23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I RECEIVED A BILL IN THE MAIL FROM XXXX XXXX XXXX XXXX XXXX ONE AND A HALF YEARS AFTER THE DATE OF SERVICE. THIS {$130.00} IS A CO-PAYMENT FOR A XXXX PERFORMED IN XXXX OF XXXX!! THEY JUST SENT ME TO COLLECTION EVEN THOUGH I SENT THE MY INSURANCE NUMBERS FOR MY SECONDARY INSURANCE [ XXXX XXXX  ] BACK IN XXXX OF XXXX. I ASSUMED THIS BILL WAS PAID. I SPOKE TO XXXX XXXX  TODAY AND WAS TOLD XXXX XXXX XXXX NEVER SUBMITTED THE CLAIM TO THEM FOR THE CO-PAYMENT. I ALSO RECEIVED A LETTER FROM XXXX STATING THAT MY CREDIT REPORT HAS DECREASED AS A RESULT OF THIS. XXXX ALSO TOLD ME THAT THE CLAIM WAS NOT SUBMITTED " IN A TIMELY MANNER '' AND MOST LIKELY WOULD NOT BE PAID NOW. I WANT THIS BILL EITHER WRITTEN OFF OR PAID BY XXXX XXXX XXXX AND ALSO I WANT THEM TO WRITE A LETTER OF EXPLANATION TO THE CREDIT COMPANIES, XXXX, XXXX XXXX, ETC. I AM A XXXX LIVING ON SOCIAL SECURITY AND CAN NOT AFFORD TO PAY THIS NOW, ESPECIALLY SINCE IT WAS COVERED BY INSURANCE. I AM ALSO NOTIFYING THE AREA ON AGING AND WILL GO TO LEGAL AID ON MONDAY, TO REPORT THEM. FYI : XXXX XXXXXXXX XXXX name was changed to XXXX XXXX and so that is the reason it took them so long to send me out a bill?? This bill was for a XXXX after which I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, resulting from the machine not being set up properly? I should have sued them back in XXXX.
Product: Debt collection

I contacted the collection agency in XX/XX/2022. I tried to get a pay agreement for XXXX installments, but the lawyer was rude and aggressive. Instead of paying the entire amount owed {$750.00}, he said I had to pay {$1200.00} upfront, give or take a few dollars, if I wanted to sett the bill. Honestly, the bills isnt mine. A family member stole my identity. Im putting my life back together and need the bill off of my credit report, but I dont have additional money to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that inquired made for a car or home loan within a certain amt of dares only count as 1 inquiry. I applied for a car loan at XXXX XXXX XXXX XXXX XXXXXXXX of XXXX. They then sent it out to over 15 loan companies. All should have been counted as 1. Same with a home loan applications I applied for in XXXX of XXXX. They say I have 28 inquired and I was recently denied loa n my and this was part of the reason. They dldo fail to report medical bills as medical. There is a collection acct assigned to credit services for XXXX XXXX. And it is no ok to marked nedical. I gave fou go t with takl 3 cc agencies since XXXX and am tired of refusals to issue credit because of there games and breaches. I am requesting your assistance to look into my credit reports and make them follow the law as I am tired of reminding them what the law is.
Product: Mortgage

My mortgage is held by Truist Bank. My homeowners policy was scheduled to renew XX/XX/XXXX. Approximately one month in advance of the renewal, Truist paid the renewal premium to the carrier. This caused by monthly mortgage payment to increase because the renewal premium was expected to increase approximately {$1200.00} annually. I called Truist and advised them that I was changing insurance carriers to because I was able to get a rate lower than I had in XXXX, so my monthly payments should actually go down. Because they had already paid the renewal, they indicated I would have to wait for the original carrier to refund me. I would then need to refund Truist before they would recalculate my payment. 

When I called back to advise Truist that I had refunded that money back to my escrow and wanted my payment recalculated, I found that Truist had made another payment to a carrier for a policy that is NOT in my name, NOT for my address, and has NO affiliation to me whatsoever. That payment was for the amount of {$6700.00}. They told me I would have to continue to pay the increased monthly rate until they got the money back from the erroneous payment, even though it was not my error in any way. To date, the have refused to issue a credit back to my escrow for their error. They said they could " request '' a corporate payment back to my account, but that it would take at least 15 days. This never occurred. I have called and spent hours and hours on the phone, but the situation still had not been corrected. They told me endless times that they WOULD NOT recalculate my payment, even though they were aware of the error and that I was in no way at fault. Over the weekend I received a notice from Truist that my payment would be going up another {$810.00} per month because of a recalculation that they did with the erroneous payment. 

I have received no calls back from Truist and have continued to have to call them over and over to get this corrected. They are penalizing the customer for their own errors and have not corrected the situation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to obtain credit. It, s my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
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
Product: Debt collection

I have been a fraud victim were someone has rented a property under my name. I don't know where it was, but a collection agency named Hunter Warfield placed the reference on my credit without validation for the amount of {$13.00}, XXXX. I can 100 % assure that this account does not belong to me. Apparently, the account rental was in another state that is not XXXX  where I have been living since XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Complaint against XXXX for Violations of FDCPA and FCRA. 


Dear CFPB Employee, I am writing to file a formal complaint against XXXX for their repeated refusal to respond to my disputes, thereby violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, XXXX is obligated to respond to my disputes and delete the disputed account if they fail to respond within 30 days. 

Details of the Complaint : 1.The FDCPA Violation : Despite my multiple attempts to communicate with XXXX regarding a disputed alleged debt, I have received no response whatsoever. This complete disregard for the FDCPA 's requirement to address consumer disputes in a timely manner is unacceptable. 
2. The FCRA Violation : According to the FCRA, any entity that fails to respond to a dispute within 30 days must delete the disputed item from the consumer report. However, XXXX refusal to acknowledge my disputes and their failure to act within the legally mandated time frame goes against this crucial consumer protection legislation. 

I have made several attempts to resolve this matter directly with XXXX, but their lack of response has left me with no alternative but to escalate my complaint to you.
Product: Vehicle loan or lease

XX/XX/2019 for XXXXbalance also loan and interest went up too high XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion used deceptive UI/UX practices to get me to sign up for a monthly subscription " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' service when I started the process to see my free annual TransUnions credit report. They also indemnify themselves from any partial or full refund so that once you discover their deception, you are unable to do anything about it.
Product: Debt collection

I have a very old account that I recently received notice for garnishment. It was from 16 years ago. I paid approx {$800.00} + dollars of a {$11000.00} amount. I have record and they were also notified of the amount. I also know they can only charge me 10 % of the remaining balance a year on the state of South Dakota. I also received a letter from them a few years ago that I did, in fact, pay that amount. So, now I get a garnishment order for the original amount. They say that is interest added on. I can tell you through basic math, that is not a correct amount. Midwest Credits refuses to update the amount. On Top of that, my employer is not calculating the amount correctly. They also refuse to correct it. I do have all paperwork associated with this claim. Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  Account xxxxxxxx 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: Checking or savings account

I did nothing they said there was nothing that can be done. I am filing this as i believe im owed part of the settlement they owe millions of people i have had account from XXXX  up until now.
Product: Credit reporting or other personal consumer reports

The company violated 15USC 1681 and reported erroneous and incomplete information and refused to send the 1099C as requested.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received phone call from Dynamic Recvy XXXX, stating that I owed a debt to XXXX for XXXX They had my current address and the supposed date of when I opened my account with XXXX. 

I explained I dont owe anything to XXXX XXXX Man on the phone started getting upset with me when I told him this. Said I was basically lying and running from my debt. That I should just pay the debt. I said no, I will not pay anything that I do not owe. 
He said I could go on a website to pay and it doesnt have to be over the phone.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Debt collection

Radius Global Solutions LLC : called me repeatedly at before XXXX and after XXXX, refused to identity who they were and the purpose of their call, continued to call me after I told them several times to cease. 

Months AFTER receiving these calls, they contact me by mail claiming they " just '' received the alleged debt. They are harassing me regarding a debt I do not owe.
Product: Checking or savings account

In XXXX, I rented a room at XXXX XXXX XXXX, XXXX IL XXXX from XXXX XXXX. 
I paid her a deposit of {$600.00}, and she opened a savings account in my name at Chase Bank, Account # XXXX. 
In XXXX, I moved, and XXXX XXXX gave me a check for my deposit in full, but she forgot to close the savings account. I continued to receive mail from the bank about the account. I tried to close the account and get her money so I could give it back, but the bank refused to give me the money or close the account. 
XXXX XXXX sent me a letter telling me that she did close the account, after I informed her of this situation. 
After that I continued to receive mail from the bank telling me that the account was still open. I attempted, several times to close the account, but the bank refuses to close the account, or provide me with a letter stating that the account is closed. 
Their final answer is that they refuse to close the account or provide me with a letter stating that the account is closed. 
I do not pretend to know what corrupt purpose is served by maintaining an account with my name on it which I can not access or close. 
Perhaps the bank needs to be fined in order to get the attention of the person who can provide written proof to me that the account is closed. Otherwise they refuse, and it does not seem like it could be legal to maintain an account in my name against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.
Product: Debt collection

The company representative have been calling our business, threatening us all the time using abusive language, talking to employees about the debt which they don't have to know about the financial situation of the business. we have tried to reason with him but it's impossible to deal with him. We wrote him and email about reporting him for abusive language and his response have been that we have to pay, which we want to do.
Product: Mortgage

We have been trying to get NewRez/ShellPoint Mortgage Servicing to sign a SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT for 7 months and they will not respond. This will cost the homeowner over XXXX XXXX dollars over the life of the lease. Please help us.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX XXXX XXXX has a late payment, XXXX XXXX HAS a late fee and XXXX XXXX XXXX and I set them the laws 15 U.S CODE 1681 ( 2XI ) A creditor can not treat a payment on a credit card account under an open and consumer credit plans late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed ..15US1666B ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit 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 not later the 21 days before the payment
Product: Credit reporting or other personal consumer reports

Experian has stated that they have investigated each account but has failed to provide me with the documentation that they collected to determine of the reports on the credit report are accurate. Due to the recent lawsuit CFPB filed against Experian for sham investigations for disputes, I demand to see all support documentation Experian used. Failure of Experian not to do so, is a violation of the FDCPA. Accuracy must me ensure on every single reporting item.
Product: Debt collection

I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate, but how is that if the Account Number, Date Opened, High Credit, Past Due, Comments and Date Last Active are DIFFERENT? This means the accounts have not been properly verified. Also, under FCRA 15 U.S.C. Section 604 ( a ) ( 2 ), my rights have been violated. I have not given anyone written permission to furnish these accounts on my credit report. The inaccurate account I have identified : 1. XXXX XXXX XXXXXXXX -- INACCURATE INFORMATION : Account Number, Date Opened, High Credit, Past Due, Comments, Date Last Active
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXXXXXX, account number 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 instruction.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuously grade my credit report low even though my history and account status is good. Recently after applying for a credit card, they reported my score 14 points lower than my actual score, and they have my score 30 to 50 points lower than the other two bureaus. I find it to be very bias and prejudice. This has been continuous for the past two years.
Product: Checking or savings account

I previously filed a complaint and BB*T response was lacking the necessary documents that were sent to me via email. They conveniently left out the fact that they sent me an email on XX/XX/2020 and I responded on XX/XX/2020. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. 

As you can see from the attached documents, I received the email on XX/XX/2020 ; at the bottom of the email is an attached word document. I responded to the email on XX/XX/XXXX with the response and two attachments : The Merchant dispute Letter and the PDF copy of the gmail correspondence between myself and the constitutional tax collector. The information contained in the word document which I have included answers all the questions they asked me over the phone in late XXXX. 

They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. At no time did ANYONE who answered say they needed more information or that they did not received my email. I want my complaint escalated and reviewed properly. 

Additionally, the response time went from 30 days to now 120 days? And with all of the back and forth has not a single person tried to give a provisional credit since it is clear the transaction was in error. This response is just insufficient.
Product: Mortgage

I purchased the property ( XXXX XXXX XXXX XXXX, PA ) in XX/XX/XXXX from XXXX XXXX XXXX.Made my monthly payments regularly until XX/XX/XXXX when i was behind by two payments due to loss of full time employment in XXXX. 
During this period I requested a loan modification so as to catch up on the delinquency.I 've been denied loan modification for the past 5 years ( see attached documents detailing mortgage payments and letters of denial of loan modification )
Product: Checking or savings account

I have been a customer of Discover Bank for five years. They have a bill pay service common to most banks. Some bills need to be mailed up to five days in advance of their due date. Recently, they made a change where you can not send out a bill payment unless those exact funds or more are in your account. This will make it so my bills will arrive late. 

For example, lets say I have a bill that is due on Tuesday. In this example, lets say my direct deposit arrives the Friday before. In the past, I could send my bill out on Tuesday or Wednesday the week before the bill is due, knowing that my direct deposit on Friday would arrive. 

The bank is nannying me to the point where I cant conduct business regularly. I tried calling them to see if they would change this, but the phone attendants are no help. They did not make this policy they can only apologize and explain it.
Product: Student loan

I am continually contacted by a student loan lender wanting me to consolidate my loans. The company is " The Student Loan Relief Department '' and they leave messages that are deceptive in nature. In general, the name seems to be deceptive in nature as well. The company calls and leaves messages that lead the consumer to believe that they are your federal student loan lender and need to talk to you about your loan to entice you to call them back. Their name and practice of their advertising/marketing is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Product: Payday loan, title loan, or personal loan

I purchased solar panels from XXXX XXXX XXXX and were advised that the payment for the panels would begin when the panels are installed. The contract was signed on XX/XX/XXXX and its now XX/XX/XXXX and I have no solar panels. I received a copy of the contract that stated my 1st payment will be due on XX/XX/XXXX instead Mosaic sent me a statement for a payment due on XX/XX/XXXX. I will have to pay 2 bills my electric bill and Solar bill with no solar panels to show for it. I was advised by Mosaic to discard the contract and pay them on XX/XX/XXXX. I asked to speak with the manager to get the situation escalated and at the end of the week I was advised to make the payment by the manager XXXX. 
This is very confusing and unfair to pay for goods and services I dont have especially when I have a copy of a contract with a different due date.
Product: Debt collection

ON XX/XX/2022 AT XXXX I SPOKE WITH A BULL CITY SOLUTIONS REPRESENTATIVE NAMED " XXXX XXXX '' I EXPLAINED THAT XXXX XXXX POSTED DUPLCATED ACCOUNTS ON MY CONUMER REPORT THAT REFLECTS NEGATIVELY ON MY CONSUMER REPORT. AS A RESULT, I HAVE DISPUTED THE ITEMS CONSIDERING THE 9 YEARS THE ACCOUNTS WERE LISTED ON MY CONSUMER REPORT WITHOUT MY KNOWLEDGE.