23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to make sure this company charged my insurance for the claim pending. Please have customer support help me address the collections on my account. While I was sick  I had to go to hospital and have XXXX in which the collections are coming and I have medical insurance to cover my bills.
Product: Mortgage

I was previously with XXXX XXXX for my mortgage company. I got behind on my payments and was approved for a loan modification in XX/XX/XXXX. I paid the payments on time each month and completed it but then my loan was sold to Shellpoint Mortgage. All of the paperwork for the loan modification were signed and returned to XXXX XXXX so when I talked to someone at Shellpoint, I was told they didn't get all of that and the loan modification should be completed by the end of XX/XX/XXXX. Each month I would call and make my payments and was told that it wasn't completed yet and they apologized for it taking so long. In XX/XX/XXXX I was informed I needed to pay almost XXXX XXXX dollars and once that was paid, they would be able to complete it. I paid it and on XX/XX/XXXX I called to inquire and was told I needed to pay XXXX in order to complete the loan modification. In addition to all of this Shellpoint Mortgage has reported me monthly for defaulting on my loan so as I wait for them to do this my credit is decreasing.
Product: Credit card or prepaid card

I've reached out to this merchant to resolve the dispute to no avail
Product: Credit card or prepaid card

Capital One openly admitted on a call this morning, that the paperless statement reminder that I am supposed to receive has failed to generate, therefore I have not received any statement or statement reminder from Capital One. I requested they remove the late charges of XXXX for every month that I paid late from this error on their behalf. They said they can only remove one XXXX late fee, even though they've charged me at least 4 times since XX/XX/2020. 

My email address they had on file is correct, because like clockwork every month after the due date ( which I don't even know what day it is ), I get noticed that I missed a payment
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX New Jersey. I was given a warranty through XXXX XXXX XXXX and financed through Westlake Financial. The vehicle cost XXXX and I put down XXXX on the car. However in XX/XX/XXXX the engine of the vehicle overheated. After contacting the dealership and the warranty company they both refuse to take responsibility and give me my money back and end the contract.
Product: Prepaid card

On XX/XX/23 I submitted my direct deposit information to Comdata to direct my wages to my XXXX checking account. As of today XX/XX/23 all my wages continue to go to my payroll card. Incurring fees and incontinence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor violating my rights I have the right to privacy, a consumer reporting agency, can not furnish my accounts without my written consent
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent out a letter to XXXX, Equifax and XXXX in regard to XXXX ( XXXX ) incorect creditors on my credit file ( XXXX ). 

this was my XXXX time requesting the information from the credit bureaus with no real/legit investigation given from the credit bureau ( s ). My third and final letters before escalation was sent out USPS Certified mail, The following are receipt numbers for the certiied letters sent out : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Each certiied letter contained the incorect creditor/file that needs to b removed from my credit file due to the items being incorrect and not belonging to me. As a consumer and by law uner FCRA the furnishing companies ( XXXX, XXXX, equifax ) has a legal obligation to furnish information that is 100 % accurate annd true, in which they are not and have not an being that this is my XXXX attemot to get these items remove I know that they only have 15 days to do so. The allocatd time has passed and they have not uphl their duties resulting in " Unfair business Practice '' also " unethical Business '' Under FCRA 15 U.S. Coe 1681 ( b ) ( 2 ) Consumer Address must be updated and reported correctly. The only and correct address that should be reporting on all of my credit files should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent in proof ( utility and ID with correct address and requested the removal of incorrect addresses, My creit file as of today still has NOT been corrected. 

Equifax, XXXX and XXXX have all violated my consumer rights under Codes : 15 U.S. Code 1692 15 U.S. Code 1666 ( b ) 15 U.S. Code 1601 these issues are damaging my livelihood and my ability to obtain credit tremendously!
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES 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, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX Dated XX/XX/2023 XXXX XXXX XXXX Dated XX/XX/2023 Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have permissible purpose and proper authorization to access my credit report. Since I was not approved for credit and I do not recall signing any explicit authorization allowing these inquiries, I am requesting immediate removal. 

I kindly ask that you provide proof of signed authorization for each inquiry listed above. If you can not provide such documentation, I expect the immediate deletion of these inquiries from my credit report. 

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance with federal regulations. 

I appreciate your prompt attention to this matter and request a written response within XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for {$3000.00} loan from regional finance company in XXXX CA after seeing my chances of approval is outstanding. they called me and asked for different proofs like identity, employment and address living proof. I provided them with everything including my employer paystubs, bank statements, my ID and social security as well as I answered all their questions. One of their accountant or bankers said that I am faking my paystubs, and they refused to give me my approved loan based on what they mentioned in the beginning. Also, they placed a hard inquiry on my credit report. I told them to contact my employer to verify my employment info, they refused. I have a legitimate paystub, I even provided them with my bank statements, company check that shows the company name and how much I am getting paid monthly and additional paystubs. they declined my offer for no legitimate reason.
Product: Credit card or prepaid card

Hi, I called Citibank Credit Card services over 20 times and their customer service is unprofessional. I've been trying to be able to add authorized users to my credit card since I ' m allowed up to 10 people, and Citibank gave me a hard time to add 5 people. I tried to add the 6th person on XX/XX/2019 and Citibank wouldn't allow me. They said I have a block on my credit file. I called all three credit bureaus, XXXX, XXXX, and XXXX numerous of times and they do not have a freeze or security hold of my credit file.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and Experian Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and Experian both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my report.
Product: Money transfer, virtual currency, or money service

Paypal is somehow connected to synchrony bank.

Whenever a paypal transaction is made it transfers to synchrony and they are the ones who accept payments billing etc. 
I attempted to transfer money to an individual thru paypal and it went to the wrong recipient. 
I mmediately notified pay pal and they advised me to collect funds back from the unintended recipient. 
Of course that did not work. Then they told me synchrony is where i should direct my problem and in turn synchrony told me to direct my problem back to pay pal. Neither of them have given me a timely accurate way to resolve this issue. 
The transaction was on XX/XX/XXXX in the amount of XXXX I am at a loss. I just want my money back and neither of them are taking ownership of how to refund my money. 
Please advise.
Product: Checking or savings account

I opened a checking and a saving account with Chase using a promo code that I will get {$900.00} when I fulfill the direct deposit and saving requirements. But it turned out Chase didnt apply the promo code to my account. I am very sure I entered the promo code when I opened the accounts online. Then I submitted a request for investigation. I got a phone call from the investigation team and the person left a voice message and asked me to call back. I called back within the working hour but the person who left me a voice message didnt put any notes or memo for his colleagues. So I didnt get any updates when I called back. If he has no information for me, why did he ask me to call back and waste my time? I have 2 requests : 1. I request Chase to apply the promo code to my accounts so that I can get the promised {$900.00}. 
2. I also request an apology from Chase for the meaningless voice message that wasted my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX for continued inaccurate and unlawful reporting on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The company is falsely reporting a collection account with a {$390.00} past due balance as of XX/XX/year> and continues to update the status monthly as a collection account. These actions violate federal consumer protection laws and have caused me financial harm. 

Violations of Consumer Law False and Misleading Reporting FCRA XXXX ( XXXX  ) & FDCPA XXXX ( XXXX ) A collection account should not report a past due balance because the full balance is already in default. This is a misrepresentation of debt under federal law. 
By reporting new delinquencies each month, XXXX XXXX is illegally re-aging the account, making it appear as a new delinquency instead of an older debt. 
Failure to Properly Verify the Debt FDCPA XXXX ( b ) & FCRA XXXX ( a ) ( XXXX ) ( A ) I have previously disputed this account, yet XXXXXXXX XXXX continues reporting without proper verification. 
Under the FCRA, once a dispute is submitted, the furnisher must conduct a reasonable investigation before continuing to report. The fact that this account remains is a violation of my rights. 
Unfair Credit Reporting Practices FDCPA XXXX Reporting this account in a manner that negatively impacts my credit score without proper verification constitutes an unfair and deceptive practice under federal law guidelines.
Product: Debt collection

This complaint is about Thunderbird Collection Agency or TCS. They call repeatedly from multiple different numbers. 
A recorded name of XXXX XXXX from number XXXX. Identifies at TCS Another call from someone named XXXX XXXX -- the recorded message just say " this is XXXX XXXX. Call me. This is XXXX XXXX '' I have looked up both TCS and XXXX XXXX. Found quite a bit of bad information about Thunderbird Collection Service TCS and its owner and director XXXX XXXX. Many claims of fraud reported. I have tried to call back to tell to stop and their is no way to leave a message after phone phone picks up call. 
I have no idea what this could be? They never ask for me by name. It is never a person, always a recorded call. IT has been going on for months -- mutliple times/week. 
I have blocked the call -- so it just goes to voicemail but it is multiple messages left. 
It just needs to stop. I have been on the DO NOT CALL list for years. 

Please help make TCS, XXXX XXXX and XXXX XXXX stop. I am confident you have heard of this company and the names based on what is all over the internet about them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had my account with robinhood around XXXX  days. Well they have XXXX lite coin and XXXX in cash. I can't get a phone call. They keep stalling. I reach out to them everyday. True nightmare
Product: Mortgage

XX/XX/XXXX my business was slow, not knowing we were in the midst of a pandemic. XXXX here in XXXX XXXX my small business was shut down XX/XX/XXXX. Every event I had was shut down and I had no source of income. due to COVID. 

XX/XX/XXXX A letter was written from Fay Servicing, asking me to pay {$3600.00} plus {$38.00} late fee because my mortgage was part due. 

XXXX I started getting unemployment and the back pay plus my stimulus check and on XX/XX/XXXX, I contacted my lender Fay Servicing and spoke with representative XXXX XXXX. I explained I was calling to pay my mortgage in the amount of {$6100.00}. I was told I would receive a Good Faith letter by XX/XX/XXXX and I could make the payment at that time. I was refused to make the payment of {$6100.00}. I was told because my account has been sent to the attorneys they could not accept money from me. I stated that their recording state the call is recorded and asked again are you refusing to accept my {$6.00}, XXXX and I was told yes they couldn't accept my money, XX/XX/XXXX I was served with papers from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX It stated it was a communication from a debt collector attempting to collect a debt. It stated " 1.This is an action for the foreclosure of real property. 2. That pursuant to Supreme Court XXXX XXXX XXXXXXXX XXXX. The Mortgagor has/have been served with the required Notice of Intervention , and more than 30 days have elapsed since service to the Mortgagor and 2. As of XX/XX/XXXX, the Mortgagor has/have either failed, declined or voluntarily elected not to participate in foreclosure intervention process by failing to submit a complete loss mitigation package to either the Plaintiff or Plaintiff 's counsel. This was signed by XXXX XXXX. XXXX. 

XX/XX/XXXX Fay servicing sent another letter stating : ONLY CERTIFIED FUNDS WILL BE ACCEPTED FOR REINSTATEMENT SHOWH BELOW ON THE CAPTIONED MORTGAGE. I was told in the letter I had to pay {$10000.00} by XX/XX/XXXX, XXXXand how the money needed to be sent certified only. Letter stated : Late Payments {$7100.00} Accrued Late Fees {$610.00} Bad Check Fee {$10.00} Other Fees {$0.00} Corporate Advances {$3000.00} Less Unapplied Funds {$0.00} Total Due {$10000.00} XX/XX/XXXX, I received a letter from Fay Servicing, stating if i was having difficulty making my mortgage payments, the company would be able to assist me. The letter also mentioned refinance, modify or payment forbearance, repayment plan. 

XX/XX/XXXX at XXXX a.m., I contacted Fay Servicing and spoke with XXXX while at my bank to verify the information was correct and transferred the money. 

My complaint is I don't feel I should pay late fees from the time I attempted to pay my mortgage and bring it current and I should not have to pay for an attorney fee when we were in the midst of a pandemic and the government stated the foreclosure could happen doing that time. I feel the mortgage company refused to work with e and wanted me to lose my home I have a bank statement showing the money was in the bank and they refused to work with me as their letter stated.
Product: Debt collection

Credit Systems International out of Texas has the date of first delinquency of an old utility bill from XXXX XXXX of ours wrong. They it as XXXX when it is actually XXXX. I knew this had to be wrong since we moved from XXXX XXXX in XXXX of XXXX. I got a copy of the bill from the original creditor, XXXX of XXXX XXXX, and sent it to them to have them take it off my credit report since it should have fallen off in XXXX. They said XXXX was when it came to their office so that was the date they were using. I told them they had to use the date of first delinquency from the original debt and they said they could use whatever date they wanted and said that if I paid it now, they would delete it from my credit report, but otherwise it was staying on there.
Product: Credit reporting or other personal consumer reports

I am asking for this inquiry to be removed as I did not authorize a credit check. I went through an email I received about a guaranteed loan I was approved for without needing a credit check by a different company and when I clicked on that link it took me to a different lender than what was stated in the link and it told me to verify my information then sent me a denial from this company which I had no knowledge of XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX