23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the Resurgent asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from XXXX XXXX XXXX XXXX , XXXX for the same bill.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting charges and credits. This issue aligns with the recent cfpb findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? 

The original account was XXXX and the associated collection is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 complaints against the credit Bureas and all four times I recieved the same response and nothing has changed on my report. I have explained this also 4 times that the DISMISSED bankruptcies on my report were scams by companies promising to save my house that Nationnstar Mortgage wrongfully foreclosed on in 2019 while I was under modification and XXXX from XXXX XXXX. Which by the way I sent multiple complaints to the CFPD and recieved about the same response from the company. So what would you say you do here? The reason I ask is because what good does a complaint do if you only believe one side who responds with the same response they give for everything and why did my complaints against my mortgage company simply get closed even though the CFPD went on to sue Nationstar Mortgage. Maybe this complaint needs to be against the CFPD.
Product: Consumer Loan

I have submitted this complaint earlier this year, but the issue was not solved. I have applied for a car loan and was approved by a lender ; C.P.S ( Consumer Portfolio Services ) .Do to issues associated with the dealer the deal did not go through, now C.P.S is refusing to lend to me when I already have been approved by them twice. Also they have financed people with a similar credit record and score as I do, but they will not approve me, when I have proof of income and capability to pay the loan. Also the dealerships that I applied for are holding back the interest rate that I qualify for, so they can sell the contract at a higher amount to the lender. I believe that I cant get approved because I challenge high interest rate, when I qualify for a lesser rate. These banks and dealers are refusing to lend to me but they are lending to others who have the same criteria on their credit.Dealerships are also involved in hiding information concerning the obligations to the loan, such as True Market Value, present price of the vehicle, and amount approved for. I think there should be an investigation on both dealerships and the following banks. 

*Consumer Portfolio Services- Has approved me and denied me lending without explanation, but they have offered consumers with similar credit data, loan approvals. 

*XXXX has purposely withheld information from me that would allow me to choose a much favorable interest rate. They also have hidden other lender approvals from me, who offered lower interest rates. This was done in order to sell the contract to a lender at a higher price. 

* Dealerships are running my credit and sharing my information without my permission after I signed documents stating that I did n't want my information shared and I did not want my credit ran, because I was already qualified for a loan. 

Dealerships and lenders are lending to people they favor and are not basing qualifications off of credit scores. They are making decisions based off how much information the consumer has. Because I have knowledge of financing and how APR is initiated, I believe that I have been discriminated against in a form of retaliation by way of lending refusal and high interest rates. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

Constant phone calls to a personal cell line as well as to my work line, at a government building. On average, I have received 5 to 6 calls per day, per phone number. Today alone, XX/XX/XXXX they have called at XXXX, XXXX, XXXX & XXXX.
Product: Debt collection

On XX/XX/2018 Everest Inc contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from XXXX was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute XXXX XXXX XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Product: Debt collection

Between XXXX and XXXX on XX/XX/2017 I have received 6 calls on my cell phone, 6 calls on my house phone, 2 or 3 to my husbands cell phone and one to my work phone that I know of. ( This is everyday, just not my work phone ) My work phone is the last straw. I am one payment behind. Onemain Financial XXXX. They will call me from this number, my local branch and other branch numbers, or a XXXX number. They only leave a massage once or twice on each line a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agents are reporting without my consent nor do I have a written agreement to display that on my credit and they're still doing it against federal law
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXXXXXX 's failure to deposit my checks from my employer and any other incoming deposits. XXXX XXXX XXXXXXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

This is in response to case XXXX XXXX. In my first case, I contacted National Credit Services via CFPB portal to upload my letter that I was no longer disputing this account at the present moment and to contact XXXX, XXXX, and XXXX to remove the dispute comment/remarks about me still disputing this account, because I am still in the process of getting a mortgage and the dispute wording on this account is preventing my loan approval. I included my simple letter stating everything above. National Credit Services responded and did not address my concern and the dispute remarks are still on all 3 of my credit reports ( and probably some secondary credit reports ). National Credit Services stated that they sent my disputes to the credit reporting agencies as required by law, but now, they are not furnishing accurate information if they are still reporting that I'm disputing this account when I wrote to them on XX/XX/year> that I'm no longer disputing this account. They are misleading new potential creditors into thinking I'm disputing this account by keeping that comment on my credit report when that is not accurate or true.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MRSBPO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that MRSBPO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for MRSBPO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that MRSBPO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MRSBPO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

A Letter was sent requesting validation of this debt by my attorney. The letter was not responded to and the documents requested were not responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.
Product: Debt collection

Our family does not and has not had insurance since 2013. When we had our XXXX XXXX   XXXX XXXX things were tough. 

1.5 years later our budget is tight but I am trying to repair our credit in order to buy a house. 

I spoke with XXXX on XX/XX/XXXX I explained I was trying to set up a payment plan for the {$300.00} I owed for the pediatrician who saw my son upon devivery at the hostpial. Keep in mind we payed over $ 5k before leaving the hospital unbeknown that we would owe separately for the care provided. 

She said she needed the full {$300.00}. I told her I dont have that in my budget. She then preceded to tell me you are buying a house for {$280000.00}. Stunned I told her absolutely I am not buying a house and we have a mortage on our home which we bought five years ago for XXXX. She said well your house is appraised for XXXX. I told her we have been trying to sell the house and I am trying to repair our credit. She said well its not showing on your husbands credit so unless you give the full amount I have to report it on his as well. I told her I am trying to pay what I can and trying to make my debts right. She said Im not going to put a payment plan on a debt that is 1.5 years old, This is a attempt to collect a debt etc, is there anything else I can help you with. After being silent a moment I said so you have the ability to make a plan but your choosing not to. She said XXXX XXXX I am going to hang up. Then heated I told her so your making he desecion to choose another persons fate just like that, when Im offering you the little money I do have, your not going to take my money, I told her she is a terrible person and after that she said okay I am hanging up now. 

My husbands income has reduced since buying this home. He is on a salary of XXXX monthly. Our mortage is XXXX a month, electricity between 200-400 water, cellphones {$280.00} limited out credit card minimum payments weve been making for the past 3 years ( which shows on our credit ). My husband drives 100 miles a day plus tolls which is $ 680 monthly. We literally have between 600-700 left over for food, my gas, diapers, etc a month. I am trying to budget {$100.00} of that to spread out with our outstanding debts until we can sell this house pay our debts and have our credit in good enough shape to buy another home. 

I do not know XXXX last name but she is the only one who handles the debt collecting at the office she works for.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt and Request for Verification under 15 U.S.C. 1692g Dear Source Receivables Management, I am writing to formally dispute the debt referenced in your communications, related to the account ending in XXXX with a balance of {$120.00}, allegedly owed to XXXX XXXX XXXX XXXX I do not recognize this debt and believe it to be invalid. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following : Verification of the Debt : Detailed information proving that the debt is valid, including a copy of the original contract or agreement that shows I am responsible for this debt.

Account History : A complete accounting of the debt, including the original amount, any payments made, and any fees or interest that have been added. 
Proof of Ownership : Documentation that proves Source Receivables Management has the legal right to collect this debt. 
Creditor Information : The name and address of the original creditor to whom the debt was owed. 
As required by law, I request that this debt be marked as disputed on my credit report until the matter is resolved. Additionally, if you can not verify the debt, I request that you immediately cease any further collection activities and have the debt removed from my credit report. 

Please provide the requested documentation within 30 days of receipt of this letter. If you can not provide sufficient verification, I demand that you remove all information regarding this debt from my credit report and confirm in writing that this has been done. 

Failure to comply with this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, as well as pursuing legal remedies available to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXXay concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on le that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Product: Debt collection

XXXX XXXX Acc.XXXX for XXXX dollars. 
XXXX XXXX XXXX XXXX, Ma XXXX According with the fair credit reporting act, the above account stated abovehas violated my rights according to15 USC section 1681. Whch state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Vehicle loan or lease

XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local