23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX  is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX  so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently?

XXXX XXXX XXXX
Product: Debt collection

I am outraged and deeply disappointed by the unlawful and unethical actions of MRS BPO LLC. They are blatantly violating federal law and the arbitration agreement tied to this account, causing unnecessary stress and harm to my financial wellbeing. The agreement explicitly requires all disputes to be resolved through arbitration, yet MRS BPO LLC has disregarded this and pursued collection activities outside of the agreed process.

This is a clear breach of the contract and a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their reckless actions demonstrate a complete disregard for the law and the rights of consumers like me who trust that agreements will be upheld.

Their refusal to comply with the arbitration clause has resulted in a fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing significant emotional and financial distress. I feel powerless in the face of a company that refuses to follow the rules and actively harms consumers without consequence. 

I am angry and frustrated by their disregard for legal agreements and consumer protection laws. I am turning to the CFPB because it seems no one else is holding these companies accountable for their abusive and illegal practices.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX XXXX loan ( Account # XXXX  ) on my credit report based on the following legal grounds. I am requesting the immediate removal of this account due to significant inaccuracies and violations of federal consumer protection laws, as outlined below. 
XXXX. Violation of FCRA Accuracy Requirements 15 USC 1681e ( b ) Under 15 USC 1681e ( b ), XXXX is required to maintain the accuracy of the information included in my credit report. The past-due balance for the XXXX XXXX XXXX XXXX is inconsistent between your report and XXXX report. 
XXXX reports a past-due balance of {$16000.00}, while XXXX reports {$16000.00}. 
This discrepancy demonstrates that the information is inaccurate and unverifiable, and therefore, it must be corrected or deleted. 
XXXX. Improper Charge-Off Reporting Misleading and Unfair The account is listed as a charge-off, which represents canceled debt as defined under IRS Code Section 6050P .

Canceled debt is treated as taxable income, typically reported on a Form 1099-C. If XXXX XXXX XXXX has charged off this debt, it can not be legally reported as an outstanding balance. 
Reporting the account in this manner violates the FCRAs accuracy and fairness standards under 15 USC 1681s-2 ( b ), which require furnishers to ensure reported data is neither misleading nor incorrect.

4. Failure to Provide Opt-Out Rights 15 USC 6802 ( GLBA ) Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX was legally required to : Notify me of their intention to share my personal financial information with third parties. 
Provide a clear and conspicuous opportunity for me to opt out of such information sharing. 
To date, I have received no such notice. As this reporting is unauthorized, it must be removed from my credit report immediately. 

Requested Resolution I am requesting the following actions : Immediate Removal of the Account : Due to inaccuracies, unverifiability, and legal violations.

Proof of Verification ( if the account is not removed ) : Provide detailed documentation reconciling the balance discrepancy across bureaus.

Submit evidence that no tax cancellation ( Form 1099-C ) has occurred for this debt.

Provide a record of my opt-out notice under the Gramm-Leach-Bliley Act. 
Failure to comply with these requests will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Legal Summary of Violations 15 USC 1681e ( b ) : Reporting of inaccurate past-due balances.

15 USC 1681i ( a ) ( 5 ) : Inability to verify disputed information within the legally mandated 30-day window.

15 USC 1681s-2 ( b ) : Misleading charge-off reporting.

15 USC 6802 ( GLBA ) : Failure to provide opt-out notifications.

Thank you for your immediate attention to this matter. I expect your response and resolution within the 30-day statutory window, as required by federal law.
Product: Vehicle loan or lease

On XX/XX/2021 my fianc and I went into XXXX around XXXX with a preapproval from 2 days prior. After submitting all necessary paperwork we were told it would take around XXXX hours to finalize the process. We left around XXXX and received a call an hour and a half later saying everything has been approved and to come pick up the keys and sign final paperwork. upon arriving an employee pulled up our address on XXXX maps years prior to our move in and stated " the lender pulled up your address and because of how it looks the lender no longer wants to offer you financing, because there is no way a business is run in a house that looks like that '' a manager came to us about an hour later after being told to wait and handed us our paperwork and stated " we arnt able to offer you a car at this time '' I said " I have a right to know why we are denied after an entire day of waiting around and being told we were already approved '' He responded " no Actually you don't have that right, we don't have to tell you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are current unverified accounts on my credit report. I have contacted the company with in XX/XX/2019 listing the unverified accounts. They responded with that the accounts have been verified. They did not send me the requested contract from the lender nor did they show me what information they used to verify these accounts. I sent a second letter attached below and got a will not reinvestigate as a response. This letter only was requesting a copy of the original documentation, which is required under section 609, used to verify the accounts and to delete all accounts which can not be verified. These unverified accounts are causing me stress and inhibiting my ability to obtain personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an illegal public record. Report XXXX  XXXX claims this was certified via XXXX XXXX 

I find myself enraged, considering on XX/XX/23, XXXX XXXX certified to the CFPB that no Bankruptcy records are showing on my file.
Product: Mortgage

They simply have no way to contact them other than mail. I go to the website and log in. I then navigate to the Contact XXXX section, but that opens a new browser window where I am no longer logged in, and in order to send them a secure message, I have to be logged in. So I tried their XXXX number, but an automated voice says " We are experiencing high call volume, try our call-back service instead '' and then nothing happens. 

In 2023, the company that bought my mortgage ( I had no say in the matter ) shouldn't be allowed to simply not offer any immediate form of customer service, especially when they advertise both options on their website only to have them non-functional. I'm fed up with being forced to use such a poor company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my Credit report dispute my submission, Equifax consistently responds within 24 hours stating The account is accurate. Without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ) 15 U.S.C 1681i, Which mandates A reasonable investigation of dispute furthermore, Equifax ask May also contravene the consumer federal protection act ( CFPA ) 12 U.S.C. 55 ( a ) ( 1 ) ( A ) - ( B ) as is highlighted in the CFBs recent administrative proceeding XXXX XXXX. XXXX XXXX ) against them for similar violations. ill request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

a store credit card for Home depot was opened in my name and has a balance and says i owe money this was fraudulent and is not my account.i am being harrassed by a collection agency.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, I attempted to log into my checking account online. The account was locked, so I called the bank. I was informed that five-wire transactions had occurred in my account. I file a fraud claim because I did not perform the transactions. I have called the local chase bank location, the corporate office, and the FDIC. I have received calls back to tell me that the issue is still being investigated. Over {$2800.00} was taken out of my account in their bank under their security. I'm so frustrated. I have never wired money, nor have I ever sent money out of the country. This money is used for my daily living, and I have been on hold for too long. Please let me know what other options I can try. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 US code1681 ( b ) State that Credit Report Agency ( XXXX, XXXX, XXXX ) doesn`t have the right to report anything on your credit report without a written consent, I never gave written consent.

15 USC 1681 a ( 1 ) ( a ) defines consumer reporting agency, " as any person or entity which for monetary fee or dues, regularly engages in the practice of an assembling or evaluating consumer credit information of furnishing consumers reports to third parties.

Essentially it defines the entities that collect and report to third parties and provide consumer credit information to others for a fee as consumer reporting agencies under the FCRA. 

National Credit Adjusters- ( {$2800.00} ) account # XXXX, Opened XX/XX/2023, with collection agency ( 15 USC 1692g ) submit Validation the debt, with name of original credit with original contract with my Signature on it, and payment history.

This is on my Credit report Thank you
Product: Credit card or prepaid card

On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the card.
Product: Debt collection

This company continuously reports this account on my credit report without providing any documentation to back up this claim. They have only sent me an invoice. I have reached out to this company and the hospital and I haven't heard or received any documentation to prove that I owe this money. I've never went to this hospital and a claim was never filed with my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My idenity was used to get medical care from XXXX XXXX XXXX XXXX XXXX. I have never received medical care from this company. The account was sent to Americollect and it is seeking a payment in the amount of {$220.00}. I request that Americollect terminate this account and stop sending payment request for said account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Weekly calls to my number for someone else. When asked " Can you stop calling me? '' the answer is " I didn't call you, we have a diah-ler '' and then they hang up.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am enclosing all documents. 
Case # XXXX Date of Reservation : XX/XX/2021 Merchant XXXX Sales and Capital One. Amount of transaction {$570.00} Refund Booking # XXXX On XXXX XXXX I reserved a car thru XXXX in my sisters name XXXX XXXX, she was traveling with my mother XXXX XXXX a hospice patient. In flight my mother ran out of oxygen in flight and could not fly. I called XXXX to cancel this reservation because my sister said she didn't think my mom could travel. My sister is her caretaker and a LPN. She stated that the her oxygen equipment was faulty. When I called XXXX and explained the situation they sent me a notice of how to get a refund. I followed what they told me. I called my credit card company and started a dispute just in case. Next when I sent XXXX information they asked for they would not accept it. I then sent it to Capital One and they would not accept it and sent me a letter.
Product: Checking or savings account

On the Regions ATM machines, they claim to accept XXXX bills at a time. I confidently put my XXXX XXXX dollar bills that we had just received from selling our car to deposit into our checking account to pay off a card. The machine took my money, returned my card and issued me a receipt saying that There was an issue returning my cash and for me to contact my financial institution immediately. I did not move. I called the bank from there and even inserted my debit card again to assure myself that the deposit and withdrawing options were unavailable, which they were. I attempted with two cards. The bank opened a claim and told me it could be up to 10 days. I called a few times and they continued to tell me it hadnt been 10 days. The 10th day came and went. I called and they had closed my claim saying there was no merit in depositing the money in the clients account. I told them they were robbing me and calling me a liar. They reopened the case using the picture of the receipt that the atm gave me. I reminded them that there are cameras and that I inserted my other cards. They were able to see my other actions and the error of the atm. I am still waiting to he contacted and for my money. They are thieves and treat their customers like liars
Product: Credit reporting or other personal consumer reports

XXXX XXXX of Late Payment on Closed AccountI am writing to XXXX the late payment reported on my XXXX XXXX  for the following Account NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> This account was closed and paid in full on XX/XX/year>. I request that you remove the late payment from my XXXX XXXX as it is no longer accurate or relevant. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I XXXX this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current XXXX.I have attached documentation supporting my claim, includinXXXX  Proof of payment and account XXXX XXXX of credit report highlighting XXXX informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Offices of XXXX and XXXX XXXX XXXX XXXX ( no street address ) XXXX, CA XXXX ( XXXX ) XXXX Called me XXXX/XXXX/XXXX @ XXXX XXXX from ( XXXX ) XXXX ( XXXX XXXX TX XXXX ) robocall stating a package was undeliverable and to call back at a XXXX area code number. I called the XXXX and was connected with XXXX. Original creditor was XXXX XXXX. Amount charged off was {$2700.00} with {$43000.00} interest - a total of {$7000.00} on XXXX/XXXX/XXXX. They are filing a XXXX, as current creditor, for the full amount if I do n't pay {$2100.00} by XXXX/XXXX/XXXX. The originally mentioned they have a judgement against me from court. I was never notified. 
I had mentioned XXXX XXXX hadcollected {$1000.00} from me in XXXX XXXX to pay off my Providian account. I was told it was n't the same account.
Product: Credit card

This transaction happened on XX/XX/2023 XXXX I went to a gas station in my local area and I went to gas station pump the pumps have XXXX XXXX as my credit card is the XXXX credit card. 
I used XXXX XXXX on the pump and the pump didnt go through the first time the pump showed XXXX as I had been charged nothing. So I then went inside and paid {$XXXX} on XX/XX/2023 at XXXX using my XXXX XXXX inside the gas station. That was the correct charge the {$XXXX} Then the next day I see a charge on my credit card of {$XXXX} from the same shell I was at the transaction was XXXX minutes before my actual transaction. I think the pump scammed my card and my bank Goldman Sachs Ive been trying to dispute the charge for over a year. Every time I dispute it, the charge comes back as in favor of the merchant. I called my credit card company and they told me the merchant had provided proof of the purchase on XX/XX/2023. I asked for proof of this because how would they have proof of a transaction only if they really did wrongfully charge me {$XXXX} unauthorized. My credit card company said they would email or mail the proof and havent. Ive reached out to the XXXX and they are no help and tell me to talk to my credit company and my credit card company wont help me so I would appreciate the help thank you please reach out if you need more info. The only proof I have are of the transactions on my credit card.
Product: Credit card or prepaid card

After finally receiving my unemployment benefits payment from the summer during COVID pandemic, I was relieved my family was finally able to begin paying and taking care of various expenses using the Brinks prepaid card. After initial deposit I used the card as our main source of household payments and income. 

It was only after I took closer look at my statements from XXXX and XXXX that I realized we were being charged {$1.00} fee per transaction which amounted to well over {$500.00} in under 45 days. 

While I realize this was mentioned somewhere in the fine print without access to the internet during the pandemic I was unable to view my statements nor did I ever expect such an abusive and predatory fee structure. 

I have since changed my account to the XXXX XXXX  monthly fee but I dont feel its fair to have to pay over {$500.00} in fees when its all being taken from government benefits meant to help us during pandemic. 

I request a refund of the fees from XXXX and XXXX and to be charged the XXXX XXXX  monthly fee instead as courtesy and show of goodwill considering my situation. 

Thank you XXXX XXXX