23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service for attempting to collect a debt that I do not owe. According to their correspondence, they claim that I owe them {$29.00} for an outstanding balance on a XXXX XXXX XXXX XXXX bill. 

I have proof that I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXXXXXX bill. The payment was made on XX/XX/2022 and the payment was fully processed and cleared by my credit card company. Diversified Adjustment Service is falsely claiming that I owe them money. 

I am very concerned that Diversified Adjustment Service is attempting to collect a debt that is not valid, and I believe that their actions are in violation of the Fair Debt Collection Practices Act. Their attempts to collect this debt have caused me undue stress and anxiety, and I fear that my credit may be negatively impacted as a result of their actions. 

I am requesting that the Consumer Financial Protection Bureau investigate Diversified Adjustment Service for their unlawful debt collection practices. I also request that all negative marks on my credit report be removed as a result of their false claim. 

Thank you for your attention to this matter. 

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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, illinois XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

XXXX. XXXX XXXX XXXX XXXX has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

XXXX. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), XXXXXXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by XXXX XXXX XXXX XXXX and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX
Product: Checking or savings account

RE : CFPB Complaint Against Citizens Bank - Dispute Claim XXXX I am filing this complaint against Citizens Bank regarding their improper handling of my dispute with XXXX Credit Experts, in violation of Regulation E and the Electronic Fund Transfer Act ( XXXX ). 
On XX/XX/2024, I filed a dispute for unauthorized charges from XXXX Credit Experts. Citizens Bank denied my claim, stating I " did not provide proof that services were not rendered. '' This denial violates federal regulations for several reasons : Citizens Bank 's requirement for me to prove non-receipt of services contradicts Regulation E, which places the burden of proof on the financial institution. 
The bank 's position is logically impossible to satisfy - one can not provide documentary evidence of something that did not occur. 
The promised service ( removal of collection accounts within 90 days ) has demonstrably not occurred, as evidenced by my unchanged credit report. 

The bank 's actions violate : XXXX Section 909 ( b ) regarding investigation requirements Regulation XXXX XXXX ( c ) concerning error resolution procedures CFPB guidelines on dispute investigation standards Requested Resolution : Full reversal of Citizens Bank 's dispute denial Refund of all charges from XXXX Credit Experts Review of Citizens Bank 's dispute resolution practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had signed up for credit repair services with Lexington Law in XXXX and continued in XXXX, however, their results were not very successful and I had paid quite a bit of money from the time they started charging me till I terminated the service in XXXX. 

Today, my credit report is nowhere any better than what it was 2 or 3 years ago and their effort did not translate into any success and was very slow to remove any discrepancies and inaccuracies on my credit report. In fact, I have to engage a new service provider as they have to now clean up the mistakes and find areas that Lexintong Law neglected. Their approach is to keep the customer signed up for a long time, but acting on negative items one bureau at a time so it takes longer to clean up the report, and the customer continues to pay monthly service fee..It is one thing to keep paying the fees as long as the results are there to show, but this company did marginal work and charged very high fees to what I can pay now someone else for doing the same amount of work.. 

I am very disappointed that they are able to get away with this type of practice for sub-marginal work and consumers do not know any better and are looped into their approach. I believe there was a class-action lawsuit against them for unfair business practices and gouging people with high prices.
Product: Credit reporting or other personal consumer reports

I filed a dispute to remove incorrect addresses to the XXXX bureaus and they refused to remove them I'm not associated with those address that are on my credit report
Product: Checking or savings account

We had a banking account with Simple, but it was shut down and our accounts were merged with BBVA Compass on XX/XX/2021. We tried to activate our new account with BBVA Compass so we could have access to our account and money, but we have been completely locked out. I have tried to call their customer support line, the one they said would be open on XX/XX/2021 ( Reference : XXXX  : XXXX ), and every time I call the person on the other end pretends they can not hear me and hangs up. It has been over 24 hours since we have had any access to our money, and BBVA has not contacted me or offered any solution that would actually fix the problem - despite the fact that I have tried repeatedly to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXXL XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I visited a dental office named XXXX XXXX XXXX here in XXXX, Texas. My dental visit entails just regular XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX, being covered for the services was not an issue. Per my review of the XXXX explanation of benefits, the entire visit was covered and I had a {$0.00} balance for the visit. However, I recently checked my annual Transunion credit report. To my shock and surprise, a XXXX XXXX  via XXXX XXXX XXXX XXXX ( Which is the Parent company for XXXX XXXX XXXX ) performed an account review " credit check '' on XX/XX/2022. To the best of my knowledge and according to the Fair Credit Reporting Act, they need my permission for that. My first concern is, can a healthcare provider check my credit without my consent or knowledge? I wasn't applying for credit to pay for any services. My insurance paid the entire bill. ( I have documentation up request ) I didn't request to be screened for a medical loan of any kind. Nor did the provider ask to be considered for a firm offer of credit. The only relationship between us is patient and healthcare provider. Also, with the hospital not even being a lender, it doesnt have the capacity to make any kind of firm offer of credit. For this visit, according to my XXXX insurance paid claim status I had a {$0.00} balance. So, this couldn't have been for collection purposes. The healthcare provider, didn't get any written consent or authorization from me. So at this point, I am puzzled why the invasion of privacy by this provider. To add insult to injury, all of my credit reports including Transunion, has been opted out of promotional lists supplied to creditors. My question is, would this be a FCRA XXXX violation? Or at the least a Deceptive Trade Practice violation.
Product: Checking or savings account

I am writing about the discrimination by Bank of America and XXXX XXXX who are about to move forward with actions against the lawful financial activities of lawful American gun businesses to try and destroy them. This should not be allowed to happen under the law of the land The United States Constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX XXXX -- XXXX XXXX. XXXX XXXX- XXXX XXXX. XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.
Product: Mortgage

We sent many documents to this company to work with NationStar/Mr. Cooper on our behalf. Every application was denied. We later found that the information concerning our income was incorrect. But at this time we have submitted an appeal of the decision but we have not heard anything from Mr. Cooper concerning the appeal and the submission of new documents, We have XXXX children and we sincerely need our home. 
Before we contacted XXXX XXXX XXXX we tried to talk to Mr. Cooper they wouldn't talk to us or give us any information. 
They filed foreclosure against us and had an auction date for our home before. 
The XXXX XXXX XXXX told me to file bankruptcy to stop the sale. I thought they were going to file it for me but they told me I had to do it my self. I did file and now we have the appeal submitted and the bankruptcy has been dismissed. We are very nervous that a new auction date will be given to us and we could lose our home. We do have money saved to pay toward a good faith payment if they would only give us another chance. Please help us all you can. 
Thank You
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as I normally do, but this time, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical issue, but the errors remained. Since the inaccurate accounts did not disappear, I kindly request a thorough review of the documents I submitted to ensure I no longer have to worry about this.
Product: Credit card

I purchased a {$500.00} visa gift card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$500.00} ( {$500.00} for the gift cad, and a {$5.00} activation fee ). THe gift card had {$0.00} funds on it. I attempted, over the course of several months and at least 10 phone calls, to resolve the issue with XXXX ( who issues the gift card ). They never provided a replacement card with funds on it. I disputed the transaction on my credit card. CITI labeled it as " did not receive a service '' and requested documentation from me. I sent them documentation explaining that it was a gift card that was sold to me with {$0.00} in funds on it. I included pictures showing the defective card ( which had paper over the barcode, which is what made it unusable ). CITI closed the dispute and claimed I did not " prove '' I never received the service and that I had not responded to their requests. I attempted to reopen the dispute, and they did the same thing again. THey have not specified what documents they woudl need -- I was sold a product, but was never give that product. To continue to bill me for this is fraud.
Product: Credit card or prepaid card

On XX/XX/20 an unauthorized charge was made on my Chime XXXX XXXX account. I immediately contacted the customer service team to stop the transaction. The agent informed me that the charge would need to clear before I would be allowed to dispute the fraudulent charge. After the payment cleared I submitted the dispute, it was investigated and then on XX/XX/20, I was informed that the investigation results determined that the transaction was not a billing error, and my money would not be refunded. I requested the paperwork that was used in the investigation that caused them to come to this inaccurate conclusion. According to the credit agreement, they have 10 days to turn over the documents in this case. They have not complied, nor have they followed up with any of my emails since. The charge in question was made from a XXXX for {$94.00}. This is all the information I have and can not find a business with this name. I was not able to get any more information from Chime support. The credit agreement stipulates that if Chime XXXX XXXX does not follow the correct procedures in the dispute process then I would not be responsible for {$50.00} of the charge in question. I have not received any response from them regarding this issue either. I do not know what else to do at this point.
Product: Mortgage

In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.
Product: Debt collection

i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with credit collection services. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX  ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX
Product: Debt collection

Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
Product: Credit card or prepaid card

XX/XX/23, someone used my information to fraudulently apply for a credit card with capital one. i had a credit freeze in place so i received an alert about a credit inquiry. i called capital one immediately. 

this happened again on XX/XX/23. it happened a XXXX time also on XX/XX/23. 

i had to spend my valuable time calling capital one multiple times to make sure the credit card applications were shut down and request that capital one open investigations to prevent this from happening moving forward. yet it happened a XXXX time after i initially called. 

calling capital one is very inefficient and their initial customer service team members are poorly trained. there is no direct # easily found to get in touch with their credit card fraud department. i was transferred multiple times and had to be on the line for over an hour. very frustrating!
Product: Credit card or prepaid card

During a move into a new residence, I had signed up for a line of credit with a local carpet store, XXXX XXXX in XXXX 2016 to finance half of the total carpet installation cost. I was told that the first 12 months were interest free. This left me to understand that I would be charged no interest for the first 12 months and if I was, it would be on the left over amount after 12 months. This deferred interest was not properly explained and I was blindsided by the 200 % increase in my last bill. This is more infuriating since I have about 3 payments left to make. Furthermore, the statements did not arrive at the correct address and so I only began making payments in XXXX 2016 which led to believe the 12-month repayment period will begin in XXXX 2016. However Synchrony Bank did n't offset the start of the 12 month period from the first payment but rather kept it at the date of borrowing, XXXX 2016. I am writing to ask that I repay the leftover amount in total without penalty. My over-payments in past billing periods will prove my intentions to meet the 12 month repayment obligation. However that was upended by a lot of misunderstanding.
Product: Bank account or service

I opened an account and everything was fine besides a discrepancy about fees that were assessed. that was corrected and now here we are yet again. Only this time, I deposited a check in light of it clearing there was fraud on that account and I had to close. As a result I went to a ATM and deposited more then enough to cover as a supplement so to speak, since when I called customer service they advised me there was nothing that they could do since it was done via mobile. Now here we are and they are keeping the money that I had in the account and charging fees that I would not have if I were to have the debit card to make transactions. This is very draining having being a new member and being as up front as possible. They locked all access and told me that the debit card is no good. All of this was done with no written communication. If I did not visit and ATM for it not to take my money. I would never know the problem when actually I still do not know the issue since I tried to clarify fix the problem. I could not help my stuff stolen and the only option was to close the account. In addition is was a first time offense.
Product: Debt collection

I have never been contacted by the original debtor for debt or current debtor.