23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Professional Claims Bureau , Inc. ( " PCB '' ) sent letter demanding {$20.00} for debt owed to Dr. XXXX   XXXX XXXX for a medical appointment on XX/XX/2019. The {$20.00} apparently represents a co-payment.

A co-payment could never be due from Dr. XXXX because you are never allowed to see him unless you make the copayment before he examines you.

Each time I called PCB, they transferred me, and then the new person disconnected me. Each time I tried to send a fax to the number on their demand letter the fax would not go through because the line was busy.
Product: Student loan

I recently had a student loan transferred from XXXX XXXX XXXX, the original loan servicer with whom I had placed the application. The loan was transferred to Firstmark Services unilaterally, without my consent. I attempted to obtain information regarding this loan because I suspected that the terms on which it was being serviced differ from the terms on which I applied. I attempted to obtain this information via XXXX XXXX XXXX first but was unsuccessful, which I have since filed a complaint with the CFPB regarding. Nonetheless, the last thing XXXX told me was that I could obtain the documents that I am seeking from Firstmark Services. I called Firstmark Services ' customer service hotline and was informed by the agent that I could only receive Firstmark Services ' documentation of the purported loan terms, not the original documents created by XXXX at the time of the loan application and disbursement. These documents would be on Firstmark Services ' letterhead, they told me. I told them that this was inadequate, as it did not provide proof of the original loan terms, only purported terms. Nonetheless I agreed that they could send me their documents. The agent informed me that the documents were being sent and that I could check my email account for them. I did so, refreshing repeatedly while checking every inbox including the spam folder. I informed the agent that I did not receive the documents. She then pretended that she could not hear me and hung up. It has now been approximately 15 minutes since she hung up and I still have not received the documents. I then called back and a new agent answered. At my request, she put me on with a supervisor. The supervisor explained that the documents the original agent sent were not the documents that I had requested - instead, she had requested for me to be sent a payoff letter and account statement. The supervisor then indicated that I could in fact receive the documents I had requested in their original form on XXXX letterhead. She stated that she would put in a request to have those sent to me and I could expect them in 2-5 days. I stated that I would like that request to be made. Nonetheless, we have a situation where I had to escalate to a manager just to receive documents that I am clearly entitled to as a consumer. This is a pattern of behavior that I see with many companies where they create customer service barriers to discourage legitimate customer service requests. Accordingly, I still think this was an abusive practice and I would like to report it.
Product: Debt collection

The following letter was sent to the collection agency regarding account balance of {$490.00}. 

Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law.
Product: Debt or credit management

I am writing to formally file a complaint against Beyond Finance for deceptive and misleading business practices related to their debt settlement program. I enrolled in their program in XXXX to settle my outstanding debts, and at the time of enrollment, the representative did not disclose critical details about the fees associated with settling my accounts. 

Recently, I attempted to pay off one of my enrolled accounts, for which I had already submitted {$1900.00}. However, I was then informed that I must pay an additional {$1000.00} due to a 25 % settlement fee that was never clearly explained to me during the enrollment process. Upon questioning this charge, Beyond Finances customer service representative stated that it was part of the agreementyet this fee structure was not made transparent when I signed up. 
This is not the first account that was paid off and never was i approached with the 25 % fees. 
I currently have three remaining accounts in the program, and I am now learning that I will be charged a 25 % fee per settled account, and on the original amount of the debt. which significantly increases the cost of the service and contradicts the impression I was given at the time of enrollment. Had I been made aware of these excessive fees upfront, I would not have agreed to participate in their program. 

I just paid off the remaining amount owed to XXXX in the amount of XXXX when i requested to pay it off there were no mention of 25 % fee. I was simply told that it will be paid on XX/XX/XXXX which it was. On that day i notified of the additional deposit of XXXX to pay off the XXXX XXXXXXXX account nd was told it will be applied on XX/XX/XXXX. 
when i called today i was given a different story. I asked to be provided to satisfactory letter and was told that has to come from the creditor and that they do not keep track of this document. 

Beyond Finances failure to fully disclose these charges appears to be an unfair and deceptive business practice, which may violate consumer protection laws. 

I respectfully request that the FTC investigate Beyond Finances practices and take appropriate action to ensure transparency and fairness for consumers. I would also like to know if I have any recourse to dispute these fees or seek a refund for the misleading information provided. 

Please let me know if you require any additional documentation. I appreciate your time and assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
Product: Debt collection

I am writing to bring to your attention a serious issue regarding a collection agencys conduct in violation of consumer rights and federal regulations. The collection agency in question, Midland Credit Management, has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I believe that Midland Credit Management is engaging in false and misleading misrepresentation and deceptive practices. They have proceeded to furnish information to consumer reporting agencies without furnishing me with all disclosures mandated by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

This conduct not only violates my rights as a consumer but also contravenes federal regulations designed to protect consumers from unfair and deceptive practices in debt collection. I am deeply concerned about the impact of such actions on my financial well-being and creditworthiness.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Midland Credit Management. I also urge the Bureau to ensure that my rights as a consumer are upheld and that I am provided with the necessary protections afforded under federal law.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Product: Debt collection

The company repeatedly called in one day even calling after XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed dispute of dispute on this information on my credit because the amounts are inaccurate. I was granted a move out from my apartment due to safety reasons and was told that I could do so with no penalties or charges the information keeps opening and closing on my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App fail to take timely and efficientive measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2022, a family member requested a balance transfer of {$8000.00} through her bank XXXX XXXX XXXX XXXX ) to be paid on my account. Because the check came on my family member 's name and the account on the check had some digits 'X'ed, Citi Bank couldn't identify the account to apply the payment to, so they sent my family member a letter ( after cashing the check ) asking for the account # to apply the payment to. After faxing the form Citi Bank 's Payment Investigations department sent us several times and calling their customer service several times as well and being promised of follow ups, nothing has really been resolved. Citi Bank is XXXX illegally banking on some money that is not theirs, they're not either retuning the money back to original sender or applying the payment on the account we wrote on the form they provided us.
Product: Debt collection

In XX/XX/2001 upon my XXXX  XXXX. I instructed the ambulance to take me - from the airport to XXXX XXXX XXXX- because I have a charity care with XXXX XXXX. However, they decided to take me to XXXX XXXX I didnt know where this was at the time because I was in so much pain and couldnt breathe. 
However, upon getting to south XXXX it was decided upon that I needed immediate XXXX and it was done- but, I needed XXXX again & was transported to XXXX XXXX XXXX my request- but, medical situation dedicated otherwise. 
I was transferred and while being there I spoke to the nurses/doctors/social worker/s regarding my no insurance. It was taken into consideration and was given the speech on financial assistance -FAP . Upon release I wasnt given those documents- long story it was horrible to say the least And now we are here. So, Im surprised at this juncture Im reported to collections without given lawful ways via FCRA etc and calls after calls by agency how do i correct this? Also, they have placed these bills on my credit report Ive reached out to the agency twice and still no changes. Ive also contacted the hospital where they are willing to work with me for financial assistance but the bills keep showing up on my credit report even after I told the credit reporting agency - XXXX  and they have done nothing.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed a series of fraudulent and abnormal charges on my debit card for what appears to be cryptocurrency exchanges that I did not authorize. Some of these charges were blocked and two separate charges were cleared and, since this is my debit card, the funds immediately withdraw from my checking account. The two charges are {$3000.00} and {$1000.00}.

Upon noticing, I immediately contacted Bank of America 's fraud team to report the fraudulent activity, review my account and filed a claim. I shut down the card and they are issuing me a new one. It is a very stressful and taxing process to try to get ahold of anyone at Bank of America over the phone. After waiting for more than 20 minutes to speak to someone, the rep basically told me that had I been monitoring my online banking daily, I could have called and notified them before these transactions were able to be processed which, while I will certainly do going forward, is unacceptable.

The rep I spoke with at Bank of America said that the transactions received approval via text automation which I did not do. I have no idea how someone could have stolen my identity in order to do this so I have also contacted my wireless carrier, put a freeze with the credit bureaus, and am in the process of filing a police report. I am doing a lot of research on resources to effectively handle this and am shocked at the level of technological sophistication scammers operate today. 

I am a recent college graduate with significant student debt, rent expense, am saving for graduate school and am also assisting to support my family financially. With COVID, my income has been severely impacted and as a result of this, I can not pay my next month 's rent or even cover basic living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting inaccurate late payments on my credit report. I had requested an extension on my payments, and have the documentation to proof so. I should not have lates reporting on my credit and I request that Chrysler report payments as agreed. I should not have any lates for XX/XX/2020 and XX/XX/2020
Product: Credit reporting or other personal consumer reports

i noticed my creit score dropped by XXXX  points and i called XXXX and said that i had 30 hard inquires on my account. I did not authroize4 these transaction. and i would like them removed
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to the financial institution to ask for the payoff quote of my loan. I knew my last payment was on XX/XX/XXXX, I just didn't know how much would be the amount. When I get my letter stating the payoff balance, the amount was {$2300.00}. When I asked the assistant Manager, she stated that it was in result of the loan extension that was automatically applied to my account due to the Hurricane Maria emergency and that was the amount to be paid. I was not able to analyze the information at the moment of receiving the payoff letter due to my agenda. After reviewing the letter and seeing the outstanding balance being almost half of the initial unpaid principal balance ( {$5000.00} ) at the beginning of the loan back in XXXX, I realized that this was an unfair, deceptive and abusive practice. Once I went to the branch to discuss this high amount of the last payment, on XX/XX/XXXX they advised me that the interest for the loan extension had been accruing interest for all these years even though I never agreed to the terms and conditions of the alternative and it was automatically imposed on all customers. I never had the opportunity to refuse or sign any document or contract that stipulates that I was in agreement to the loan extension, and never got any letter stating the same terms and conditions being applied to my loan account. They advised me that there was nothing they could do to solve the matter and advised me to request the loan history with the customer service department but they could not provide details regarding balances of the account.
Product: Checking or savings account

I went to go deposit money on XX/XX/19 and i put in about 300 but the ATM didn't take the XXXX so it took only XXXX and even after that the ATM was still unsure and asked me to guess the amount of money i deposited. i made sure it was the correct amount because i counted the cash i had and i was missing XXXX. therefore i deposited XXXX then the tam said the transaction was going to be reviewed, and i was given provisional credit. so i then went and used the provisional credit then i was charged for the credit i used. after that i filed a dispute and after a while of having my dispute reviewed i was told that they couldn't do anything and i had not deposited the correct amount. and also when i reviewed the activity on my account it says that i deposited a check, when i never i deposit checks and always cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 53 days 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 Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXXs Acct # XXXX has XXXX XXXX XXXX. 

15 USC 1681 Section 602 A state I have the right to privacy.

15 USC 1681 Section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I've received XXXX letters stating I owe differing amounts, most recently {$610.00} for animal wellness plan that was auto-renewed without my permission, signature or initials. I have a copy of the contract to prove. After filing a dispute with my bank- XXXX XXXX, they investigated the first amount charged {$47.00} on XX/XX/ and the claim was resolved in my favor because they vendor could not provide proof that they had my permission to auto renew the annual membership. This is a scam by XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. I have made numerous attempts to contact the company unsuccessfully and to cancel my membership and could not reach anyone. Their automated system does not even recognize my phone number linked to my original account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat THIS item IS being reported correctly? Who verified THIS item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX
Product: Student loan

I found out inXX/XX/2021, while applying for a school program someone had taken out three student loans in my name without my knowledge. The purported lender is Boeing Employee Credit Union. I immediately contacted them and was told I do not hav3 a loan with them. I asked for a clearance letter or notification In the system that I did not have any delinquent loans so I could pursue my career. They refused to give me one. Thus is NOT my loan. I have enclosed an identity theft package.
Product: Credit card or prepaid card

I have received in mail mid XX/XX/2020 a US Bank ReliaCard that I never requested. No accounts with US Bank. I did some research and appears there is a situation on state of Colorado with scam on unemployment cards. Not certain this is part of it but I dont live in that state nor have I filed unemployment as I am retired. I have tried to call phone number listed but dont want to activate the card and it is asking for all my personal information. If a scam I dont want to give it out. Please advise
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounted unresolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed despite the evidence i provide .causing ongoing harm to my credit standing. .I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my right as a consumer