23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had previously been contacted by another collection agency regarding this same balance. This balance was dropped off by the company before this one because this charges were a result of malpractice. Two months later I start getting phone calls from this new company called " Aargon Agency ''. They had purchased this bad debt from the previous company but I had told them over the phone that I had spoken to the previous company and that my daughter was XXXX at this hospital which resulted on having to reach out to an outside XXXX  who XXXX my daughter without a XXXX XXXX. When I clarified that I was not liable for this charge, they told me my credit will be damaged if this was not paid to them. Here are the details regarding this claim as far as why I do not owe this balance to anyone : This bill has been disputed due to malpractice by the ER staff at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).  My daughter was XXXX with a XXXX to her XXXX   which could not be confirmed by any XXXX XXXX on site. Due to the incompetence of the staff on this ER, my daughter was sent home without a XXXX on her XXXX and I was referred to seek the help of a XXXX. Three days later I was seen by a XXXX under my insurance coverage who took his own XXXX and confirmed my daughter had XXXX   her XXXX but there was no XXXX  to be accounted for. 
I had filed a complaint with the XXXX XXXX XXXX XXXX California under Substandard care ( eg. XXXX ). 
This debt has been dropped off my record as of XXXX by XXXX XXXX ( XXXX XXXX XXXX XXXX ).
Product: Mortgage

XXXX ,  XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to  XXXX   XXXX  on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX    XXXX   It was also sent to  XXXX   XXXX   XXXX  It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You  XXXX   Jin Assistant  Prosecuting Attorney Civil Division-Tax Unit  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  OH  XXXX  Phone  XXXX  Fax  XXXX  Office of  XXXX   XXXX   XXXX  County Prosecuting Attorney  XXXX  County Prosecutors  XXXX   XXXX   County Prosecutors Office  This e-mail was sent in response to the e-mail sent on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  from  XXXX   XXXX   XXXX , Legal Assistant at  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  LPA with the Subject proposed Confirmation  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  al Case No.  XXXX  Our File :  XXXX  Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes.     I never have the opportunity to review this information. Please  e  send me the entire attachment titled  XXXX   XXXX c and//or what is titled Our File :  XXXX  in the e-mail of  XXXX   XXXX   XXXX   ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File  :  XXXX  please explain in detail what information is in this file?    2.  Please send me a copy of all information in the file and any documentation associated with the file  3 . What is the contents within the file you received from  XXXX   XXXX   XXXX   4.  Why was it sent to you to revie w 5. What is the meaning of Entry 6.  Is the Judgment Entry that is confirming the sale for  XXXX   XXXX  to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , or   XXXX   7. Who provided you with the information that is contained in the attached titled  XXXX    XXXX   and/or the information within the e-mail identified as Our File :  XXXX  The original e-mail is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are still reporting as late and past due. I have already paid everything off except student loans
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I would like to have my bank KeyBank be able to work with active hours the app so I can quickly be able to receive my paycheck earlier than usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXX XXXX XXXX {$2600.00} ( XXXX  ) Inquiry XXXX XXXX XXXXXX/XX/year> Personal Infomation Name XXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian closed yet another complaint without addressing the issue which clearly you can see in the screen shots that I provided that experian will go to any lengths to avoid fixing the problem
Product: Checking or savings account

On XX/XX/19 My wife and I had about XXXX dollars in my bank of america joint account.. At about XXXX o'clock she notified me about the account being -XXXX . When I tried to log on to my account, it asked me for my social and card number which I tried to input and it did not let me ... when I finally was able to get someone on the phone the told me that Bank of America made a business decision to close my account ... We've never had that type of money and they will not give us an answer for why pr how our account is like that ... While I was on the phone my wife was in our branch and was being told the same thing.
Product: Credit reporting

The first issue is wrong address I never lived in XXXX Florida XXXX. I received this information through ExperianSecond issue is I never applied for an auto loan from XXXX the address is XXXX Fl XXXX and the date of the inquiry was XXXX XXXX, 2014 please correct that or call the consumer and find out how this got reported through my credit, I believe its an completely fraud somebody s using my social security and my name without my knowledgeThe third issue is XXXX XXXX Fl XXXX the date of the inquiry was XXXX XXXX,2014 I never was in this place I do n't know what their talking about do I need to contact the FBI?! 
PLEASE feel free to contact me at XXXX or email me a XXXXXXXXXXXX or write me at XXXX FL XXXXSSN # XXXX
Product: Credit card

I canceled a payment. They reversed it, but still submitted it to my bank. And charged me a {$30.00} fee for it not being there! What is the point in offering the option to cancel a payment if they're still going to draft your account?
Product: Checking or savings account

I opened a CitiBank " Accelerate '' high yield savings account a few years ago. I have transfered money into and out of this account using the online website several times without issue. 

Now there is no option to transfer funds online. I believe I only get electronic statements, but when clicking the " view statement '' link in the monthly email, I am brought to the main account overview and there is no option to view statements, account numbers, transfer money, or request replacement cards. 

The last online withdraw was able to be done in XX/XX/year>. 

I spoke to customer service today ( XX/XX/year> ) and they stated the only solution would be to send a physical letter requesting a " replacement '' debit card. I don't recall ever getting any card for this account in the first place, and never needed it to transfer money before. The closest branch is a XXXX mile round trip. You can't request a " replacement '' card online, email, or by phone. 

There are many reports online regarding similar instances. There are also multiple reports of delays in receiving these " replacement cards '' and security codes via US mail. 

This appears to be a possible coordinated effort by citibank to prevent customers from accessing their cash deposits.
Product: Credit reporting or other personal consumer reports

I insist, without any delay or excuse, that you promptly correct this account from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct this account immediately : XXXX XXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late year XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been reaching out to TransUnion regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided TransUnion with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint
Product: Mortgage

Ok for the record this is the third time we have filed a complaint against XXXX XXXX XXXX XXXX XXXX   since we took out a loan in XX/XX/XXXX for XXXX. Here are the predatory terms we signed 13 years ago ; 8.67 % DSI for 30 years. These terms have been litigated in XXXX County Ohio case ( XXXX ) and determined predatory lending practices. Currently, in XX/XX/XXXX we made a payment on ( WF ) XXXX web site on XX/XX/XXXX and they didnt apply it to the account until the end of the month costing us daily per diem charges. 

The most recent error by their employees happened on XX/XX/XXXX. I paid XXXX by phone and asked for my balance and she said XXXX. Instead my balance is XXXX. She gave me a confirmation number XXXX to Confirm my balance! In XX/XX/XXXX XX/XX/XXXX falls on a Saturday. I made the payment early and my bank confirmed that WF in Iowa got the payment on Sunday but I called them and they applied it on Monday XX/XX/XXXX. Once again this goes against the terms of loan, those funds must be applied immediately. The bank is not open on Saturday, Sunday or Holidays so this is fraud. Why cant you help us this time, use case law!
Product: Mortgage

REFERENCE " cfpb '' CASE NUMBER : XXXX cfpb, I appreciate your follow-up regarding the referenced complaint and the dead line to receive feedback. Please note, on XX/XX/2018 ; I submitted feedback to the company 's response to Consumer Financial Protection Bureau ( cfpb ) ; along with copies to Specialized Loan Servicing ( SLS ) ; Federal Trade Commission ( FTC  ) ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX Consumer Disputes ; and XXXX XXXX XXXX XXXX.

Per United States Postal Service delivery tracking numbers and confirmation of received response/documentation ; receipt of my response.
Product: Money transfer, virtual currency, or money service

[ XXXX LLC C/O XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ SQUARE ] [ SQUARE INC XXXX XXXX : Formal Notice of Violation of Merchant Consumer Rights and Demand for Amicable Arbitration Dear [ SQUARE INC XXXX XXXX I am writing to formally address the illegal deactivation of my Square account associated with your services and to demand the immediate reinstatement of my account. The deactivation occurred without appropriate notice or a factual basis, constituting a violation of my consumer rights as a merchant. 

On [ XXXX ], my Square account was deactivated without any prior warning or explanation adhering to the terms and conditions outlined in our agreement and applicable law. Notably, just XXXX hour prior to the deactivation, I had spoken with a representative to verify and correct my account information. During that conversation, there was no mention of any infringement on agreement terms or any issues that would warrant such drastic action. 

This arbitrary decision has not only disrupted my business operations but has also resulted in the misappropriation of funds held in my account. 

Under relevant consumer protection laws and the guidelines established by Square, I believe this action is both unjust and illegal. I kindly request a detailed explanation of the reasons behind the deactivation, as I have not received any substantial or factual justification for this action. 

Furthermore, I demand an amicable arbitration process to resolve this matter effectively and efficiently. It is in our best interest to resolve this dispute without further escalation. 

Please respond to this letter within [ 14 days ] of receipt with the requested information and confirmation of the arbitration process. If I do not receive a response, I will have no choice but to consider further legal action to protect my rights as a consumer and seek recovery of the funds inappropriately withheld. 

Thank you for your immediate attention to this matter. I look forward to your prompt reply. 

Sincerely, [ XXXX LLC ] C/O [ XXXX A XXXX ] [ CEO ] -- -
Product: Credit reporting

I filed a dispute with transunion credit reporting agency of a judgement on my file docket # XXXX, i disputed the inaccurate information and wants the item deleted, on XXXX/XXXX/2015, transunion sent me investigation results stated that the item is verified, on XXXX/XXXX/2015, i contacted XXXX representative, their attorney XXXX, i spoke to a rep named XXXX XXXX, who indicated the case is settled and i do not owe this judgement, i want transunion to delete the inaccurate information it is reporting on my file which is causing me financial distress, i believe unverifiable and inaccurate information should not be put on a consumer 's credit report without due investigation and research of the account. im therefore demanding the appropriate action of deletion be done immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account that I have a complaint about is University XXXX XXXX reporting to all 3 credit bureaus ( XXXX, Equifax and XXXX  ). I have disputed this account more than 5 times because they have reported several errors to all 3 of my credit reports. During these disputes, I mailed letters out to the creditor telling them what my concerns are and why this account needs to be deleted from my credit report using my rights under the FCRA. I also mailed letters to all 3 of the credit bureaus. It always comes back " verified '' which tells me they never really looked into what I stated my concerns were but rather they just asked the creditor to validate the account. Several times I have seen that the creditor will make changes to my credit report like fixing the account number they had wrong on one of the credit bureaus or fixing the dates they reported incorrectly without actually deleting the account. This is a violation of the FCRA. 

other violations they have made include : 1. Reporting old debt as new or re-aged. 
2. Reporting account as active when it was closed or reporting closed accounts as active. 
3. Reporting late payments to XXXX  and Equifax, but on time payments to XXXX. 

It can get very stressful paying to have letters mailed certified mail several times and waiting almost 7 months in total to get the same results that your issue wasn't even looked into but just " verified ''. When I reached out the the creditor at the beginning of the year to try to pay this debt ( before I even started disputing the errors ), she was very rude to me and even threatened to take me to court. This frightened my for a while and I started to feel hopeless. I was very confused because I called her to try to clear the debt not tell her I wasn't going to pay. 

If you really look into my credit reports, you will see that that is the only negative account I have on there and I am tired of it being used against me. Please if you can help me get this item deleted it will be greatly appreciated and it will also be respecting my rights under the FCRA. This item was supposed to be deleted a longtime ago when they were reporting errors and decided to change it. Attached to this complaint are other documents of proof of the violations they have made currently on my credit report. 

More information : Right now it states on the reports that I owe {$2700.00}. This was a federal student loan that went into Default. The account numbers, dates, and late payments haven't consistently matched. They have changed some information but some errors are still left on the account. This student loan is in loan rehabilitation. I set up a payment plan with creditor and even linked my account only to find out that their system failed and I have to actually call to pay on a random date every month because they don't have automatic payments. Regardless, it is my rights that this account is deleted from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that Experian and XXXX are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXX  has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And Experian and XXXX are enabling this illegal act.
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following ; XXXX
Product: Mortgage

My husband and I were exposed to XXXX and were were forced to quarantine for 14 days in XXXX of XXXX, and then actually did get XXXX in XXXX of XXXX. We applied for mortgage forbearance in XX/XX/XXXX through the Cares Act and were approved for 60 days. When we were out of the forbearance period, I applied for reinstatement of normal mortgage payments with the two missed payments to be attached to the end of the loan. We have significant equity in our home that we have lived in for almost 8 years, and my husband and I both have excellent credit, so there was no reason this should not have been approved. The mortgage company, Lakeview Loan Servicing, instead created an entirely new loan for us with the same interest rate, but of course a new amortization schedule, which will cost us XXXX  of dollars in the long-run due to more of our payments going to interest versus principal for the next several years. The customer service rep I spoke to said that this is the only option for VA loans. This is ridiculous and was never explained to us when we applied for forbearance. This is a very sad situation that this mortgage company would treat military veterans this way, and the worst part is that most people would not realize the financial impact the new amortization schedule has and would have no idea that this was a bad thing. In my opinion, this is an unfair business practice and the company should be investigated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts appearing on my credit report. 

1. XXXX XXXX {$1300.00} 2. XXXXXXXX XXXX {$4000.00} 3. XXXX XXXX {$1900.00} 4. XXXXXXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX