23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. 

This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806.
Product: Debt collection

On XX/XX/XXXX I began a course of treatment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wound, Ostomy, and Hyperbaric Center ( Center ). On that date, and subsequently on XX/XX/XXXX, I signed an " Authorization for and Consent to XXXX or XXXX XXXX XXXX XXXX XXXX' form. That form contained a notification that " independent medical practitioners '' would be submitting a separate billing for my treatment at the Center. XXXX would send billing for the use of the Center.. For services provided from XX/XX/XXXX through XX/XX/XXXX I received a separate billing from SAMC for use of the Center and a separate bill from the physician for the medical treatment. Commencing for service billings in XX/XX/XXXX through XX/XX/XXXX XXXX sent me combined billings for both the physician service and the use of the Center. My treating physician continued to bill for services separately, per previous practice. 

When I became aware of this change I contacted XXXX  in XX/XX/XXXX regarding this discrepancy. Over the intervening period I have had multiple contacts with XXXX representatives. In XX/XX/XXXX I was advised by the XXXX Risk Manager that she had authorized a correction after XXXX of our meetings, but that it apparently had not been implemented. 

In XX/XX/XXXX I was advised that my account had been turned over to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit card or prepaid card

I asked to have the program fee waived and I needed this card for my new job. It seems like my request is being ignored.

I received the Total Card Visa in the mail. I called to see if the program fee could be waived. When it could not be waived I tried to pay it via my checking account and a debit card. I was told that if I pay the remainder via debit card my account would be opened. My cousin tried to help me out with that and I was given a different date as to when the card would be activated. I have cold corporate several times to complain about this. Whenever I'm transferred over to the presidential line, it goes straight to voicemail. I have not had anyone contact me except for one time. The way I see it this be should be waived because of all of the crap I've had to endure trying to get this one issue resolved. And the way I see it, I shouldn't even have to pay my first month minimum payment because of this mess. I feel like my issue is just as important, and I shouldn't have to wait days for someone to get back to me only to tell me they can't wave it when I know that there is a way you can do it. The program fee is {$89.00} of which I've paid 30. And this is not even money of mine this is money that belongs to my cousin that I have to pay back. I don't like the  miscommunication that I've been given and I feel like I should have this card activated because of it.
Product: Credit reporting or other personal consumer reports

Went on XXXX and discovered that there are multiple Credit Cards opened on ; 1 ) XX/XX/XXXX ( AMEX ), 2 ) XX/XX/XXXX ( XXXX XXXX  ), 3 ) XX/XX/XXXX ( XXXX  XXXX ), 4 ) XX/XX/XXXX ( XXXX XXXX  ). I do not claim and reporting this as fradualent actiivity. The reported credit limit is ; 1 ) {$8000.00} AMEX, 2 ) {$3500.00} XXXX XXXX  ( XX/XX/XXXX ), 3 ) {$3000.00} XXXX XXXX, 4 ) {$3000.00} XXXX XXXX  ( XX/XX/XXXX ) and have reported and submitted a claim to XXXX.
Product: Checking or savings account

Hello, I have requested my account number and a copy of my statements from a closed account.
Product: Checking or savings account

XXXX XXXX Sent on XXXX from XXXX to M & T for {$1800.00} for my mortgage payment and M & T says it was never received Sent bill pay for may payment for {$1800.00} from XXXX to M & T said they never received started 3rd party investigations with both banking institutions. 

XXXX is saying m & T accepted funds and M & T is saying they were rejected, meanwhile my mortgage is going on 3 months late!! 

H E L P!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly.

Thank you for your attention to this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card

Throughout the history of this account, I've consistently made sure that payments are made on time, avoiding any instances of overdue payments. However, I find myself uncertain about the origins of reports indicating late payment remarks on my accounts. Referring to XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Checking or savings account

Capital one is the bank I use for my paycheck and direct deposit. Its pay day today but they are still withholding my money. I wasnt able to pay bills or buy food and other items. Its put me in a terrible position as I live check to check.
Product: Credit reporting, credit repair services, or other personal consumer reports

a secondary agency reported a bankruptcy to my Transunion credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies
Product: Credit card or prepaid card

Alliant Credit Union is the worst financial institution I have ever dealt with, in more than 25 years. 

I signed up for their Alliant Cashback Card, which awards unlimited 3 % cashback during the first year on all purchases. Within a couple of months, I received notice that they were changing their terms to cap the cashback only to the first {$10000.00} in purchases each month. 

Even more troubling, they make it very difficult to access your cashback. If you don't have another account with Alliant, your only option is to request a credit to your credit card balance. But they intentionally throttle these request -- in tiny print on their website, it says : " Cash Back  rewards applied as a statement credit to your card may take up to two billing cycles depending on the date redemption is requested and the closing date of the billing cycle. '' I did not see this small notification, and so for two months I paid my account balance in full minus the amount of cashback I processed as a statement credit. Because of the intentional throttling, they charged me {$180.00} in interest. And although I spoke with multiple customer service representatives, including two different supervisors, they refused to refund any of these interest charges. Their position, which is absurd, is that they lack the discretion to ever refund any interest charges.
Product: Credit reporting or other personal consumer reports

I reached out multiple for this account to be investigated and verified but not once did I get the original contract as I requested, I also asked them to show how the company verified my account and was not shown either this account is from XXXX XXXX
Product: Vehicle loan or lease

I applied for preapproval for an auto loan from chase bank in the early part of XXXX and recieved pre-approval for {$32000.00}. I shopped around and because i didn't want my credit hit by multiple inquiries I went back to Chase and applied for the car that was less than the pre-approval. I was contacted by the underwriter and provided the information about where I wanted to get the car from and all the cars details. They sent me the denial a couple days later on XX/XX/XXXX. I called when I didn't recieve the reason for denial in XXXX business days, approximately the XX/XX/XXXX and I was told that a letter was generated and sent and I swear I never recieved it. I asked if they could resend it. They said theybwould, but I didn't ever get it. I sent another email complaining about the discrimination patterns and why they are not telling me why they denied the application. I complained about excessive fees they are assessing to my business acounts and why they insist on not telling me about the denial and they responded with an email that i should call. Again they told me they were going to send the letter. They still have not now XXXX weeks later. I believe these elaborate schemes are an act to sabatage my businesses by this frivolous denial of credit. I believe that this is just another act of discrimination and taking adverse action against me before I have a opportunity to correct, but I don't know what reason they are saying. If its possible the information is elaborately schemed to damage my reputation and Chase perpetuated the slander well that should be punished and damaging me is near irreparable without time and difficulty to restore my reputation.
Product: Mortgage

around late XXXX early XXXX of 2016 I XXXX XXXX attempted to obtain a pre-approval letter from wellsfargo home mortgage/bank in XXXX Georgia through a mr. XXXX XXXX XXXX the mortgage rep. at XXXX XXXX XXXX to begin the purchase process of a house that my wife and I had located in XXXX ga. XXXX XXXX XXXX XXXX. XXXX..since I could not produce the approval letter in a timely manner the seller chose to put someone else in the front of the purchase line, but said that we could still make a back up offer in case all others fell through ... XXXX had me to bring multiple documents on various occasions to help in hopes of getting pre approved among those was a {$410.00} postal money order, that was clearly marked as for appraisal fee money only. for which I was told would be required as part of receiving the approval letter from wellsfargo. after one day of submitting all requested documents, XXXX XXXX told my wife an I that we were denied the approval amount needed for the purchase of the house ; I then said no problem and requested any and all documents be returned to me, but was told that the money order was already deposited and that it would take XXXX7 days to get it back, after 10 days, I called XXXX back to inform him that I had n't received my money back, he then told me that it was suppose to take 30 days. it is now going on two months and I still have not received my money back. I have made several called complaints to wellsfargo with no results, I was told by the last wellsfargo home mortgage complaint rep. the it was in the mail minus {$11.00} supposedly for a credit check which I was never informed of or made aware of as the money order was specifically for an appraisal fee in the event i got approved to purchase the house. as of to date i have still not received my noney back and it 's going on two months. as a XXXX Veteran of the United States XXXX i find their treatment very disrespectful and harmful to XXXX. if possible any further information needed i would be happy to provide. wellsfargo in my opinion has committed bank fraud.
Product: Debt collection

I was notified of the debt of a substantially old account related to Television Service. I disputed the account directly with the agency within 30 days of the original notice of the debt with the agency. I requested verification and validation as required under the FDCPA. The company failed to respond to the request or validate the debt as required and requested. The debt has been reported to the credit bureau and has not been reported or or acknowledged as in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently working as an active military hours in the XXXX XXXX and this company is giving me a hard time by telling me false information i responded to their letters and i even contact back and left them a voice mail stating that i'm going to basic training for the XXXX XXXX. i wouldn't have any way to make any contact while i'm at XXXX texas on XX/XX/XXXX to XX/XX/XXXX that when i graduate from boot camp. i only gotten this responses from them .. '' A review of your accounts confirms on XX/XX/2018 you closed your credit card ending in XXXX as a lost card with a total fraud claim of {$1700.00}. This claim was reviewed on XX/XX/2018 and denied. A letter was sent the same day reflecting this information. '' which is also false because these transaction added up a different amount XX/XX/2018 XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SALE REVERSAL More info Select to Expand XXXX XX/XX/2018 TEXAS XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 SURF XXXX XXXX - XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX # XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX 'XXXX  XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX  # XXXX XXXX  CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX & XXXX XXXX CA More info Select to Expand XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX CA More info Select to Expand XXXX and this are the claim that i have responded back to you guys in your letter and you guys need to read my letter and stop acting like you guys didn't receive it. please stop sending me false information.. i will be in XXXX  for my XXXX XXXX so the best way to reach me is by my cell phone and if i don't respond it's because i'm in the military.
Product: Debt collection

I am on active Military duty, and I canceled the card used in my gym membership since I wouldnt be home and now I am XXXX $ in debt to a gym membership I was not even home to use or have a card for.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports