23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Capio Partners on XXXX claiming a debt I owed for {$2500.00} had gone to collections. I wasn't aware of any medical debt. I called Capio Partners and filed a dispute, requesting more information on the original creditor and a verification of the debt. 

Just a note : the person I spoke to assured me that I could file a dispute over the phone and did not need to mail in a written statement. I asked multiple times to be sure and they said the words " you do not need to mail in anything. I can open a dispute over the phone. '' I wrote down those words in my notes and recorded the individual 's name as well. He told me that there was no point in calling the original creditors or trying to question them about the debt, that it was too late and I Capio owned the debt and I needed to pay them. 

Before getting information that I requested and validation from Capio, I was able to determine based on the date they gave me that it was from a hospital I had an ER visit at in XX/XX/XXXX. Since I have been paying off a medical bill from that visit, so I was confused about an additional unpaid debt. 

I called the hospital that same day ( XXXX ) and I was able to discover that due to the hospital 's clerical error, they failed to make me aware of this additional bill of {$2300.00} ( which was less than the amount Capio Partners claimed. ) It turns out that the hospital had written down the wrong address on one of the documents, despite my driver 's license having my correct address, and so notice letters were sent to a different apartment. 

The hospital also revealed that Capio Partners had sent back the debt as " non-collectible '' in XX/XX/XXXX and so it actually was back in possession of the hospital. I paid the debt with the hospital immediately on XXXX. My balance with the hospital became zero. 

The next day, on XXXX, I received a confirmation email from Capio Partners that they were officially opening a dispute and would investigate whether the debt was valid. The pdf explicitly stated : " We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion of the investigation, we will inform you of whether our information was accurate or innaccurate. '' I never received any of the further information that I had requested about the original creditors or validation of the debt. I knew that when they did their investigation that they would see I settled the debt with the hospital, as confirmed by the hospital themselves multiple times including today. 

However, despite that fact, on XXXX Capio Partners reported the debt as past due to a credit reporting agency ( XXXX ) and when I called Capio they had to reopen a new dispute and told me to send my proof of payment to an email of theirs. This shows me they never did an investigation on the validity of the debt.
Product: Credit reporting or other personal consumer reports

I discovered that there are unauthorized charges on my consumer report that I dont recognize and I will like them removed from my report immediately.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX XXXX is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Bank of America and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Bank of America, XXXX XXXX XXXX nor the consumer reporting agency XXXX XXXX have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Bank of America and XXXX XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. 

Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Mortgage

Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.
Product: Mortgage

I brought the house on XX/XX/XXXX and during the closing, an escrow account was estimated {$550.00} monthly to cover my property taxes and insurance. My loan was to HomeLoanServ./ Idaho Housing XXXX. XXXX  XXXX XXXX, ID XXXX for servicing of the loan. On XX/XX/XXXX Loan # XXXX I received an escrow disclosure statement from XX/XX/XXXX to XX/XX/XXXX showing the disbursements of escrow payment and showing in XX/XX/XXXX they paid my taxes of {$2200.00}. and they are going to recalculate my monthly payments $ XXXXand refund {$5900.00} because this would be large surplus and they can't keep it. I decided to call HomeloanServ to figure out why there was such a large surplus, and they said not to worry about it this happens all the time. I made them aware this was a new build home so the taxes will go up XXXX year so I don't think they have this worked out correctly, they basically ignore my concerns. I decided to check my property taxes with the county and notice there was two mortgage companies paying my property tax - HomeLoanServ./ Idaho Housing and XXXX XXXX. On the payment history, I notice HomeLoanServ./ Idaho Housing was refunded the property for the 2018 year. I called and asked what happen they ignore my concerns and did nothing. I called again and they did nothing. In XX/XX/XXXX I decided to follow up again on the property for XXXX and notice again my taxes were paid by HomeLoanServ./ Idaho Housing and XXXX XXXX   again and HomeLoanServ./ Idaho Housing received another refund of {$5000.00}. I contact HomeLoanServ./ Idaho Housing again and question the issues and was ignored. Eventually a lady by the name of XXXX XXXX from HomeLoanServ./ Idaho Housing contacted me in XXXX XXXX asking me if I know who XXXX XXXX   was I told her no but I also let her know I brought this HomeLoanServ./ Idaho Housing attention from XXXX and I was ignored. She started telling me I should contact freedom mortgage and figure it out. I told her no I wouldn't be doing this because I have no affiliation with XXXX XXXX  this is a new build home and HomeLoanServ./ Idaho Housing is the owner of the loan whom I make monthly payments too so they should figure it out. After months of back and forth, I was told there was an error with property information by XXXX XXXX from HomeLoanServ./ Idaho Housing . XXXX XXXX handles the taxes escrow account for HomeLoanServ./ Idaho Housing , so she should have notice this error from XXXX when she received the first refund for the XXXX taxes but she ignored it didn't do anything to fix it instead she misrepresented the information on escrow analysis that was provided on XX/XX/XXXX and recalculate my escrow in error to {$550.00} to {$370.00}. Now was are in XXXX XXXX XXXX from HomeLoanServ./ Idaho Housing wants to say I have shortage of {$6800.00} & deficiency of {$4500.00}, this will change my monthly payments to {$2300.00} of which I can't afford. Home.LoanServ./ Idaho Housing and XXXX XXXX misrepresentation and negligence will cost me my home.
Product: Debt collection

This is a debt from 2004 for XXXX, it is not my debt and i have disputed it numerous times. They get rid of it and another one of these collection companies buys it and starts harassing me with letters and phone calls. I 'm really tired of being harassed and having my credit threatened by these illegal collection practices. I called this company and told them again it was not my debt and that it was from 2004. They said how do i know when its from if its not mine. I told them i have been fighting this for 13 years. Which by law is way past statue of limitations. They said your going to pay this. I said no i am not. They guy who refused to give me his name, well just sue you and ruin your credit then. i told them not to call my house or job again, do not mail anything else to my house, and it had better no show up on my credit report. The guy laughed and said they 'll call all they want.
Product: Debt collection

Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. 

I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. 

I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. 

Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX   dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX  EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. 

They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.
Product: Checking or savings account

Dear Consumer financial protection bureau, My name is XXXX XXXX and my bank account has been compromised.On XX/XX/XXXX around XXXX, I started getting emails that I`m transferring money to some unknown persons as well as I have changed phone number to person that I have transferred money before.I called bank immediately, but while I was waiting on customer service representative, they have already stole {$400.00} from mine and my son account ( {$200.00} from each account ) .I have spoken with customer service representative ( using same phone while they were draining money from my account ) and filled the claim.Few days after I did receive claims back, telling me that Bank of America will not honor the claims.I have called them again and I was told that they will re-consider claim only if I can provide proof from XXXX or XXXX  that my XXXX has been hacked? After hours spent with XXXX and XXXX, none of them are issuing any type of written documents that my XXXX is hacked.Also they told me that is impossible to clone sim card or to use same XXXX at two different locations ( what BOA just told me as excuse not to refund me ) .Bank of America issued a file where was stated that I did log in with my XXXX at the time when fraud happen in XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ) .I did not leave Maryland for last 6 months.Just came home from work when that happened ( Please see all collected documents attached from the bank and from my emails ) .Even IP address of hacker is provided.Bank simple ignored whatever I told them and at the moment I can`t get money back.There was another strange thing, that my two forms authentication did not work this time.Ususally then I want to log in, Im getting code on my cell phone, but not this time.In the mean time I made a phone call to the number I have found under recipient email, where money was transferred and follow up with email too.He received {$300.00} total ( XXXX  {$100.00} ), but no idea if he is involved in this fraud ( could be random choice of hacker ) and spoke with him and also exchanged emails ( copy of email included too ) .Latest update was that he would like to send me money back, but his XXXX account has been blocked as well as XXXX XXXX XXXX  account.I did report this to Police ( Case # XXXX ) and to IC3 sponsored by FBI. 
Please help me to get my money back.It has to be some customer protection from the bank or your side.
Product: Checking or savings account

Capital one has withheld deposits from many fellow users for almost 48 hours at this point. They have no resolution for customers and continue to ignore customers. This is NOT okay. Most of America lives paycheck to paycheck and there was no notice for customers of any kind explaining any problems. Instead customers are connecting with each other online through social media to find this out. UNACCEPTABLE BY ALL MEANS.
Product: Mortgage

Mortgage was sold to other parent company.Home owners Insurance was cancelled in XXXX. I didnt was notified. The new mortgage company found out in XX/XX/XXXX. They bought a Home owners insurance for XXXX and XXXX. My scrow and mortgage payments went up to XXXX XXXX From {$2000.00} to {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX left to remove the following accounts completely from my Credit File
Product: Mortgage

I closed on my loan with XXXX XXXX XXXX Mortgage on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that my loan was sold and none of the terms and conditions be would changed My loan was sold and Flag Star Bank   become the severer of my loan payments would be on XX/XX/XXXX with Flag Star Bank. I received a letter around the end of XXXX from Flag Star stating I did not have flood insurance I contacted Flag Star insurance department and gave them the policy number of my insurance and that my Home Owners and Flood policy were all in one they said ok and would update it. About month later in XXXX I received another letter stating I did not have flood insurance this time I contacted my insurance company and had them contact Flag Star to get them what they need once again I thought this was resolved since my insurance company rep told me they had contacted XXXX XXXX Mortgage who was the actual holder of my loan and that Flag Star was the severer of the loan and that they would let Flag Star know my coverage was good. A month later in XXXX I get a final notice stating I did not have flood coverage and they would purchase a force policy for XXXX dollars if I did not show proof of coverage for which I have already done three times now. I final sent an email to Flag Star and they responded on XX/XX/XXXX saying my policy was not good enough since it only gave a 30 day notice of cancelation instead of a 45 day notice so even though the policy was good enough and meet all the original lenders requirements at closing and was purchase out of my escrow paid in full account and is in effect from XX/XX/XXXX thru XX/XX/XXXX now that Flag Star is saying it's no good. I do not believe they should be able to change the terms or conditions of the loan after they purchase it from another company which meet all the original lenders requirements I could understand if Flag Star was saying at the time of renewal of your policy you will have to get an updated flood policy that meets the 45 day notice but they are insisting I get one now and that my current policy is not good even though it's been paid for and meets all of the original lenders requirement. They have currently took XXXX dollars out of my escrow and cause an escrow shortage. They also show in their letter that my old policy expired on XXXX XXXX I never had a policy that expired on XX/XX/XXXX there records are not even correct and they will not even admit they are incorrect. Also the forced policy they did for XXXX violates Texas Law they can not force you to cover land in your flood policy
Product: Credit reporting or other personal consumer reports

I experienced identity theft, and I am reiterating my request for the removal of the inquiry from my credit file, stemming from an alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any items no later than 4 business days after XX/XX/XXXX. I have previously addressed this inquiry in a prior communication, and I am restating it here, accompanied by my new FTC report XXXX XXXXXXXX : -- -- -- -EQUIFAX XXXX XXXX XXXXXXXX Additionally, the details provided regarding this inquiry are UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about its accuracy. This correspondence serves as notification that failure to REMOVE the specified inquiry from my report will prompt legal action. I have informed my attorney of my intentions, and they are prepared to ensure accountability for willful noncompliance. Consider this as your FINAL WARNING. Please proceed to REMOVE the INQUIRY resulting from alleged identity theft.
Product: Debt or credit management

Company promised to work with consumer doing COVID 19.

Consumer dispute the information of late payments.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX  XXXX, on XX/XX/2023 -- -XXXX, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
Product: Debt collection

THESE FRAUDULENT ACCOUNTS ARE NOT MINE AND MUST BE TAKEN OFF FROM MY REPORT
Product: Debt collection

North coast was removed from my credit report from collections and then it was reposted as an installment account and Ive never made agreement after it was removed from collections for installment payments. North coast randomly adding installment payments with XXXX missed payments is very damaging
Product: Credit reporting or other personal consumer reports

I received a letter from your company stating that I am working with a credit repair organization. I want to clarify that I am not using any third-party services. I am personally disputing certain accounts in collections and those with late payment remarks that I believe are inaccurate. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : I XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report. Please review my report, correct any errors, and update my records accordingly. 

It is important that my credit report is 100 % accurate, and I request a re-evaluation of my account. 

Thank you for your attention to this matter. I look forward to your prompt response.