiple voice mails, I answered the call and again informed them that I have no contact with the relative they are looking for and again to not contact me. Rather than terminate the call, the representative attempted to push the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau XXXX is reporting an erroneous debt on my credit file that is not mine. The days that this debtor is claiming this happened, I was in surgery and there was no way I could have anything to do with that account. I have filed a police report with XXXX Police, XXXX # XXXX in regards to this erroneous debt. This is a fraudulent account, and I demand you remove this account off of my credit file, or the next steps will be getting my attorney involved!
Product: Mortgage

I got a Heloc loan for XXXX, ( which is a line of credit ) from Citi Bank. I 'm notsure anyone at the CFPB knows what a HELOC is or how one of these loans works, but the lender did a great job in turn time. easy process at the bank. the problem was all the forms the govt has dreamed up, that must be sent to the consumer and then read and signed. I did not understand any of these govt produced, attorney produced forms, and it would take three weeks to read them all. The mortgage process as defined today by the fedl government is broken and confuses me to death. Could you please abolish your existence and let smart people run this business? For god sakes, I do n't want any more forms created by you to safe guard me. I can handle myself. I don t need XXXX of you to look after me anymore and I don t know how we can pay all of you. good god man, think about it. Your killing us. PlEASE stop making rules for banks to comply with. Citi bank told me they now have hired XXXX compliance officer and attorneys to run their compliance department. to offset their costs they have raised my fees on checking and wire transfer and interest rates on car loans and consumer loans, to justify the cost increase. So little old me, gets to pay more money, for you to protect me! You are killing us out here! 

Please back off! 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Last year, I discovered an error in my XXXX credit report regarding my address. I promptly disputed it online and reached out to XXXX  call center. They informed me that Rocket Mortgage had mistakenly reported the incorrect street address and unit number. I then contacted Rocket Mortgage and explained the situation. They confirmed that my address was indeed correct in their system and would contact XXXX. Upon receiving the dispute resolution, Rocket Mortgage made some corrections to the address they were reporting to XXXX. However, these corrections were still not accurate, as they had separated the last digit of my unit number, which makes it look like a three-digit unit number when in fact it is a four-digit unit number. I contacted XXXX, and they told me they could not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXr Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Bank account or service

FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.
Product: Debt collection

Account has reported incorrect payment information. It has been since charged off and it is also illegal to report transaction history as well as income. Several violations of federal codes not limited to 15 usc 6801 - 6805, 1692 ( g ), 1962 c ( c ), privacy act of 1974. 16 CFR 313 16 CFR 433.
Product: Mortgage

LoanCare failed to pay my Oregon property tax in XXXX of XXXX. I contacted them regarding this issue as my Escrow account had a surplus of over {$2000.00}. They were unable to tell me why my taxes were not paid. In addition, they did not correct this timely therefor I am being penalized on my 2020 income taxes as I can not claim any amount paid for property taxes. I was never notified by my mortgage company that my escrow payment did not go out. I was only notified after getting a past due statement from Lane county.
Product: Credit reporting or other personal consumer reports

The law is very clear as a to the civil liability and the remedy available tome for negligent noncompliance ( section 617 ) I would like hard Inquiry to be removed and address that's i have not live for yrs. i have complain a lot and also my name is misspell and also it hard for me to get credit cards because of what's on my credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a request via certified mail to Experian Credit Reporting Agency exercising my rights under the Fair Credit Reporting Act, Section 609 to see the original contracts that contains my signature for several accounts listed on my consumer report. To verify my identity I included with this request a copy of my birth certificate, social security card, driver 's license, a recent w-2 form, a recent cell phone bill along with the report with the debts circled and highlighted. I was notified that they were investigating and the results were simply that they " verified '' the information. The original contracts with my signatures were never produced. On XX/XX/2020 I followed up and sent another request for the original contracts for the same debts that contain my signatures. Again I was told that Experian " verified '' the information. The request to see the original contracts with my signatures were denied. I sent the request to Experian for the original contracts that contain my signatures again via certified mail for the same debts being reported on XX/XX/2020 and XX/XX/2020. Again, I was told the debts were verified. Again, I was denied copies of the original contracts containing my signatures.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are both reporting an account by the name " XXXX '' on my credit report to be accurate. Which is completely false and misleading and are actually violating my rights. Credit reporting agencies must maintain accurate and complete information. Upon reviewing my credit report, I see that both companies have outdated, incorrect, or incomplete information being reported, such as wrong account statuses, incorrect balances, or mixed information from my credit file. They are in violation by " reporting an account as active when it was voluntarily closed by a consumer and. 
According to the FRCA, all inaccurate information must be corrected or removed from my credit profile. Both companies have chose to keep reporting this in accuracies. They willingly and negligently failed to comply with its obligations under the FCRA. I have beeb denied housing due to this inaccuracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : Experian XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of certain inquiries on my credit report that have resulted from unauthorized access to my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to protection from fraudulent activity, and I ask that the following inquiries be removed to prevent further misuse. 
Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

After several phone calls to Mohela with no luck getting my refund resolved I wrote and mailed a letter to Mohela on XX/XX/year> and stated " My account was paid off on XX/XX/year>, and overpaid in the amount of {$1800.00}. Please let me know how you can help me obtain my refund of {$1800.00} on confirmation # XXXX as soon as possible. 

I overpaid my account by {$1800.00} please reference confirmation # XXXX and would like to be refunded this amount as soon as possible. I have contacted and connected with your customer service team on three occasions and unfortunately each time there was some sort of issue with either completing the refund request, or accessing my account and for some reason Im told they couldnt even access the notes made by each customer service agent regarding my phone calls. Each time I was told a supervisor would call me back within 48 hours and much to my disappointment have yet to receive such a call. 

I did not received a reply to this letter so I called Mohela again on XX/XX/year> and spoke to a supervisor named XXXX ID # XXXX. XXXX confirmed that this amount was overpaid and said she would put in the request to process the refund in the amount of {$1800.00}. She said that she would call me back on XXXX XXXX to confirm this refund request has been processed but unfortunately she did not call me. When asked the timeline when I would receive my refund she said the process takes 5-7 days then gets passed on to The Dept. of Treasury and they would in turn issue my check in 6 weeks. 

As of XX/XX/year> I have not received my refund so I called Mohela again and spoke to XXXX who was advised to advise me to speak with XXXX XXXX again. I was transferred but not to XXXX directly, and instead had to answer voice prompts of which I apparently answered incorrectly so my call was automatically disconnected. 

I'm at my wits end at this point. I am hoping you can help me get my refund please. 

Thank you, XXXX XXXX
Product: Checking or savings account

I just woke up today to a closed Bank Of America account without no reason or explanation. I would really like to know what happened this account history was excellent, never got any overdraft, never got any payment back, and neither I was involved on any illegal activities so this mades no sense for me
Product: Mortgage

Nationstar Mortgage ( XXXX Mr. Cooper ) paid my homeowners insurance twice from our mortgage escrow account ( on XX/XX/XXXX and XX/XX/XXXX ). They received a refund from our insurance company for one of the payments ( {$3700.00} ) in XX/XX/XXXX but neglected to apply the refund to my escrow account. 

I received a revised escrow statement on XX/XX/XXXX showing an increase in our monthly escrow payment ( to start in XX/XX/XXXX ) of {$900.00} per month. I immediately called Mr. Cooper 's customer care line at XXXX to understand the increase. It was clear on the call that the insurance payment was sent twice and the refund had not been applied to my escrow account. The agent said she would initiate a ticket in her internal system to rectify the refund issue. She did not submit the ticket, as I confirmed on a later call. 

I called back several weeks later to learn that no progress had been made. I was told it would be another 7-10 business days and that I should not pay my XXXX mortgage payment until the matter was resolved. However, after several more phone calls, I was told that if I didn't pay by XX/XX/XXXX, I would be penalized and show a late payment on my credit report. I paid the requested mortgage and escrow amounts to Mr. Cooper ( including the escrow overpayment ) on XX/XX/XXXX. 

I have called back multiple times with no progress. On XX/XX/XXXX, I was finally connected with a Mr. Cooper representative on the " Executive Resolutions Team '' who is now managing my case. Her messages are unhelpful and only communicate that they are still investigating. 

I have been told that Mr. Cooper did receive the refund from my insurance company in XX/XX/XXXX but that the refund was applied to the incorrect mortgage account. To correct this, Mr. Cooper needs to find the deposited refund check to get the incorrect mortgage account number from the back of the check in order to transfer the funds to my escrow account. I continue to be told that they are investigating ( I was originally told 5 days, but that passed without resolution ). My XXXX payment will be due soon. 

This is fraud. Mr. Cooper readily admits that they have the funds but applied them to the incorrect account. This is not my issue. I have asked Mr. Cooper to apply the correct funds to my account and re-evaluate my escrow payments. They have not. They should deal with the internal accounting issues in their own time without impacting my monthly mortgage payment. Instead, I continue to be forced to overpay a substantial amount while they collect interest on the overpayment. 

I am writing request the CFPB 's assistance in this matter. Mr. Cooper does not dispute the facts ; however, they refuse to apply the funds to my escrow account and continue to require an additional {$900.00} per month to which they are not entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report I am writing to file a formal complaint against Experian for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX Account Number XXXX it has been updated the pay status as charged-off / written off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Experian today XX/XX/2024, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law.

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX Account Number XXXX