23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from  XXXX   XXXX   XXXX  .  that represent the client   XXXX   XXXX   XXXX   XXXX  , charging me for a debt of  XXXX  that is not mine.   The date of the letter is    XXXX   XXXX   ,  2017 , but I just received yesterday and it says the original creditor is BANK OF AMERICA / FIA CARD SERVICES  N.  A.   I never had an account with Bank of America or  FIA Cards  so I don`t know why I am being charged.   I calle d FIA  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.   I also called   XXXX   XXXX   XXXX   .  that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
Product: Mortgage

I was reviewing my payment history with Loan Care AKA XXXX and I noticed on XX/XX/XXXX that in the amount paid column there is a figure of {$220000.00} when I questioned this with Loan Care they were unable to answer my question and forwarded it over to Payment investigations for review. I purchased my home in XXXX for {$180000.00} so this amount is puzzling to me as I have never seen any paperwork with this amount on it. I did go through a modification XXXX but was never issued any disclosures. I was only provided paperwork to sign and return. I am trying to figure out what this amount is as I have never seen it anywhere before, my current balance on my mortgage is {$120000.00} and my home appraised for XXXX in XX/XX/XXXX and they are still requiring me to pay Mortgage Insurance which is only if the LTV on your home is over 80 %. 80 % of XXXX is {$190000.00}. I feel as though something is not right with this. I want to be treated fairly and feel I am being overcharged by having to pay MI and I also do n't understand where this figure of {$220000.00} is coming from as I would NEVER agree to that. I work in the mortgage industry and am aware of how mortgages work. Can you please look into this and advise me of anything you can find out. Loan Care is unable to provide me with an explanation as to this figure. I 'm concerned that I may have been taken advantage of as the balance of my mortgage is well below 80 % LTV and I am paying MI in the amount of XXXX per month and also what is the {$220000.00} figure that is showing up. My initial loan amount was {$170000.00} and the purchase price of my home was {$180000.00}. Please advise Thank you
Product: Checking or savings account

I previously submitted a complaint on XX/XX/XXXX. The check I received from Bank of America in XX/XX/XXXX could not be cashed because the numbers in the upper right hand corner was missing four numbers. The resolution Specialist did reach out to me to resolve the issue. Unfortunately we never connected. I am providing the emails I have sent her, unfortunately she never respond to me. As I indicated previously if this was me holding the banks money, I would be charged, therefore I am requesting interest on my money
Product: Money transfer, virtual currency, or money service

In early XXXX I bought XXXX XXXX dollars of a crypto called XXXX on Coinbase at around XXXX dollars. In early XXXX I added to my position and bought another XXXX XXXX dollars of XXXX for around XXXX dollars. As of today XXXX is XXXX dollars which brings my account on coinbase to nearly XXXX XXXX dollars. Over a month ago Coinbase deactivated my account for an unknown reason and has not resolved the issue since than. I have a open long position of chainlink I am unable to cash out since coinbase will not let me access my account I have submitted a support ticket ( Case # XXXX ) with nothing resolved. I have submitted a formal complaint ( Complaint # XXXX ) with nothing resolved. Coinbase has robbed me from my money and an active open long position worth nearly XXXX to date. Please help me access my account to get my money out of Coinbase. I have attached the last email I have received from Coinbase on XX/XX/XXXX.
Product: Credit card or prepaid card

Hi, I noticed on XXXX XXXX XXXX that capital one charged me a {$28.00} dollar late fee.I made a electronic bill pay payment that was sent on XXXX XXXX and arrived on XX/XX/2022. ( due date ) Confirmed by my banking institute. When I called capitol one they informed me that it takes up to 5 days to post to my account. On their banking statement that information is no where to be found .Does state that I need to make a payment on the due date to avoid interest and fees, which I did. I have made electronic payments numerous times in the past, and have never been charged a late fee. I paid the balance in full. Payment of {$45.00}, and deducted from my checking account on the due date. ( XXXX ) Capital one posted my payment one day later on the XXXX of XXXX. I disputed this with the bank I make the payment with and they told dispute was denied, and to take it up with XXXX.
Product: Credit card

If you can see to they had sent me a message back but ignored me again as you can see.. in the documents and I would like First Citizens Bank to review my account and readdress the terms of the contract to reflect a fair outcome, specifically aiming to satisfy my account balance to XXXX. I request a formal response from the CFO or another senior executive, and clear, actionable steps to resolve my issue. This resolution would be in the best interest of both parties and would help me move forward with a clean slate. When I read my consumer bill of rights thats why I want to readdress because this is not beneficial my Government name ( XXXX ) at all.
Product: Credit reporting

Upon receiving information regarding refinancing while reading information via email from Quicken Loan, I did not authorize them to do a credit inquiry. I decided to cancel any additional services to inquiry. The request on my credit report lists Quicken Loan as making a credit inquiry, this was not authorized and should be removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

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

The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit my third CFPB complaint concerning the remaining fraudulent inquiries in my Experian and XXXX Credit Reports. While I commend XXXX for promptly removing all the fraudulent inquiries I specified, I am deeply dissatisfied with the lack of action taken by Experian and XXXX. Regarding Experian, I appreciate that two out of the six listed fraudulent inquiries were removed from my credit report. However, there are still four more inquiries that require immediate attention for complete removal. As for XXXX, not a single one of the listed fraudulent inquiries has been addressed, and to my dismay, I recently discovered a new fraudulent inquiry added to my report on XX/XX/XXXX. This ongoing issue has caused considerable distress and financial strain, as it continues to impact my creditworthiness. In accordance with the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate and respond to consumer disputes within 30 days. Regrettably, it has now been several months since I initially raised these concerns, and I have yet to receive a satisfactory resolution. This delay is unacceptable, and I have suffered significant financial repercussions as a result. I kindly request that Experian and XXXX take immediate action to remove the following listed inquiries from my credit reports : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Debt collection

This is a follow up to CFPB Complaint : XXXX-XXXX  The company is falsely reporting and is violation for the Fair Debt Collection Practices Act. Please see article 809 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

They have provided NO PROOF to me the account wasnt satisfied.

The account was paid directly to the provider from my health insurance and a via money order. The ARS company would not have this as it was paid directly to the provider in question.

This account and collection is not valid and the ARS company is acting fraudulently.

In addition and prior to my written Cease and Desist this company ARS made multiple daily calls to my home ( XXXX ) some of these calls were outside of normal hours XXXX XXXX and late in the evening. ARS would call 8-15 times per day. The clearly were in violation of the FDCPA in the area of collection calls as well.

It is not my responsibility to locate EOB 's from my insurance company nor is it my responsibility to locate a money order from years ago. This account was paid in full. Clearly there is fraud happening on both ends of this weather it is from the collection company and provider remains to be seen. 

ARS has a responsibility to validate the debt, they have not provided valid data to support this collection.
Product: Student loan

I have called emailed about 7 times I have had a credit balance for now over 30 days from borrowers defense payments back to my acct they refuse to release my funds to me .it 's owed I have a credit
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX 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 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 on those accounts 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 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 or other personal consumer reports

I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection. 

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within 30 days to avoid further action on my part. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion negligence is impacting my credit and I received the worst customer service of all time trying to get help remove a hard inquiry thats not mine. The supervisor XXXX XXXX literally argued me on the phone and was very rude. The last rep lied to me and said fraud SEO didnt have a phone line and had to wait 7 business days for a call back which was a complete lie. They use tactics to ignore my problem and make me wait to get off the call!! This company employees are terrible and all need to be reviewed they do not know law or policy and do not follow the FCRA!! I simply need this removed because I never did business nor did I apply. The hard inquiry that needs to be removed is from XX/XX/XXXX and its XXXX XXXX!! Delete ASAP
Product: Debt collection

I've repeatedly requested Midland Credit to verify information and they have failed to do so. I called in XXXX and requested they mail verification, I submitted an online inquiry after that and also mailed XXXX letters ( most recently additionally mailed XXXX by certified mail so they can't claim they haven't received it ). Whenever I've disputed information with the credit bureaus or requested information another way, Midland has increased the debt balance by {$1.00} to intentionally have it readied to my credit report without verifying the information requested. I never received notice of intent to collect the debt nor notification that this debt could be disputed. I additionally never got a fair chance to negotiate or dispute the debt before they added it as a collection. When I requested verification, they failed to verify the debt and have been very aggressive in their attempts to collect the debt while violating several portions of the Fair Debt Collection Practices Act.
Product: Mortgage

We have REPEATEDLY provided proof of both Flood and Home Owners insurance, and Freedom Mortgage refuses to acknowledge it, and is charging us for both. Furthermore, the process to confirm insurance is very difficult, and on their website where youre supposed to be able to submit proof, you can only buy insurance.
Product: Vehicle loan or lease

I reached out to XXXX XXXX XXXX because my auto loan is 4 months behind and I have retained an attorney and am in the process of filing chapter XXXX bankruptcy. I told them I was voluntarily surrendering the vehicle back to the company and they transferred me to the correct department. I verified my identity and gave the representative my attorneys information and answered all questions in regards to the vehicles location and mentioned it is ready for pickup ASAP. Prior to this call I received numerous calls and emails from a XXXX XXXX with their XXXX XXXX XXXX. Now, two weeks after providing information and requesting the voluntary surrender of the vehicle, I have began to receive harassing messages and calls from XXXX XXXX again.
Product: Checking or savings account

I attempting to transfer {$1000.00} from one checking account at Bank of America to another of my checking accounts at Bank America and accidentally transferred the money to a line of credit account that was closed years ago.

I have called Bank of America on four different occasions and they told me the {$1000.00} would be credited to my account within 72 hours of me notifying them of the error. 

The {$1000.00} has not been credited back to my account and I have bills to pay.
Product: Mortgage

In XXXX of XXXX, I received a phone call from a Flagstar Bank representative inquiring about if I knew about the forbearance options for my loan in the event I wanted to forego a couple of payments in order get caught up on other things or needed some COVID-19 hardship relief. The rep and I spoke on the phone, and she told me all I had to do was go online to my account and apply for it. When I asked about the repayment process I was told that the loan would be modified to put those payments during forbearance time on the back end of the loan, and it was easy as 1-2-3. 

Since I'm military I pay my loan on the XXXX and XXXX of every month, and starting on the XXXX of XXXX to XXXX XXXX I did not pay anything as I in a forbearance status. When I called to let them I was ready to start my payments again and to go through the modification process, I was told that was not the process and I had to APPLY for a Loss Mitigation Plan. I told the rep that is not what I was told by the previous rep, and was eventually told that person was 100 % wrong for not telling me the correct info and getting me into this situation. 

Needless to say the whole application process was a pain and it never got resolved. I spoke to at least 15 different Flagstar employees and was told something different 15 times. I would do what the application asked of and submitted everything at least two or three times because something was always needed because the underwriters took their time reviewing everything, and once 30 days had passed I would have to submit everything all over again. 

I ended up paying an extra {$800.00} a month to try and catch up on the missed payment during this timeframe because I had no faith in the bank to help get out of the situation they put me in. Since I'm in the military I was ordered to move from XXXX to XXXX with a two months noticed and that alone has caused another hardship as I had to pack up and move everything. This caused my wife to not be able to work again after not having a job since the first lockdowns on early XXXX.