23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter from Capital Accounts LLC, in reference to a debt collection from an account I have with my XXXX, XXXX XXXX, in XXXX, CA. This came as a surprise to me as I have never received a bill from my XXXX, nor have I been advised of any outstanding debt in any of my recent visits to the XXXX. In contacting the debt collector, I requested related wet signature documents acknowledging the costs of previous work performed related to the debt in question. Instead, I received an itemized list of charges for work allegedly performed from XXXX of XXXX to XXXX of XXXX. Nothing was provided to me demonstrating that I authorized these charges or was billed for this work that was allegedly performed during the time frame in question. 

Subsequently thereafter, I contacted my XXXX  office, which has changed ownership ( but still under the same name ) during the time I allegedly incurred these costs that are in question, in attempt to find out why they sent my account to collections without so much notifying me that I had an outstanding balance or receiving a bill. They advised and provided a printout that I do not owe an outstanding balance and that they believe that the debt was sent to collections by the previous owner of the XXXX  business, XXXX XXXX. I was also advised by the XXXX  office that other patients were in the same predicament I currently find myself in. In response, the current owners have attempted to locate the previous owner, with negative results. 

It is incredibly infuriating to be advised of an alleged unknown debt in this manor that was allegedly incurred from XXXX thru XXXX without even being notified in-person during a XXXX  visit or receiving any bill. It is of my opinion that the business practices of this XXXX  office is extremely suspect to turn over a very old alleged debt to a collection agency without so much attempting to notify, discuss or interact with me about the alleged incurred charges. 

As such, I am seeking the bureau 's assistance in getting this matter resolved as I have yet to receive proof of me agreeing to pay what was allegedly incurred during the time in question other than what looks like a homemade XXXX XXXX document from the collector. 

Again, I have proof from the XXXX  office and its new ownership, that my account is in good standing with them and up to date to verify my case. This appears to be an issue with the previous owner who is no where to be found to resolve this matter. 

Any assistance/guidance you can provide in letting me know how I can proceed to contest this collection legally, would be greatly appreciated. 

Thank you in advance for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Late Payment {$3000.00} XXXX  XXXX Late Payment {$0.00} XXXX  XXXX Collection {$0.00} XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit card

I have XXXX different credit cards and each one asked me when signing up if I wanted to enroll in credit protection. I've done my research on credit protection and I don't find the program to be useful at all to me. Ever since I read up on the program, I highly dislike the program and don't find it ethical. As I was going through my transactions I find that I am in fact enrolled in credit protection with indigo XXXX and I never enrolled myself. I made sure with all of my credit cards that I decline being enrolled in the program but this credit card company has managed to sneak it in for months. And because I didn't spot that they had enrolled me whenever they enrolled me I'm not allowed to have my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Student loan

I have a consolidated loan from Navient. The loan was consolidated in XXXX. The Principal amount was {$71000.00}. We did accept a " Graduated '' repayment in XXXX. During the 18 years of repayment, we have paid {$100000.00} in payments. 18 years later, the principal balance is {$61000.00}. Thus, {$100000.00} has reduced the principal by only {$9000.00}. We were NEVER told this could happen and NOTHING in any literature ever indicated this was possible. Moreover, it should have ended in XXXX but they keep extending the " Graduated  '' payments, claiming we called and asked for extensions. It is false.
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I only discovered this outrageous scam because I received a negative credit report that showed 90+ delinquency in a student loan payment fromXX/XX/XXXX. Even though we have made payments for 18 years ( that 's about 216 payments ) and have never been late, and even though our credit report shows over 4000 payments - - not one is reported as late - - Navient claims they emailed us 3 times asking us to read a delinquency letter on their website. We never got a single email or a single letter. We have not used the email address they claim to have sent it to in over 15 years. It still may be active, but we would never have seen that email. Proof? in over 4000 credit reports, including over 200 for Navient, we have never once been late with a payment.
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Clearly, Navient made a mistake. We asked it to fix the report, and they refused. So, while they have set up a system that no human would EVER agreed to ( pay {$100000.00} over 18 years for a {$70000.00} loan, and a {$9000.00} principal reduction ), and which was never disclosed, they continue to destroy my credit.
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please help!
Product: Credit reporting or other personal consumer reports

Experian took over 60 days and still updated with the wrong information on my credit report. I am demanding that the following be removed for taking over 60 days to investigate. 
There are multiple errors on my credit report. I have requested deletion due to these and they refuse to delete the items and only update the data to make it even more incorrect. I would like these items removed permanently as required by law for wrong and inaccurate reporting on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2x on XX/XX/XXXX reported I have disputed every account listed here and nothing has been corrected or removed. So I am demanding removal and sanctions to the credit bureau for failing to accurately report my credit profile.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018 I initiated a transfer to gdax of ~16 LTC . According to coinbase the XXXX LTC was received and automatically transferred to GDAX. However, on the GDAX side there is no record of the transfer. So now the LTC is not on the Coinbase side or the GDAX side. According to their documentation the transfer of assets between Coinbase and GDAX should happen instantly. I waited 5 hours and then opened a support ticket. I have not heard anything regarding my support ticket and have not received my funds as of XX/XX/XXXX. 

Since their has been no communication to about this issue that is happening to numerous people ( see gdax XXXX ) or answering support requests, I can only assume they are  either unwilling or unable to return the assets.
Product: Checking or savings account

On Friday XX/XX/2024 I received a payroll direct deposit from XXXX XXXX XXXX XXXX at XXXX. I am a XXXX XXXX XXXX XXXX in the state of Georgia. This direct deposit was for my earnings last week. I attempted to use my debit card for gas at racetrack. The transaction was denied, as were all charges I attempted to make. The bank flashes a message on the screen telling me my account is under review. I attempted to call and speak with someone. I did speak with someone who told me that the department reviewing my account does not communicate with their customers. They do not accept phone calls. I was asked to upload several documents via email. I provided my social security card, a picture of my drivers license, a picture of my face next to the drivers license, a tax return and a utility bill. I uploaded all documents requested and called back. I was told they received them. That was Friday morning. I was told to wait 2-3 days. Now its Monday. They are still keeping me from using my money and have my account locked for no lawful reason whatsoever. This is a negligent abuse of power and has now damaged me financially. I was unable to pay my rent and unable to feed my family. I was unable to pay any bill. I am late now on bills which will lower my credit score significantly. This bank is engaging in fraudulant activity by wrongfully withholding my direct deposit.
Product: Checking or savings account

To whom it may concern ; To make a long story short...

Just looking for a {$400.00} promotion credit that we have definitely qualified for.

To prove this - after hours of searching ; we found the original offer and fine print.

Wells Fargo stated we received a promotion years ago.

That is true.

However the fine print ( Paragraph 3 ) clearly states as long as we havent received in past 12 months.

Also we were told we could open online.

Plus with COVID many branches are closing much earlier than hours indicated.
Product: Credit reporting or other personal consumer reports

I looked at my credit report from Experian yesterday ( XXXX ) and noticed some things wrong and not being reported right. The following accounts have inaccurate and incomplete information : XXXX XXXX  ( Acct : XXXX ) XXXX XXXX of the XXXX ( XXXX ) According to the Fair Credit Reporting Act, those listed above have violated my federally protected consumer rights and confidentiality under 15 USC 1681 . Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information in concern to the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph
( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2, they are not to furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This is an extraction of the letter I sent to the cmg financial after hours on the phone and no resolution. 

My payment of {$1000.00} made in XXXX of 2021 has not been applied to my mortgage account. I have spent hours on the phone with your associate who have not found the payment nor applied the funds to my account. I have provided bank statements showing proof of the payment. Additionally I have canceled the payment through my bank. My bank initially credited the payment, then your company claimed it was a legit payment and refused to refund the payment. Your accounting office has been worthless and unable to aid in this process. 
I am attaching proof of the payment. You will notice that the account number is different than I currently have. This is because my mortgage was sold to your company and that was the account number I was given by your companies representative. I will provide proof of that call from my call logs prior to court proceedings. I suspect this is why the payment was not originally applied to my account. However after over 5 hours of phone calls and emails with account representatives and supervisors with your company I would expect the problem should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both XXXX and Bank Of America. I am a XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of a XXXX that I intend to file if XXXX does n't remove the negative/inaccurate mark from Bank Of America. 

Final warning.
Product: Mortgage

For past 3 years, have been jerked around first from XXXX to Seterus. We fell behind mortgage payments, had to move out of house for major repairs on first floor due to Hurricane XXXX. XXXX promised to do loan modification. It took forever to process, many documents. Wasted time. Papers were lost and resubmitted again and again by us. Loan mod was much too high for us. Now we are dealing with Seterus. No help there either, nothing. After XXXX loan mods we refused the third XXXX and the fourth and fifth XXXX. The past amounts were nothing we could afford. Even a blind man could see that there was no way we were getting an affordable loan mod even if we filed XXXX loan modifications. I had to stop working XX/XX/XXXX. Money became almost non-existent. Nobody can or will help us. Spoke to many agencies, lawyers. Nothing. Can we now do a short sale? And will we be held liable for the difference if the amount of the sale is lower than what is owed on the house? I ca n't get a straight answer. Is there any sign of intelligent life out there? House is for sale XX/XX/XXXX and current realtor has not been able to get a buyer. Nobody shows up for any open houses. The house is in excellent condition because we spent time and money on it. We will leave the house XX/XX/XXXX. We are done here and I understand these mortgage companies do n't care. But knowing we are XXXX they have proceeded to treat us like immigrants who lack intelligence. By withholding info we needed and the delays, everything fell down the tubes for us. Nobody at XXXX or Seterus cares about homeowners. That 's evident to me. They have a bad rap. That 's what I hear all over town!! Somebody needs to do something to make sure others do n't experience the same situation as we have and lose their home where they paid mortgage for 22 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX OF XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX amp XXXX IN - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Product: Mortgage

This is my third complaint against Roundpoint Mortgage Servicing Corporation for the same issue. Roundpoint continues to act as if they are servicing my mortgage, even though the previous CFPB complaints have resulted in them acknowledging that my mortgage was transferred to  XXXX  effective   XXXX   XXXX   XXXX   meaning that I never owed   Roundpoint a single mortgage payment.
Yet, today, I received a thick envelope from Roundpoint i  n the mail ( reference  XXXX  ) claiming that I was behind on mortgage payments and recommending me for forclosure avoidance. In reality, I have been making my monthly payments regularly and on time to  XXXX , my true mortgage servicer.      It 's clear that Roundpoint 's internal processes are totally broken : I should not be receiving this harassment in the mail from them after three complaints. I highly recommend RoundPoint as a future company for CFPB examination activities, as it 's clear that they are having process failures resulting in illegal harassment of mortgage borro wers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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. EXPERIAN 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 repor
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