23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The Cherrington Firm, a debt collection agency to pay for this service. XXXX never contacted me and I assumed my insurance paid for the visit. I paid The Cherrington Firm and thought that was the end of it ( I have the receipt ). On XX/XX/XXXX -- one year later -- my wife received a call from the Cherrington Firm saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of XXXX. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. When I asked them for documentation to prove that I owed the debt, they responded saying it was past the statute of limitations and that they did not have to provide that information. On XX/XX/XXXX, they sent a letter saying that I had until XX/XX/XXXX to respond before proceeding. I disputed it online later that week. However, they called me on XX/XX/XXXX to say that they were moving forward and that it was too late to dispute the debt ( despite the fact that I had already disputed it at this point ). To summarize, they : XXXX ) Tried to collect on a bill I already paid. XXXX ) Refused to provide information proving I owed a debt. XXXX ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in deliberate attempt to drive up interest ). XXXX ) Lied about the deadline for moving it to their legal team.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a trial plan offer for the XXXX Modification back in XXXX. I completed the required 3 months and am still submitting payments. My dedicated specialist had advised me that the XXXX had been approved and that my final payment would remain the same as my trial {$620.00}. I received an offer through the mail for a XXXX XXXX standard modification agreement, the offer in tails different terms than what I was told over the phone. I spoke to my dedicated loan specialist XXXX XXXX and he specified that the XXXX modification was present in their system. When I contacted Nationstar today, I was told that XXXX XXXX was my dedicated specialist, he was not available to speak so I spoke to someone else, XXXX. I was advised that the XXXX offer was not in their system. I am seeking clarity and hoping to receive the XXXX offer I was advised I was approved for.
Product: Consumer Loan

The bank repossed my car for late payments. Even when I had the proof of being on time. They kept the car until they found the missing funds.
Product: Credit card

I had a Bank of America XXXX credit card that I pay to a XXXX balance in XX/XX/XXXX. Because it was set for auto payments Bank of America continued to take monthly payments. The account was paid in full. 
XXXX of XXXX I noticed this was still coming out of my account and called to find out why. They told me it was because I set an amount to come out. They told me that they had been generating refund checks every 90 days but that because there was no correspondence on the account they were never mailed out. They never contacted me by phone or email to inform me of these refunds. They owe me a total of {$2500.00}. 
I was told that two of the checks for {$100.00} each was sent to Arkansas state auditor unclaimed. I have received those two. I was told that six were sent to Bank of America unclaimed two for {$100.00}, one for {$100.00}, and four for {$160.00}. I called unclaimed and they admitted they were there but have been very slow sending them. This was in XX/XX/XXXX. No one can seem to tell me where my other money is which is very concerning. Ive been lied to by many agents that they are sending me a check but nothing on other 6 checks they owe me. I cant get anyone on the phone to solve the issue. They sent me on a wild goose chase to the local branch which they told me there was nothing they could do with a credit card issue. I need help. Thank you
Product: Vehicle loan or lease

I purchased a new Honda HRV car from XXXX Honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX on XX/XX/year>. I paid {$10000.00} in down payment and availed loan for {$24000.00} through Honda Finance and signed a contract for the same. The term was 72 months, and monthly payment was XXXX I registered myself on Honda Financial website. The online portal showed the monthly payment is {$510.00} and loan amount is $ XXXX contacted Honda Financial XXXX XX/XX/XXXX and they mentioned to reach out to the dealership and created a ticket for the dispute ( case # XXXX ). The help desk informed that the dealership needs to provide the correct contract details to Honda Finance, after which I will be able to set up my payment preferences. I reached out to the dealership and informed they have created a false agreement on XX/XX/XXXX. They ( Finance Director XXXX ) acknowledged over phone this was a mistake on their end and they will initiate a flat cancel of the forged loan agreement and I will receive a new agreement to sign with revised payment start date. On XX/XX/XXXX XXXX Honda sales personnel XXXX XXXX and his Honda finance team visited my residence to sign a new agreement with payment terms starting from XX/XX/XXXX XXXX signed the new agreement that they presented XXXXThey also confirmed that the flat cancel of the forged documents is in the process of being cancelled. Neither the flat cancellation nor the revised agreement is processed by Honda Financial since XX/XX/year> XXXX called Honda Financial multiple times to inform that there is payment due coming on the forged loan and they need to remove me from that account. Honda started calling me daily stating that the account is due for payment. After daily calls with Honda, a new Honda Finance personnel from the dealership said they are sending a new contract on XXXX XXXX. I did not sign this contract yet as they are back dated to XXXX implying that I have already defaulted on the payment .My credit reporting is already impacted with a whopping XXXX points reduction for the wrong loan agreement created by Honda Financial .Please help. I want Honda Financial/dealership to flat close the forged agreement and clear me from the wrongful credit reporting. I need need them executing the right agreement with a future date
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXDEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DOFED XXXX Balance : {$9000.00} XXXX/DOFED XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.
Product: Checking or savings account

PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.
Product: Debt collection

I am writing to formally file a complaint against IQ Data International, for their violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1681 and 15 U.S.C. 1692g.

The issue involves a debt related to an eviction that was terminated and sent to collections. Despite this, IQ Data International continues to report the account inaccurately as an open account with an open balance and missed payments to credit reporting agencies. This reporting is materially misleading, violates federal law, and harms my credit reputation.

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to provide accurate information. Reporting this terminated account as open, with an open balance and missed payments, is not only factually incorrect but also constitutes willful noncompliance with the FCRA. This account should be listed as a closed account, as the original contract ended when the matter was terminated and sent to collections.

Additionally, under 15 U.S.C. 605B, I have the right to dispute and request the removal of inaccurate information. I have previously submitted disputes directly to IQ Data International and the credit reporting agencies, yet the inaccuracies remain uncorrected.

Under the FDCPA, specifically 15 U.S.C. 1692g, debt collectors must provide accurate validation of the debt. The lack of transparency and failure to update the status of this account reflect a disregard for this obligation. By knowingly misrepresenting the accounts status, IQ Data International is engaging in deceptive practices that violate my rights under federal law.

To resolve this matter, I request the following : 1. Immediate correction of the reporting to reflect the account as closed with a {$0.00} balance under the original creditor, with the debt listed as transferred to collections.

2. Full compliance with 15 U.S.C. 1692g by providing proper debt validation and ceasing all inaccurate reporting.

3. Removal of any negative credit marks caused by this misrepresentation.

Please treat this complaint with urgency. If this matter is not resolved promptly, I will consider escalating it further, including legal action if necessary.
Product: Vehicle loan or lease

Despite providing all necessary documentation and repeatedly communicating with Penfed  representatives, PenFed added Incorrect charge ( CPI ), inflated my monthly payment and when I didn't agree with their assessment, they continued to add fees, send bad report to Credit Bureaus repeatedly damaging my credit. The details are listed below : Incorrect CPI Charges and Late Fees : PenFed  wrongfully added Collateral Protection Insurance ( CPI ) charges to my account due to an alleged lapse in coverage, which has already been disproven by the timely submission of my insurance documents. These incorrect charges led to inflated payment amounts and late fees, which I do not owe. 

Failure to Update Account After Refund Issued : Although I was informed that a refund was issued several days ago, PenFed has yet to adjust my account balance or payment amount. I continue to be charged inflated payments due to this delay, resulting in further financial stress. 

Negative Credit Reporting : PenFed has been sending erroneous credit reporting for more than 8 times to Credit Bureaus. Their representatives have stated that negative credit reporting and late fees will continue until the refund is processed from their Insurance Provider ( For the Incorrect charges they added on my account ). This is unacceptable, as I have met all my obligations. Incorrectly reporting my account as delinquent is a violation of the Fair Credit Reporting Act and has already caused harm to my credit score.

Lack of Resolution : Despite their representatives confirmation, including XXXX XXXX and XXXX XXXX, acknowledging the errors, there has been no timely resolution. This negligence has caused ongoing financial hardship, and I am being unjustly penalized for mistakes made by PenFed. Until the submission of this letter, my account shows as delinquent even though I am paying the original agreed amount. 
Not only that Penfed has sent me a letter to repossess my vehicle in addition to making this error and lack of action on my account after they have received all the information from me and their Insurance provider.

Recently, they told me they would reverse the fees but my account will remain delinquent until they have received CPI refund from their Insurance. If this CFBP complaint does not result in a resolution as stated below, I will be forced to present my case against penfed through other legal means
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened online, in my name with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not know about these accounts until I received a debt collection letter in regards to one of these accounts. These are fraudulent accounts that I never opened! 

When I became aware of the fraudulent accounts, I immediately opened disputes with credit bureaus, reported to XXXX XXXX XXXX fraud department and XXXX XXXX XXXX XXXX   fraud department for investigation on XX/XX/XXXX. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft. 

I received a collection letter for the amount of {$7800.00} from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with XXXX XXXX XXXX with a balance of {$990.00}, and the other with XXXX XXXX XXXX XXXXXXXX in the amount of {$7800.00}. I have never received a card for the accounts with either company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the accounts. I did NOT apply for the accounts!!! 

XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX also never contacted me to verify my identity before the accounts were fraudulently opened in my name! 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get these removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE ACCOUNTS OR INQUIRIES
Product: Credit reporting or other personal consumer reports

I have an unknown fraudulent account from XXXXXXXX XXXX XXXX being reported on my XXXX, Equifax and XXXX.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}
Product: Checking or savings account

I am filing this complaint because Capital One has failed to deposit my direct deposit from my employer into my account. This issue began on [ insert date of the expected deposit ], and as of now, nearly two days later, the funds have still not been deposited. 

Capital One has indicated that this delay is due to a technical issue, but this is unacceptable. This situation has caused significant hardship for my family and me. We rely on these funds for essential expenses, including rent and childcare, and this delay has left us without access to our money. 

Additionally, many of my bills are set up for automatic payment from this account, and I am now at risk of incurring late payment fees and penalties due to insufficient funds. I would like to know how Capital One plans to address these fees and compensate customers for the inconvenience caused by this failure. 

I am extremely disappointed by this experience and urge you to act promptly to resolve this matter.
Product: Debt collection

Dates are unknown but one if few creditors have made repeated calls to a step-parents work.. I never provided that info and I don't even know that info ... They have been asked to stop calling them on several attempts..NAME OF COMPANIES ; It is unknown which payment processing server is calling her. According to her they won't identify name of comoany, number is unknown because it us going though a switchboard no caller id ...

1 XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX None of these companies were provided with her work info.. All should have my address, my e-mail, and phone numbers for me and my wife..
Product: Vehicle loan or lease

I am being asking for a refund on the Sales Taxes that Chrysler Capital ( XXXX XXXX XXXX XXXX ) asked me to pay them, but then when I went to the Florida XXXX I was asked to paid them again because it was not listed in the bill of Sale. Since I paid already twice my Sales Taxes, I am asking for the refund to Chrysler Capital. XXXX. I received my XXXX XXXX on XX/XX/year>, for {$36000.00} including the Sales Taxes amount of {$2100.00}. XXXX. I sent a check for that amount of {$36000.00} that was received by Chrysler Capital on XX/XX/year> XXXX. I received a Bill of Sale on my mail on XX/XX/year> for only {$34000.00} with Sales Taxes in {$0.00}. XXXX. When I did the change on the XXXX on XX/XX/year> they asked for my bill of sale and since it showed {$0.00} on Sales Taxes, they charged me again the amount of {$2100.00} for the Sales Taxes plus fees I am been calling, sending faxes and asking for refund since then. They sent me a corrected XXXX XXXX XXXX on XX/XX/XXXX and asked me to go to the Florida Department of Revenue in order to get my refund. The Department of Revenue then asked me to get a signed XXXX form from XXXX but it is impossible to get help from them after you payoff your lease. 
In calls they say that my account does not exist and that my VIN number does not appears in their system. 
I need the refund for the Sales Taxes that I paid either by Chrysler Capital or the requested Form and a direct contact that can help me with this concern after 3 months of asking for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to Transunion that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
Product: Debt collection

Company shared personal informstion via email with a XXXX party in regard to a debt claimed to owed by me. 

XX/XX/2023
Product: Credit card

I am writing to formally lodge a complaint against CareCredit regarding several troubling issues I have experienced with their services. Below, I outline my concerns : 1. Misleading Information from Customer Service On approximately XXXX XXXX XXXX I used CareCredits online chat service to inquire about making an additional payment on my account, as I was unable to do so through my online account. During this chat, I was informed by the customer service representative that I could only make one payment per billing cycle and would have to wait until the next cycle to make an additional payment. This information was incorrect, as I was able to make a second payment the following day. 

2. Difficulty Obtaining Chat Transcripts CareCredits online chat feature complicates the process of obtaining a copy of the conversation. Dollar amounts discussed are obscured, preventing me from fully understanding the details of the interaction. Additionally, the survey completion option and the transcript request option are mutually exclusive. If I choose to fill out the survey, I lose the option to receive a transcript, and when I request a transcript, the survey option disappears. Furthermore, the print button for the transcript does not function, and there is no email option to send the transcript to myself, which hinders my ability to maintain accurate records of communications. 

XXXX. Payment Allocation Issues On XX/XX/2024, I charged {$3100.00} to my account with a Fixed APR. I subsequently made a payment of {$3000.00} on XX/XX/XXXX and received a credit of {$800.00} on XX/XX/XXXX, followed by an additional payment of {$2000.00} on the same day. CareCredit only allocated the minimum payment plus interest to my Fixed APR balance and directed the remainder to my interest-free deferred payments. Consequently, I incurred interest on the remaining balance of the Fixed APR, which contradicts standard practices of prioritizing higher-interest balances. 

On XX/XX/XXXX, I reached out to customer service again to address this issue and was told my request for reallocation was unsuccessful in XXXX, but successful on XX/XX/XXXX, with visibility in 1-2 billing cycles. I was then informed that I needed to contact a different department for resolution. On XX/XX/XXXX, I called and spoke with a representative named XXXX who informed me that CareCredit would only allocates the minimum plus interest towards the Fixed APR balance and that I would have to call and request allocation of payments each time I made a payment, which is unreasonable and impractical. 




Thank you for your attention to this matter. I look forward to your response. 

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

I've disputed with XXXX, Trans Union and XXXX, and they will not remove all the negative items from my credit as requested.
Product: Debt collection

See attached letter to you explaining all of this and my letters to XXXX with proof of not owing debt.