23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from DRB in XXXX i believe they called my work and i told them to please not call my place of work i gave them my email and cell number to reach me, Today i get a call again at my work from XXXX XXXX saying that she can call me at my work as many times as she wants and she doesn't need consent i let her know i am not allowed to get personal calls and can get fired and all she did was laugh and say that was not her problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.
Product: Debt collection

Contacted Ad Astra at XXXX. A male answered the phone, took my name and then said " are you still receiving mail '' and disclosed my private address to a third party, then disclosed the details of when the loan was taken out. 
After contacting the same phone number and addressing my concern with the supervisor " XXXX '' she then attempted to deny the call ever happened with their office. 
This is a clear violation of my privacy rights, and because the call did occur XXXX is violating the deceptive practice 's of the FDCPA. 

I would request that the Consumer Protection Bureau please audit the phone records of this company. The company has XXXX complaints against them with the better business bureau.
Product: Debt collection

This debt is in relation to medications received by a provider that I was not informed was not covered in my network, while is was in XXXX XXXX XXXX in a hospital that is covered in my network.. I submitted an appeal with my insurance and they agreed that under the no surprises act, I am not responsible for this charge and I am not to submit any payments.
Product: Debt collection

XXXX XXXX XXXX shows on my credit for XXXX, I do not know who these ppl are along with Colombia DEBT RECOVERY XXXXXXXX I do not know who these ppl are. 

I am trying to rent/own a home and these companies have my name and info and I do not know who they are and would like to assure that it's all removed and a order of compensation be received in 90 days.this is wrecking my credit.I do not think I should reach out to ppl/organizations that I do not know or do not do any business with this is scary to see these things on your credit report and not know who they are.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 6 months have been trying to get JPM Chase to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, JPM is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay JPM or XXXX then how do I suppose to pay them????
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Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2. Dates, times, and e-mails when these conversations has taken place?
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3. Last date of activity for this account? Which is not displayed on the credit report why??
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4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current?
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5. Please provide the original documentation sign by XXXX XXXX
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6. Please provide the date and time when the account was transferred from Chase/XXXX to a government servicer.
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7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts.
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8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE?
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This does not make sense at all and should be investigated all my accounts are to date and JPM Chase/XXXX is violation of the FCA. From this point I will consultant the attorney that sued XXXX for XXXX XXXX dollars  because they refused to remove inaccurate information of her credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to pull my credit, these inquiries are fraudulent and unauthorized. 
XXXX XXXX XXXX XXXX XXXX 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

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Docket # XXXX XXXX Source XXXX XXXX File Date XXXX Amount XXXX Status Date XXXX XXXX XXXX XXXX XXXX XXXX Action Type XXXX Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. 

Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX  ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. 

I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad alerts have been placed on my bureau reports and I did not authorize them and have looked over all bureau reports there is no fraud I want all fraud Statements taking off all of my reports
Product: Mortgage

I was not notified that they would not be making a payment after they said they would. They did not forward me the bill they received around XXXX for the tax statement after they notified the tax office and me that they wanted the bill and will pay it. 

I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. The below email also said that my next tax payment would be paid in XXXX in XXXX. If not, I should have been notified as I mentioned earlier.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally report and seek resolution on fraudulent activities that have adversely affected my credit report. Upon discovery, I conducted thorough research on remediation steps and understood that filing an identity theft report with the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX is crucial. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX =======XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Product: Debt collection

CONVERGENT OUTSOURCING # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Product: Credit reporting or other personal consumer reports

File number XXXX. Dispute was filed through credit karma for in accurate report from Transunion about inaccurate information from XXXX XXXX on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within XXXX  days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All XXXX XXXX information is incorrect
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. 
15US 1681 Section 602 States I have the right to privacy.

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

15USC1666B : A creditor may not treat a payment on a credit plan as late for purpose.
Product: Debt collection

XXXX XXXX Case Number : XXXX RE : DISPUTE AMOUNT OF DEBT {$9600.00} Dear Jefferson Capital SystemXXXX XXXX XXXX XXXX XXXX We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to XXXX XXXX XXXX. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. XXXX XXXX XXXX Cashed our final payment of {$3100.00} and SOLD the loan to Jefferson Capital System on XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by XXXX XXXX XXXX on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to Jefferson Capital System. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
Product: Debt collection

Portfolio Recovery Associates, LLC contacted my father on XXXX about a debt I owe them for a XXXX XXXX. XXXX XXXX Credit Card balance. They disclosed in a letter my account number, the seller, the merchant, original creditor, who the debt is owed to, and my balance. This extends beyond the boundaries they are allowed to work within when contacting others about my debt.
Product: Debt collection

My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.
Product: Checking or savings account

An unauthorized transaction that was made to a person that I do not know and I did not authorize those transactions to that person
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX*To Whom It May Concern, ** **Re : Systemic Violations by Bank of America and the California Unemployment Department** I am writing to formally address the systemic violations and severe mishandling of my financial accounts and unemployment claims by both Bank of America and the California Unemployment Department XXXX Their actionsor lack thereofhave resulted in significant harm to my financial well-being and the stability of my household. 

# # # Violations by Bank of America As a customer of Bank of America, I have been subjected to their failure to protect my account from fraudulent activity and identity theft. Despite multiple attempts to resolve unauthorized transactions, the bank has failed to provide adequate security measures. Inconsistent and contradictory information from their representatives has prolonged the issue, leaving my finances vulnerable and me in a state of constant distress.

# # # Violations by the California Unemployment Department Furthermore, I have been mistreated by the California Unemployment Department, which suspended my unemployment benefits without cause, falsely accusing me of fraudulent activity. My account was flagged and my benefits withheld, despite being eligible. After a lengthy appeal process, my case was overturned in XX/XX/XXXX, yet I still have not received the benefits owed to me, including two Tier 2 extensions that were never opened. This administrative failure has placed me in extreme financial hardship and caused psychological stress for both me and my child. 

# # # Consequences The lack of accountability and responsiveness from both institutions has led to the following : - **Financial instability** : My benefits have not been paid since XXXX, and fraudulent activity has left my bank account in disarray. 
- **Emotional and psychological toll** : My child and I have suffered greatly due to the constant stress and instability caused by these issues. 
- **Violation of my rights as a consumer and claimant** : Both Bank of America and the Unemployment Department have violated state and federal regulations designed to protect individuals from such misconduct. 

# # # Request for Immediate Action I respectfully request that your office investigate the systemic issues at play and hold both Bank of America and the California Unemployment Department accountable for their negligence, lack of security, and mismanagement of my funds and benefits. It is crucial that they be required to : - Fully reimburse me for the losses incurred due to identity theft and unauthorized transactions. 
- Issue the backdated unemployment benefits I am rightfully owed, including the Tier 2 extensions. 
- Provide a formal resolution and acknowledgment of the severe financial and emotional harm they have caused. 

Thank you for your time and attention to this matter. I trust that your office will treat this situation with the urgency and seriousness it demands. Should you require any further documentation or details, I am more than willing to provide them.
Product: Credit card

In my search for a new credit card, I was considering the American Express gold card as XXXX of my options. I have a corporate card through American Express and saw that there was a link through my corporate account to apply for a personal card and receive a statement credit for part of the annual fee. When I looked at applying through that link I noticed that it was going to give me a sign up bonus of XXXX points. I had previously received several letters in the mail for American Express with codes to receive XXXX points as the welcome offer. I was wondering if I could somehow receive both the statement credit from the corporate card and the higher points offer, so I called the number on the back of my corporate card on XX/XX/XXXX to ask about this. I spoke with an American Express representative and explained the situation and asked if I could receive both the credit and the XXXX points. The employee said that was no problem at all and that they would be able to give me both. I clarified this several times with them on the phone to be very clear about this before applying for the card because this was a major part of my decision of which credit card to choose as it would help me to offset the annual fees that I will be paying. The employee on the phone said that all I had to do was apply for the gold card and then once I received the card I just had to call back about this and the higher offer of XXXX points would be applied to my account. Relying on this information that I was told directly from an American Express employee, I applied for the gold card. After receiving my card I called American Express again to do as I was instructed in order to receive the XXXX bonus points. However, the employee on the phone this time said that American Express can not match any offers after the fact and that I am only eligible for the offer that was shown through my application link. I explained to them the situation and how I was told the exact opposite by another American Express employee and he said that he would not be able to do anything to match the offer I received in the mail. I have read many reviews online saying that American Express has great customer service, but that is not at all what I have received from them. I am extremely frustrated at the situation and believe it is very unethical and unfair for me to have received misleading information from an employee of American Express. If I was told from the beginning that I could not receive the statement credit and the XXXX points I likely would not have applied for the card and would have chosen a different card instead. Now I am paying the annual fee for a card where I have been lied to and will not be receiving the full amount of benefits that I was promised.
Product: Credit card

I will like a refund for all the months that I have been charge for bogus maintenance fees {$12.00}, also a refund for annual fee ( {$49.00} ), even when I close my account XXXX years ago, thanks I'm having trouble closing this credit card because every month I get charge for maintenance fees and annual fees, my balance never goes down XXXX is the name in front of the card, issued by XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX