23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a voicemail on my work phone from XXXX to contact her at XXXX reference account XXXX. During our conversation, we discussed settlement options and I agreed to touch base with her the following week after doing some research on financing a resolution. During that time I secured funds to enter into a payment arrangement with the company for the debt they were representing XXXX XXXX XXXX XXXX. 

Prior to ending our conversation, I asked that my work not be contacted in the future for my personal matter ; XXXX agreed to update my account contacts to reflect only my personal number. 

Today XX/XX/XXXX at XXXX I received another call on the same work line from XXXX. The automated message redirected me to a man who identified himself as XXXX XXXX. He made introductions and inquired about the status of the agreement. I asked him first to update the contact information again to not be work. His response was to ask me " how embarrassing it would be for [ me ] to be served at work in front of colleagues. '' At that point, the conversation deteriorated and we ended the call. 

In addition to a violation of the FCRA work call prohibition, the man was extremely rude and I think he may have followed insincere threats to sue prohibitions as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my real credit report today, they continue to show that I disputed my XXXX XXXXXXXX XXXX loan for which I did not! I have proof in writing that I did not dispute that account. I'm sick of having this conversation with them. Also the attached means nothing to me but I wanted to send it with the complaint to tell them just that - IT MEANS NOTHING BECAUSE THEY CONTINUE TO MAKE ERRORS ON MY REPORT REFUSING TO FIX THEM!!!!!!!!!!!!!!!!!!!!!!!
Product: Mortgage

I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.
Product: Debt collection

I am being billed for an ambulance bill from XXXX XXXX XXXX through Wakefield and Associates Collection Agency. I contacted my insurance company, XXXX, before it was even sent to collections and they informed me that it was covered and that it was illegal for them to be billing me. XXXX contacted XXXX and I thought it was all taken care of, but now I am getting calls from Wakefield stating that I have a debt of XXXX dollars or so to pay. I contacted my insurance company again after the debt collection calls and they informed me once again that I do not have to pay it, I met my deductible and out of pocket. I received an eob again and directly sent it over to Wakefield and Associates. I received a call from XXXX again today informing me that I had to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap.
Product: Credit card

I believe that Citicard 's method of billing each month is deceptively hiding interest they are charging. Here is the problem. 
I have had Citicard 's Double Cash Back card for at least 10 years. I pay off my complete balance each month so that I do not incur interest. Then in XXXX, XXXX, they were offering a Flex Loan at a low interest rate that I took advantage of. The information indicated the monthly information on this loan would be included on my monthly credit card statement. Before taking out the loan, I questioned one of their representatives about these two forms of credit -- credit card and Flex Loan -- not being intermingled and was assured they would not be. Since taking out the loan, I have made the required monthly payment for the loan ( {$200.00} ) plus payments for the entire balance of credit card charges for that month. For the first time, on my bill dated XX/XX/XXXX, they have begun to charge interest on my credit card purchases, in addition to my Flex loan. When I called to ask them to explain that, they said that the credit card interest is based on what they call the " Adjusted New Balance '', which they said was the average credit balance for the month. So, my statement balance each month is a total of this " Adjusted New Balance '' and my Flex Loan Balance. This makes absolutely no sense. I have a personal budget that I work off of each month. Since I have no breakdown of how they calculate this " Adjusted New Balance '', I can no longer accurately breakdown my monthly bill based on my monthly charges because it no longer adds up that way.

What I conclude is that the difference between my actual charges for the month and the " Adjusted New Balance '' is actually interest they are charging me in addition to what is clearly shown on the bill as interest on the Flex loan and the " Adjusted New Balance ''. To me, this is very deceptive. Since they can not or will not give me the calculation for the Adjusted New Balance, I am going to quit using the credit card and just continue making the monthly payments on the Flex Loan. I will just take my credit card business elsewhere. But, I believe this is something that the CFPB should put a stop to. It has not been industry practice in my past experience, so I believe they have started this in order to charge even more interest than the stated interest rate on the credit card.
Product: Debt collection

I do n't owe this. Please send copy of contract & statements
Product: Mortgage

I CAN NOT GET ANY EQUITY OUT WAS DIAGNOSED AND HAD XXXX XXXX TWICE AND THOSE WERE VERY TRYING TIMES AND APPLIED FIR ASSISTANCE AND IT WAS GIVEN TO ME. BUT I FEEL MORTGAGE IS SETTING BACK I WILL NEVER BE ABLE TO BORROW OR OAY IT OFF. PROBLEMS HAPPEN IN LIFE. I GAVE BEEN IN THIS HOUSE XXXX SOMETHING YEARS. ALWAYS HAVE A GARD TIME WITH XXXX COMPANY TO GET THINGS DONE. SO WILL I BE ELIGIBLE FOR A CHECK TO GET ASSISTANCE WITH MY PROBLEMS?
Product: Debt collection

Creditors Collections recently report 3 medical bills on my credit report. Prior to the appearance of these debt on my credit file, I did not receive a notice of my right to dispute. This is a violation of federal collection law. Furthermore, these bills have already been paid by my health insurance.
Product: Debt collection

My roommate and I moved from our previous apartment complex in XX/XX/2023, and the apartment complex levied a debt against us for " damages and cleaning ''. We acknowledged that we may have to pay something when moving, given that we have pets and the complex refused to repair damage we found in the apartment itself so we decided to just pay the debt after reviewing whatever we may get charged. But we never heard anything from the complex itself. 

A few months after the move ( late XXXX and XX/XX/2023 ), I received phone calls from a company called ProCollect Incorporated. After several voicemails with only vague information about what the call was about, I reached out to them to see what the issue was ( XX/XX/2023 ). Upon reaching them, I was informed that the apartment complex I had moved out of had opened an account with them in my name to collect the debt. The amount was for just over {$400.00}, and they claimed it was for damages and cleaning. 

I was told that -- supposedly -- I had been mailed some information to my new address about what was going on, but I check the mail literally every day and never received such a notice. By this time, almost a month had passed since their alleged mailed correspondence ( supposedly sent in XX/XX/2023 ). 

I was asked to send my request for a second copy of this letter via email to the company, which I did immediately. After a few days and no response, I called again to make sure my request was received and to obtain a breakdown of the charges ( XX/XX/2023 ). I was read off the exact same information as I had been in my previous call, and ultimately told to email my request for the charges to the same email, which I did within minutes. 

Two days passed, and I never got a response. I emailed once more to a second email address I found on ProCollect 's website ( XX/XX/2023 ), and when that got no response, I called again ( XX/XX/2023 ). 

I was told that ProCollect believed this debt to be true and valid, but had sent over a request to the creditor and that it could take up to 30 days to hear back. I was also told that my credit would be affected if I did not pay by XX/XX/2023 ( which, by this time was only days away ). In addition, they did not put a hold on that hard date before it would affect my credit even though they admitted to waiting for information from the creditor, and refused to provide me with any detailed information of the charges in writing despite repeated requests. 

ProCollect has been extremely uncooperative in their communications and said my credit will be affected if I don't pay, but refuse to give me anything but vague details. All I ever asked for was a copy of their mailed letter and a breakdown of what the debt is for ( which they rattled off to me over the phone so it's clear they have it ) in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiry by capital one bank on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised Experian of an account reporting on my credit that doesnt belong to me. I thought it was much easier to just upload the necessary documents including my affidavit. I initially got an alert that inquiries were removed. Which was confusing to me because I didnt ask for removal of inquiries I ask for removal of an alleged account XXXX  account # XXXX {$830.00} yet the account is still reporting Im asking for removal of account
Product: Money transfer, virtual currency, or money service

XXXX is not the secure and safe money transfer service that they claim to be. Because of the fact that it is OWNED by the major banks including my bank ( Truist ), one is lead to believe that the service would come with the protections that your other banking services do. This is NOT the case. In fact, though not clearly stated anywhere in the XXXX term of service, there is a small clause that states that " transactions authorized by the sender are not protected '' and that the primary purpose of the program is to ONLY send between family and friends that you know. 
On Tuesday XX/XX/2021, I was looking for tickets to the XXXX XXXX in XXXX, GA. I live in XXXX and am a huge XXXX fan. I am part of a large email chain of fellow retired individuals who keep in touch. I sent an email asking if anyone knew or had extra tickets for sale and posted my phone number. An hour or so later I received a call from a XXXX XXXX who said he saw the email and had tickets. They were {$560.00} for two. I was to XXXX the funds to him which I did. 
Obviously I never received the tickets and when I called the bank to file a complaint I was told it would be investigated and there would be a " good chance '' I could recover my money. It has been 14 days and I have heard nothing, received no funds and have had no call or contact from Truist.
Product: Checking or savings account

This is not the same complaint!!!!! PNC treats me like a unwanted consumer..I deposited a check from another account and had a colleague do the same ( his account however is always in the negative ) ..My check was placed on hold for 15 days, his was deposit in two days..I am more than sure this a prejudice issue against me as a woman and or my XXXX.. I stopped payment and closed the other account and made PNC aware more than 4 days before they processed the check, it was stopped and taken off my account, however now my account is in the negative because they have waited 5 days later and started adding fees to my account.. I reached out to that person XXXX and nothing was done.. I have been lied to repeatedly, am feeling a lack of concern for a delicate situation, and fees added upon all of this and have received no apology or no concern..The only reason I continue to keep this account is because of a family member who is no longer alive and things I have set up for the next two months, which cant be reversed..I have emailed the ceo and other executives and just like XXXX they dont care!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, TransUnion opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID TRANSUNION SEND TO THE FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with TransUnion for being Non-Compliant with the FCRA by not verifying the consumer applications.
Product: Checking or savings account

XX/XX/2024 my bills were intercepted from the U.S. Postal Service. Check # XXXX was written for {$1900.00} for XXXX rent. The payment was not received. A second check was mailed for rent. It was soon recognized that my rent check had been turned into a third -party fraudulent check., deposited as a " deposit only '' into a XXXXXXXX XXXX XXXXXXXX XXXX. My check was so tampered with any layman could see at first glance it should never should have been deposited. When it was sent to my bank for payment it was approved, NOT stopped. ( Please see attach documents ) to date I have received delays, misinformation, claims not filed correctly without any clarification as to who us at fault for my {$1900.00} loss. I feel banking " XXXX  '' is perhaps the cause.
Product: Credit reporting

I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member.
Product: Money transfer, virtual currency, or money service

Kraken takes a deposit and refuses to release it unless you pay them more. They will not refund it to the original source either. When contacted they were less than cooperative and are holding my money ransom. They want to collect more transaction fees.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : SELF/ATLANTIC CAPITAL XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE ACCOUNT : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This protection applies as long as customers account was already current. This applies to agreements made starting XX/XX/XXXX until 120 days after the XXXX national emergency ends. 

****In XX/XX/XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements under the Cares Act Credit reporting relief and security Act
Product: Credit reporting or other personal consumer reports

Experian has effectively locked me out of my account, and they've offered no viable solution for resolution. Their customer service phone line operates through an automated system that does not permit transfers or provide assistance for account unlocking. I have verified that my password is correct ; however, I was unable to answer the security questions posed by the system. The automated responses were insufficient, and there was no option to speak with a representative. This situation raises concerns regarding compliance with the Americans with Disabilities Act, this system leaves no way for customers who are XXXX to access their credit reporting account for support in these scenarios.