23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Dispute and Complaint Regarding Violations by SENTRY CREDIT INC Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau against SENTRY CREDIT INC, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/XXXX, I received notice from SENTRY CREDIT INC that they placed a collection account on my credit report. However, SENTRY CREDIT INC has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), SENTRY CREDIT INC did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), SENTRY CREDIT INC did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies.

3. Use of False, Misleading, and Deceptive Means : SENTRY CREDIT INC has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : SENTRY CREDIT INC has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law.

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that SENTRY CREDIT INC remove the collection account from my credit report due to their failure to comply with the above laws.

* Dispute of Debt : I dispute owing any and all debts to SENTRY CREDIT INC.

* Revocation of Communication Rights : I hereby revoke any authorization for SENTRY CREDIT INC to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above.

* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that SENTRY CREDIT INC has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between SENTRY CREDIT INC and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that SENTRY CREDIT INC is licensed and bonded to collect debts in my state.

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against SENTRY CREDIT INC for their violations of consumer protection laws.

Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, we bought a home and was told in the closing that we were on a fixed escrow. At the closing if the mortgage, we were informed that our contract had to be honored, regardless who bought our mortgage. Include in our mortgage plan is as follows : Principle and Interest- {$470.00} Hazard Insurance Reserve- $ XXXX County Property Tax Reserve- {$32.00} Monthly PMI/MIP/USDA Reserve- {$61.00} Flood Insurance Reserve- {$74.00} Everything in the included escrow plan above equals {$730.00}. After 1 month of closing, Plaza Home Mortgage Incorporation bought my mortgage.After a year of service, the company didn't pay our insurance both, flood and homeowners insurance. After being informed that our policies had been canceled, I contacted the company but was unable to get the matter resolved. Plaza Home Mortgage Incorporation informed me that they didn't know who to send the money to. I reminded a Plaza Home employer of the contract and they informed me that they would send a payment to both companies. I followed up with insurance agencies to see if my premiums had been paid but I was informed by both companies that a payment was not sent to them. I contacted the company again and they informed me that the money was sent in later. Plaza Home Mortgage Incorporation has for-fitted the contract. Neither insurance agency company was paid. Although the money was taken monthly, my insurance policies were not paid by Plaza Home Mortgage Incorporation. Plaza Home forced placed insurance on us and our new mortgage payment XX/XX/XXXX will be {$1000.00} a month. As stated earlier, we were informed at closing that whoever bought our mortgage would have to honor the contract. We were fixed on a 30 year plan, paying the amount of {$730.00}, unless property taxes rise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I removed the freeze on my credit report and my wife 's credit report with all three credit reporting agencies so that we could apply to refinance our mortgage on our home. Our loan was approved and I wanted to again freeze our credit reports. With XXXX and XXXX the process was easy to do online. With Experian I found that it was impossible using their online site or by calling any of several of their phone numbers. It was impossible to talk to an agent. They do not answer their corporate headquarters number listed as ( XXXX XXXX XXXX. It should not be that hard to freeze a credit report. 

Please you good offices to require Experian to make it easy to freeze and unfreeze credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX
Product: Credit card

During XXXX I purchased some camera from Walmart Website. When I received them, I realized they were not compatible with my WIFI and also they were not wireless. I requested a return from walmart which was approved. I received a return code XXXX and was told informed to return right away. I was in the process of return the items when I received an email from XXXX stating that they have deactivate my online account and will not be accepting no payments, NO RETURNS, NO transactions from me. They have send that notice without prior notice. Now I am stuck with merchandise unable to use. I reached out to walmart they said once the account is closed they cant do much. They advised that I called my credit card and dispute the transaction which I did. I reached out to capital to dispute the transaction. They provided a temporary credit and took it back. I provided them with the email from Walmart indicating that they are NO longer ACCEPTING returns from me and My account is INACTIVE. CAPITAL ONE will not comply to credit me. I have been with capital one walmart for more than 10 years. I will not pay for merchandise that are not satisfactory. That is XXXX. I dont have that and WILL Not pay that.
Product: Checking or savings account

I deposited a check for {$1400.00} by ATM in my Fifth Third checking account on XXXX XXXX, 2020. At the time of deposit, my account had a balance of $ XXXX. As is customary, {$100.00} was made available to me upon deposit but due to the overdraw, only {$91.00} was confirmed available based on the printer receipt I received. Later that evening, with verification that those funds were available, I made an ATM purchase for about {$20.00}. 

The next morning, I checked my balance and found that it was now - {$28.00} and the deposited check had not been posted to my account. I called the bank to see why the check had not been deposited and the {$20.00} withdrawal was showing as an overdraft when the bank receipt had shown {$91.00} available after the deposit. 

To my surprise, I was informed that the bank had placed a 10 day hold on the check and that 'it didn't realize ' the hold would be placed on the deposit so the info that was printed on the receipt was moot. The bank further explained that, although the check is clearly written to me from a major company ( AAA ), even after they verified the legitimacy of the check and availability of funds from AAA, they would not release the funds prior to 10 days, essentially they were free to arbitrarily hold available funds that a legitimate payer intends for me to receive for 10 days for no other reason than they can. 

I am deeply concerned about this policy not only because I need access to those funds to feed my family and pay bills amidst the pandemic, but because there have been several banks that have been sued under class actions for policies and practices in which they hold customer funds or delay debits as a means to negatively effect consumer accounts as a means to collect additional fees. This case sounds just like that in that the bank supervisor with whom I spoke confirmed that, irrespective of how quickly the check from AAA was verified, Fifth Third would not release the funds to me before 10 days. Again, this type of random application of policy that generally harms consumers and does little to protect banks from fraud seems particularly unfair and egregious during a pandemic when family 's like mine need access to the little money they have available to sustain essentials like food, heat, and internet access for virtual school.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.
Product: Credit card

Capital One : I applied, made the account, but never received a card from them. Now I am receiving emails and letters saying I owe them {$720.00} and have a CHARGED OFF ACCOUNT!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX To my elected official, I am a small business owner and I have been taken advantage of by Bank of America. I need your assistance in this matter. 

I opened up a business checking account with Bank of America on XX/XX/2022. I opened up the account online and I deposited {$100.00} into a business checking and {$100.00} in a business savings account. On XX/XX/XXXX I got an email from Bank of America saying that my accounts are approved and the email included the last 6 digits of my new account numbers. I opened up my online profile with the Bank of America app on XX/XX/XXXX. On XX/XX/XXXX I got an email from Bank of America saying that my business debit card will be sent to my business Address. On XX/XX/XXXX Bank of America closed my account and did not refund my money that I put into that account. I went into the branch and I opened up a new businesses checking account and I had to deposit some more funds into that company to fund my new account. I was told by the banker in the branch that they could not refund my money at the branch but I would be contacted by the Bank of America headquarters and will be issued a cashiers check within 7 business days for the money I deposited to open up the initial online accounts on XX/XX/XXXX. I waited XXXX weeks and I did not get the cashiers check from Bank of America. I was told by the headquarters that my cashiers check was mailed on XX/XX/XXXX to my address. It has been over 2 months I still do not have my money that was owed to me. I spoke to a Bank of America supervisor on XX/XX/XXXX and he told me to reach out to the bank that I used to fund the account on XX/XX/XXXX to file a claim. I filed a claim with that bank and was not given a credit. My bank said Bank of America never responded to its investigation and I can not get my money back. This is unacceptable. I need to be refunded my {$200.00} and compensated for my time and interest for this company holding my funds for over 60 days and not providing me with the service that I paid for. 

Thanks
Product: Debt collection

I received a collection notice stating that we owed {$140.00}. I request proof of the debt. The collections agency sent me a copy of the original bill. I responded that I would like to see a complete statement of our account as we PAID the hospital {$1100.00} on XX/XX/2019, based upon their estimated bill after the expected insurance payment. On XX/XX/2019, the Hospital REFUNDED {$550.00}. Our thoughts were that we paid based upon an estimate, and after all the insurance settlements, we actually overpaid. I requested a statement of the account that shows what we paid, what the insurance paid, and what the remaining balance is. We can not understand how the hospital can say we were delinquent when they gave up a refund. The agency responded to our request for a statement with a letter threatening to report us to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Hard and soft inquires XXXX 

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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Money transfer, virtual currency, or money service

Card repeatedly being used in unauthorized transactions. I reported and blocked numerous attempts at my account. Replaced the card twice and Im still receiving attempts
Product: Credit reporting or other personal consumer reports

XXXX, Equifax & XXXX  Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any 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. 

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXXXXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Debt collection

On XX/XX/2020, I contacted Penn Credit Corporation account # XXXX. This writer advised Penn Credit Corporation i requested bill from the original company because i don't have an account with Penn Credit Corporation.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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: Money transfer, virtual currency, or money service

I use bank of America mobile banking for all my transaction and my main source of money consolidation. I never requested or authorized XXXX to be an option for transfers, it has just always been there. I decided to use it one day, assuming it as a safe transaction since my bank has it as a default option to use if needed. I incorrectly typed the wrong phone number when sending money and was too quick to hit send. Immediately after the money was sent I called the bank and let them know I made an error and requested for them to stop the transfer as it was still pending. The bank informed me that this was not possible and as soon as the button was pressed, the money is gone. The bank has refused to help me as they see it as an " authorized '' transaction since the numbers were typed by me. I can not get help from anyone and this money was for 4 different people that I can not afford on my own to be without.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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: Vehicle loan or lease

My vehicle was repossessed on the XXXX of XXXX on the XXXX I went to XXXX XXXX where the vehicle was to retrieved my property but the person who took me had to go to work so i could not retrieve all my stuff the lady made me pay XXXX and I ask her if i can come back to retrieve the rest of my stuff in XXXX days. I retrieved my wallet and a pair of sneakers and I told her money and a money order for {$1000.00} was missing from my wallet she then called me a liar and called the police to remove me from the yard. She then called BridgeCrest and told them a bunch of lies and that I was banned from the yard. My mother went to retrieve my property and was told a bunch of lies too. Bridge crest is not trying to help me retrieve my property everyone is saying they don't know where my property is and I had important military documents in my car. This is how veterans get treated for serving this country and protecting people like them.