23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this supplemental complaint against XXXX XXXX XXXX due to continued concerns regarding their billing practices, lack of fee transparency, and disregard for the Collection Policy adopted by the XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX. 

Despite my proactive efforts to resolve my delinquent HOA account, the payment plan provided by XXXX continues to include vague and non-itemized monthly charges, offering no clear breakdown of how each {$280.00} payment will be allocated ( i.e., toward assessments, administrative fees, or monitoring costs ). This directly contradicts Section XXXX of the HOAs Collection Policy, which requires that payments be applied to assessments first, not to collection costs.

In addition, XXXX most recent agreementsubmitted as part of their response to the CFPBshows an increase in collection-related fees compared to the XX/XX/XXXX, itemized statement provided by the HOAs own legal counsel. There was no notice or explanation of these increased charges, and no updated fee schedule has been provided to justify them. This raises serious concerns about transparency and billing integrity. Section XXXX o
f the HOAs Collection Policy requires 30 days written notice to homeowners for any change in fees. I have never received any such notice from XXXX or the HOA. Instead, I was forced to rely on the fee schedule previously shared by HOA legal counsel, which XXXX later claimed was outdatedyet they still have not supplied the current version. 

Furthermore, the agreement includes embedded charges for future monitoring fees ( $ XXXX for XXXX months ) and a {$120.00} agreement drafting fee, both of which are billed in advance and incorporated into the total delinquency amount, increasing the financial burden on the homeowner without explanation or itemization. 

Despite numerous requests, XXXX has failed to properly validate the debt, clarify how fees are calculated, or provide a transparent explanation of what homeowners are being asked to pay. Their agreement continues to include lien threat language, stating that the XXXX may record a lien if any installment is missedeven after I entered into dispute resolution in good faith and agreed to repayment under significant pressure. Section XXXX of the Collection Policy requires a lien to be authorized in an open board meeting and recorded formally, not presented as a default trigger within a vague, fee-heavy contract. 

Given that XXXX has continued to raise fees without notice, failed to properly validate the debt, applied fees inconsistently, and front-loaded administrative costs in a way that contradicts HOA policy, I believe these practices reflect predatory, non-transparent, and anti-consumer behavior. 

I respectfully request the CFPB investigate these practices, especially XXXX use of vague billing structures, pre-billing of future charges, and failure to provide consumers with current documentation that justifies the amounts they are required to pay.
Product: Debt collection

I am writing to file a formal complaint regarding a concerning issue with XXXX XXXX, a medical laboratory, regarding a bill they have submitted to a collection agency in the amount of {$240.00} for services rendered on XX/XX/2023. This action by XXXX XXXX directly violates a recent law prohibiting medical bills under {$500.00} from being sent to collections. 

According to the new law, medical bills totaling less than {$500.00} are not permitted to be forwarded to collection agencies. However, XXXX XXXX disregarded this regulation by sending the bill to collections despite it falling well below the specified threshold. 

In addition to the violation of this law, I was not informed by XXXX XXXX that they intended to send this bill to a collection agency for debt. Lack of communication on this matter has further compounded the issue, leaving me uninformed and distressed. 

This egregious violation not only contradicts the spirit of consumer protection but also creates unnecessary financial burden and distress for individuals like myself. Medical bills, especially those of modest amounts, should not be subject to aggressive collection tactics, as they often exacerbate existing financial hardships and can negatively impact credit scores. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their non-compliance with the law. Additionally, I request that measures be implemented to ensure that such violations do not recur in the future, safeguarding the rights and financial well-being of consumers nationwide.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Money transfer, virtual currency, or money service

Money that was transferred to another account by accident and I was unable to retrieve the money back.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting or other personal consumer reports

The balance on this account was {$620.00}. I paid {$400.00} on XX/XX/XXXX. They have reported my payment late and sent my account over to Credit Control LLC. as a collection account. 

I called them XX/XX/XXXX to report this error. They said they would investigate and get back with me, which they never did. I received another email from the collection company again on XX/XX/XXXX about the same collection. 

I called back XXXXXXXX XXXX XXXX to follow-up with this error. I told them they reported me last when I paid a large portion of the balance off. They tried to respond this account was late the last two months, but these charges showed up this month on the XXXX, and XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card

I made a withdrawal for {$400.00} on my Chime credit builder card on XXXX. The cash retracted into the atm due to " the transaction timing out '' and advised that I contact my financial institution. I was unable to start a dispute until XXXX as the transaction was still " pending '' on my account. I was advised yesterday that my dispute was resolved and that I would be getting charged for the {$400.00} I never received. I called and requested more information, a rebuttal on the dispute, a call from the " investigators '' to provide information and that the documentation of said investigation be sent to me via email. I would like help/advice on what I should do next, as it has already almost been XXXX XXXX an now may take up to XXXX more for them to reach a new resolution on the matter. I am 100 % confident that the atm I used would be + {$400.00} for XXXX. Please advise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 1681 c. ( 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: Credit card or prepaid card

Did you recieve the Id theft report that I sent directly to you and through the cfpb? 

If so, then why are you not following the fcra and the ftc guidelines? 


ADDITIONAL RESPONSIBILITIES Victims of Identity Theft When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) If a CRA notifies you that a debt has resulted from identity theft, you may not sell, transfer, or place that debt for collection. FCRA 615 ( f ) ( 1 ) If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) If you find that you furnished inaccurate information due to identity theft, you must promptly notify each CRA of the correct information. Going forward, you must report only complete and accurate information. FCRA 623 ( a ) ( 2 ) If you provide credit, goods, or services to consumers, you may be required to supply application or other transaction records to an identity theft victim or law enforcement officer, if they ask. FCRA 605B ( f ) 615 ( g ) If you establish or extend credit plans or accounts, you may be required to follow certain steps to verify a consumer 's identity when you see a fraud or active duty alert on his credit report. FCRA 605A ( h ) ( B ) ( ii ) NON-COMPLIANCE If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
Product: Debt collection

This complaint is regarding a collection account in the amount of {$95.00} held by Online Information Services XXXX Inc. of XXXX, NC. 
I was never contacted by this company regarding this account. I was made aware of this collections account after a routine review of my credit report. 
I initiated contact with the company by telephone on XX/XX/XXXX in order to gain further information regarding the account. I was unable to gain the necessary information to validate the debt through the phone communication. I verified all of my contact information with the collection company and asked why I had not been contacted regarding this debt prior to it being reported to the credit bureaus. The representative stated that attempts had been made to contact me. I disputed this claim. I stated that due to the nature of my business, my credit standing is of the upmost importance. I explained that my all 3 of my credit scores are in excess of XXXX, and that I have not missed a single payment in over 30 years. I pay my bills. 
At this point, this was the only communication I had regarding this debt from this company or the utility company from which the debt was acquired. 
On XX/XX/XXXX, I sent a request for validation of debt letter to the company via certified mail. Records show that this request was received by the company on XX/XX/XXXX. 
As of this date, XXXX, XXXX, XXXX, I have still received no communication from Online Information Services XXXX XXXX regarding this account. 
Due to the mishandling of this account by Online Information Services , Inc. and the failure to comply with the FDCPA I am requesting that all references to this account be deleted from the 3 credit bureaus.
Product: Student loan

Great Lakes refused to remove an email off of my account ( first rep said she would remove it XX/XX/XXXX XXXX am. second rep called it out and said they had to leave it on XX/XX/XXXX XXXX ( even if I DID NOT give the EMAIL to them??? ). Doesnt make sense!! 
Prior to these dates that I called both dates Great Lakes requesting loan information and when I spoke to rep she verified me and called out an email that I did not give to any loan servicer. That email was not on my account- I had none listed just a phone and address ( XX/XX/XXXX XXXX pm it confirmed something regarding my loan account - there has been access to my fafsa recently and great lakes account in past ( I received a mailing in a Great Lakes envelope with an online printout that only a user could access- not general things they send out. Also with fafsa I had to change email again because some one got in and changed it to either an old one ( hacked or another ) and I was only able to get in through my phone # but I shouldnt have because it was not verified on fafsa account. Whoever was in it they waited until I was in the hacked email and then they signed out ( it said I was signed in another location ). Late XXXX  I signed into fafsa and noticed XXXX promissory note gone ( XXXX and my name was hyphenated ) I was in there mid XXXX so I know it was removed between XXXX of XXXX. A rep from dept of Ed said it wasnt there anymore XXXX XXXX she was also was concerned about Great Lakes ( maybe even Nelnet I told her ) having my fafsa ID and told me to block account or change it. Its been crazy and I dont trust either servicer. Loan info mixed up based on documents I found - someone modified information on loan account - I recall Great Lakes asking me about my consolidation- who was it through-? if they owned it? Wouldnt they know? Totals off with loans they sent to Nelnet should be less and type of loans is wrong ( not flep ). My loan info is being manipulated and someone is pretending to be me am I supposed to not protest - inaccurate info/ loan info etc. each time I do I get backlash/ harassed and my phone compromised- etc more.. Did dept of Ed Great Lakes get Hacked they said they ( XXXX ) were letting go Nelnet and Great Lakes. We need help out here!!! I pray truth will come out soon!
Product: Credit card

We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries reporting to my Credit Report that were not made by me. The inquiriesconsist of : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX, Personal Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXXINQUIRY DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX BANK XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Bank XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both   XXXX   and  XXXX  for fraud but are still showing on Experian.      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX