23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case for the unknown account reported as EOS account number XXXX. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit card or prepaid card

I have had a Chase Credit Card for years. They increased the interest rate without any notice. This is second time they have done this. This is suppose to be set rate for life of the loan as I do not use this credit card. We got it fixed the first time. This payment automatically transfers out of my account every month. If I would have known the interest changed I would have paid off the credit card.
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 15 USC 1681. 

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I called in and spoke with investment advisor XXXX XXXX to discuss options for moving money from a CD that was maturing at another financial institution. XXXX persuaded me to move the money to Merrill Lynch by offering me a {$1000.00} bonus offer for money transferred from outside ( new money ). When I asked XXXX if I would be able to make withdrawals during the 90-day period in which the new money was required to stay in the account to be eligible for the {$1000.00} bonus offer, XXXX stated that as long as my balance did not dip below a certain amount that I would be eligible. At the end of the 90-day period, when the bonus offer was not paid, I attempted to reach XXXX several times on XX/XX/year>. Being unable to reach him, another investment advisor informed me that the bonus offer would not be paid because I made withdrawals during the period. This contradicted what XXXX had promised me on XX/XX/year> when I addressed this upfront in an attempt to avoid a disagreement later. Merrill Lynch is defending XXXX XXXX and being dishonest about what was clearly discussed on a recorded phone call on XX/XX/year>. Their position now is that the {$1000.00} bonus will not be paid.
Product: Mortgage

Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you
Product: Checking or savings account

Wells Fargo Had taken back a provisional creit after a police report was shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Product: Debt collection

I am having an issue with a medical bill that was apparently sent out to a collection agency ( Simon Agency ). However, I had paid the bill directly at the physician 's office. The collection agency still has me as owing the bill, even though I paid it directly at the doctor 's office months ago. 

The amount of the bill is {$100.00} I paid it using a credit card on XX/XX/2018 when I was at my doctor 's office for a subsequent visit. 

I spoke with XXXX in the XXXX XXXX Billing department on XX/XX/XXXX, and was told that I do not have anything in collections, and my account is up to date. 

However, the collection agency that my bill was sent to says I still owe the {$100.00}, and to date, I have not been able to get this marked as paid on my credit report. 

I emailed Simon Agency on XX/XX/XXXX with proof that this was paid, and additional proof was emailed to them on XX/XX/XXXX. 

I received NO response from them whatsoever. 

I sent a follow-up email on XX/XX/XXXX, and again, received no response from them. 

I submitted a dispute via XXXX, and they closed the dispute saying that Simon Agency says I still owe the {$100.00} ( which I had paid directly at my doctor 's office ) and so this item is still appearing on my credit report as an unpaid item in collections. 

On XX/XX/XXXX, I then submitted an online from found on the Simon Agency website. I received an automated response : " Thank you for submitting the contact form on our website. Please allow up to two business days for a reply from a customer service representative. If you would like immediate assistance please call us at XXXX. '' Today, XX/XX/XXXX, a full week after submitting the form, I still hadn't heard back from Simon Agency, so I called them. I spoke to someone who identified herself as " XXXX '' and was told that I'd have to wait, these things take time, etc. She was supposed to transfer me to someone else to talk to, and I was dumped into " XXXX '' 's voicemail. I left a message and have had no response. 

I have no way to get this agency to understand that I paid the bill. They are reporting that I owe {$100.00}, when in fact, I owe XXXX, because the bill was paid. The only thing they seem to want is for me to pay them the full amount for the same bill that I had already paid, otherwise, they do not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX college..alot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back XXXX  was a XXXX. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
Regions bank account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX bank account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Product: Mortgage

We have had a mortgage with Wells Fargo Bank for approximately 10 years and have never been late with a payment. In XX/XX/2015, Wells Fargo Bank alleged that our home insurance lapsed and attempted to force us to pay several thousand dollars for their " mandated '' coverage. We have maintained home insurance throughout the 24 years that we have owned our home ( changed mortgage companies during those 24 years ). Our current home insurance is through XXXX and we pay approximately {$1700.00} a year for coverage. When we sent evidence of coverage to Wells Fargo, the bank reduced the amount that they said that we owe for their " mandated '' coverage during the period that they said that they didn't have evidence of our home insurance to {$680.00} ( we sent evidence of insurance as soon as requested, but W.F. said that there was a period of less than 30 days that they would require their insurance ). We paid the amount which Wells Fargo held in Escrow for a year and then they swept the account. We believe that Wells Fargo made up the insurance bill, created an escrow that was bogus ( not used to pay insurance ) and stole {$680.00}. This morning in the XXXX XXXX Wells Fargo was cited by the CFPB for auto loan fraud. We believe that they are doing the same thing with home mortgage insurance. We would like the fraudulent bill reversed and W.F. Bank forced to pay its mortgage customers for insurance fraud that is eerily similar to their auto loan business.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

We have had a home mortgage with Chase for the past 4 years. They have never calculated the impound accounts correctly and cycle back and forth between shortage and over-payment. This in itself is simply a nuisance and probable means nothing, but this past year I got upset and called them in reference and a better explanation of what was going on, and I believe I was lied to. They not only charged us the annual calculation of taxes and insurance but they added a two month premium on and above the annual total based on the " SRTR '' ( sorry this acronym may not be correct as they would not repeat it because I insisted on knowing more about the regulation - and formally requested a written copy of it ) rules. For both - this equaled nearly {$750.00}. I asked for a copy of these rules and also requested a clarification of who the is regulating agency is, and at least a conversation with anyone who could tell me what the acronym stood for. After spending a lengthy time on hold ironically my customer service agent was not able to find anyone that knew anything about the regulation, or who is the regulating agency. 
In Summary, I believe Chase has instituted a policy to hold XXXX additional months of escrow on all their mortgages - my rough calculations based on internet information leads me to believe they are holding nearly XXXX XXXX dollars every month that belongs to their mortgage customers. FYI - I did not finance with Chase they purchased our mortgage from our original lender so I did not agree to this policy. Thanks, XXXX XXXX
Product: Credit reporting

I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.
Product: Money transfer, virtual currency, or money service

I appreciare your response on the subject. 

From the response letter, I understand that BONY sent back both the drafts in question to XXXX XXXX XXXX XXXX. Please confirm and also advise me where in XXXXXXXX XXXX XXXXXXXX XXXX these drafts were sent? 
I want to know which branch or which depatment these drafts were sent to in XXXXXXXX XXXX XXXXXXXX XXXX. 
This will facilitate me in moving forward with XXXXXXXX XXXX XXXX XXXX for pending payment of my money. 
I will really appreciate that. 
Thank you very much.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX o Date of Inquiry : XX/XX/year>
Product: Mortgage

Payments were made in advance on XX/XX/XXXX and XX/XX/XXXX. XXXX applied early payment toward principal instead of the next month. Payment should have been paid early up to XXXX. On XX/XX/XXXX I was notified I was now behind. This was past their XXXX period to change the payments from principal to monthly payments. So now I am $ XXXX behind and they refuse to reallocate the payments made toward to past due balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have a checking account XXXX with sofi bank. On XX/XX/year>, XXXX Charged me {$130.00} to my checking account to auto renew my subscription. This is 3 times of what I usually pay. XXXX did not notice me of this autorenewal prior to their charging. 

I disputed right away. Sofi gave me {$130.00} provisional credit. I also logged into XXXX and canceled auto renew. I chatted with XXXX to cancel my subscription. They told me that they could not cancel since I already disputed. 

On XX/XX/year>, Sofi charged me {$130.00} to my checking account to reverse the provisional credit. This has brought my account to negative. My XXXX internet bill could not go through. I incurred {$25.00} returned fee.

I contacted sofi via email and phone asking for reconsideration since I definitely do not want subscription at that price. Yet, Sofi refuse to credit me. This is obviously robbing people and forcing people to subscribe to an expensive service. 

XXXX and Sofi are both XXXX XXXX company. They helped each other to force customers to buy service. I need your help to get my money back, plus {$25.00} returned fee that I incurred. 

Thank you very much!
Product: Debt collection

ARS Account Resolution FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX {$53.00} - XX/XX/2018 The debt has been paid twice! One credit bureau removed the debt ; however, the other hasn't! I have placed several calls, sent certified letter and my attempts has been unsuccessful! Yes the amount is {$53.00} but this debt is showing as derogatory credit and I would like it removed because it was paid in full! The company cashed the money order ; however, never removed the debt! I am asking for your assistance to have the company remove the balance immediately! I can provide a copy of the certified document and my request to XXXX  balance! Thanks in advance! All your assistance is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX. XXXX  XXXX Inquires ftc XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Collection 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Have called to resolve issues with loan since I started it in XX/XX/2022. Have paid approximately 30 % of loan off and they are reporting that I haven't been making payments or not updating correctly with all 3 credit bureaus.
Product: Debt collection

The medical debt on my credit report has been disputed multiple times due to the biller not appropriately billing my insurance company within the appropriated amount of time of services rendered, 1 year. The biller billed my insurance company after 1 year. The bill was then repeatedly denied by my insurance company due to inappropriate billing time frame. I spoke to the biller and my insurance company over 30 times regarding this bill/debt and neither could come to an agreement. I should not be responsible for the billers clerical error.
Product: Credit reporting or other personal consumer reports

The collections on my report are out of date. The report shows collections that say they were removed but they continue to show up even though they are paid off. 
Fair reporting is apart of the Fair Reporting Act and if they are reporting credit that should have been took off that is false information. I request all collections be removed immediately