23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Apparently, my former insurance carrier ( via my parents ) was not billed for services when I received medical treatment at XXXX XXXX XXXXXXXX several years ago. They have now provided my personally identifiable information to a third-party, National Recovery Agency XXXX who damaged my credit by placing a collection on my credit report. I have not received contact from XXXXXXXX XXXX XXXXXXXX with any inquiries or to advise me of any billing issues. National Recovery Agency has also not contacted me directly in an attempt to resolve the matter. Only because I regularly check my credit, I found this collection. I can not verify that the amount they are claiming that I owe is valid, because I have not received a bill outlining the charges from XXXXXXXX XXXX XXXXXXXX or National Recovery Agency. 

My parents have a new insurance carrier as of this year. The former carrier, XXXX XXXX XXXX ( XXXX ), refuses to take calls or correspondence regarding prior coverage. XXXX is also known for not changing emergency visits to in-network to avoid paying valid medical expenses, since when seen in urgent or emergency care, you have no control over the network a physician uses for billing. My parents have also had difficulty with XXXX  not paying bills or taking calls, since my mother 's employer chose another carrier. My parent 's don't have an Explanation of Benefits ( EOB ) from services provided by XXXX XXXX XXXXXXXX, leaving me unable to verify whether my insurance was ever billed. 

Medical providers should have a responsibility to follow fact-based processes in good faith. They ask for insurance information before they will even see or treat you in an emergency situation. Yet, they don't follow through with the accurate and timely billing of your insurance, or give you an opportunity to ask questions or dispute claims. I should only be responsible for any remaining balance after my insurance pays based on my family 's coverage at the time of service. I do not and did not authorize the release of my information to any third party. National Recovery Agency has damaged my credit based on unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Mortgage

I am filing a complaint against Movement Mortgage for the financial situation outside of my control. I had a change in employment status at my previous employer at the end of last year. On XX/XX/XXXX, I attempted to work with Movement by requesting for temporary forbearance for 3 months in accordance to the Cares Act mortgage forbearance program. At the time, I recently secured employment and would start within 2 weeks. 


I was pushed away from this option by customer services reps in the loss mitigation department, via refusing to discuss the option and instead sent a form in the mail that required me to fill out personal information to evaluate the " assistance '' they would offer me. This was initiated by the loss mitigation support via email correspondence. 

This lead ultimately to a discussion on XX/XX/XXXX with another customer representative claiming that I need to pay the full amount {$6200.00}. They refused to accept anything less and refused to offer the forbearance as mentioned earlier. 

I withdrew most of the fund in my XXXX with previous employer to bring the account current status.I sent a check in the amount of {$6300.00} to their XXXX XXXX XXXX XXXX, GA that day. I request that their loss mitigation support to inform me of the arrival of the check. I heard nothing else from that agent. 

I was told by the agent that each month the balance would continue to increase and if the current balance amount was received by end of the month any checks wouldn't be accepted. This deeply bothered me as I simply desired for movement mortgage to get the account paid up as soon as I possible could. 

On the XX/XX/31, I called to make a phone payment in lieu with check in the mail. I informed the agent to simply return the check to me since they have done this to me in the past. I was told this was Ok and they comply with this request. 

On XXXX & XXXX noticed on my XXXX checking account that the check was cashed anyway and phone payment in the amount of {$6200.00}. This over drafted my account by {$6000.00}. I called their customer support on XXXX to resolve this. I told them that due to their actions, I don't have the funds to cover my weekly living expenses ( i.e. food, other bills ). I was told that they will send a refund check minus XXXX 's payment of {$1400.00} for the amount of approximately {$4800.00}. 

However to date, I have received no such check in the mail. I called XX/XX/XXXX to make XXXX 's payment and I was informed that the account is still showing approximately {$7000.00} balance which includes XXXX 's mortgage balance. I requested that since I haven't received the check via mail can they simply apply it to the balance. 

Over the course of most of the last 4 weeks, I have been on a phone call at least once a week with various agents that have attempted to resolve the issue on their reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I XXXX follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit card or prepaid card

A phone call purporting to be Chase telling me they could lower my interest on my credit card. I do not have a Chase card. the number that was used is XXXX. They have been calling form XXXX -xxxx varied numbers for over a week now and my number is on the do not call list
Product: Debt collection

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX  - XXXX XXXX  XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit card or prepaid card

Discover Card refuses to let me use the {$1900.00} credit I received due to a fraud dispute being decided in my favor. I tried to do a car advance twice for the credited amount and it went through. Then it was reversed and taken out of my {$11000.00} credit limit. They refused to reverse it back forcing me to pay the advance off. I paid {$1800.00} on XXXX. Because they wouldnt credit me back the way they should have. Now I still haven't been able to access or use the {$1900.00} credit I was issued.
Product: Debt collection

Opened XXXX XXXX XXXX  Account status Open PORTFOLIO RECOVERY {$2600.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
i do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act, I request that you validate this alleged debt. As required by 15 U.S.C. 1692g ( b ), I am exercising my right to request proper documentation to substantiate the following : A complete accounting of the alleged debt ( original amount, fees, interest, etc. ) ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature ; Proof that you are authorized to collect debts in my state ( license/registration if applicable ) ; Verification that you have the legal right to collect this specific debt. 

Until you provide full validation, you are required by law to cease all collection activities and reporting of this debt to any third parties. 
2. Request for Method of Verification ( FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ) If this letter is being sent to a credit reporting agency, I am also requesting the method of verification for how the disputed account was verified. 
Per the Fair Credit Reporting Act, you are obligated to conduct a reasonable reinvestigation upon receiving a dispute and respond with : The name, address, and contact information of the party that verified the information ; A clear description of the process used during the reinvestigation ; Copies of any documentation used to verify the accounts accuracy. 
If you are unable to provide this information, the account must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
This letter serves as a formal dispute and request for validation and verification under federal law. Please respond within the legally mandated timeframes ( 30 days for FCRA disputes, 5 days for method of verification requests, and timely debt validation under FDCPA ).
Product: Checking or savings account

On XXXX I called capital one at XXXX I spoke to a representative with a status on my deposit since it claims that it guarantees a pay advance. The employee did not bother to explain that there is a technical outtage. Instead the employee decided to persuade me that although it is an option to pay in advance. That this option is not guaranteed which confused me because the whole purpose of me switching to this bank was the guarantee of being paid early. Now Thursday has passed leaving me with no option but wait. Here comes Friday morning and still no paycheck. I give capital one a call on XX/XX/scrub>XXXX at XXXX XXXX and on hold for about two hours. The employee did the most just to verify my account. Asking me to please give my social, which I didn't feel comfortable doing so. Therefore, she asked for my account number which I provided. Then she continuously stall asking for many information including a verification code. I asked her maam what is going on with my deposit. She had advised that there working on restoring everyone 's account and that she apologize for the inconvenience. I had advised her if your company were aware of this situation Wednesday, why couldn't this email be sent on the day of? I could of asked my payroll department to stop the check and have my check manually today. The employees response was the same, I apologize for the inconvenience. Without any status of when will this be fixed. It is now Saturday, I have not gotten paid for the hard earned labor, I have put in. Now my family and I have no money to eat. These are the hardest time for the lower class. And now I can't feed my kids because of someone's foul play. This is absurd and very distrusting. I will never again trust a bank with my hard earned labor. Please help me with this occurrence. Have yourself a great day and a better tomorrow.
Product: Credit card

CapitalOne recently changed the payment workflow 's " remaining statement balance '' option. The amount has now been modified to remove pending autopay payment amounts. When combined with the prompt they show, to cancel the pending autopay payment, during the Make Payment flow, this can result in the customer paying less than the full statement balance if indeed they cancel the autopay as prompted. 

This appears to be a modification whose effect would be collecting an interest payment from customers who intended to pay the full balance and failed to notice the inconsistency.
Product: Vehicle loan or lease

Leased XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX leased the vehicle and I co-signed loan. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new loan for a smaller less expensive vehicle. He was denied. He explained to them that he was.unable to make {$360.00} a month payments as he lived on Social Security only & to be able to rent and live with the basics. His condition became intolerable he was living in hotels and the street. 
Hospital after hospital skilled XXXX one after another. Finally placed in a mental health facility and was diagnosed incapacitated. He ended.up in a Rest home unable to walk with complete loss of memory incontinent & died XX/XX/XXXX. 
I received a call from him saying a tow truck picked up the car. I received a notice about 5 months ago from a attorney/debt collector that they were representing Ford Motor Co for said debt of about {$13000.00} First of all I never received a notice from Ford that they were reprocessing the vehicle for non payment. Never were contacted about renegotiating loan or debt? I never received any document that they sold the said vehicle and how much they received? Is this amount with compound interest? Also during Covid I am continually getting harassed by letters saying that they are from XXXX civil division N.J. I l sent them a certified letter return receipt attached XXXX death certificate & asked then to contact me by mail so that we can discuss this matter. I did not give them my phone number as they probably would call off the chain. As I said I never received any of those documents to my home until I got the notice of debt from them? I live on Social Security raising my XXXX year old granddaughter. I own no car no home? I want to settle this matter. Please help me and explain my rights to me? Does Ford have any humanity? XXXX XXXX XXXX
Product: Debt collection

Complaint for Non-Response to Debt Validation Request Request for Removal of Alleged Debt I am writing to file a formal complaint against Jefferson Capital for failure to provide requested debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a written request for debt validation to this company on XX/XX/year> after receiving a notice of an alleged debt I do not recognize. Despite my timely request, I have not received any response or verification from the company, and over 30 days have now passed. 

Under the FDCPA, I have the right to receive written verification of any alleged debt, including the amount owed, the name of the original creditor, and an explanation of the basis for the debt. The failure of Jefferson Capital to respond violates federal consumer protection laws, as they are legally obligated to cease all collection activities until proper verification is provided. 

Due to the companys failure to comply with my validation request within a reasonable timeframe, I am requesting that the Consumer Financial Protection Bureau take action to have this alleged debt removed from my records, as no documentation of its legitimacy has been provided. Furthermore, I request that Jefferson Capital cease all collection activities related to this matter. 

Thank you for your attention to this complaint. I am prepared to provide copies of my written validation request and any other relevant documentation to assist in the resolution of this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had opened a complaint about inaccurate information on my credit report and demanded XXXX and XXXX fraudulent Divisions to resolve information from XXXXXXXX XXXX XXXX XXXX XXXX to be removed. The complaints are currently closed but the information is still not resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, inc. ) due to inadequate Customer service and unfair practices, Which violated the consumer financial Protection act ( CFPA ) specifically, cash app Well, to take timely and effective measures To prevent And address fraud on their platform. Leaving my account, vulnerable and unprotected against fraud. Furthermore, the dispute process was unfair and deceptive. As they did not comply With error resolutions Requirements under the electronic fund transfer act ( EFTA ) And Regulations E. These actions have called significant inconvenience and financial loss. I seek appropriate redress for these violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to XXXX and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against XXXX XXXX XXXX and ( XXXX XXXXXXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Checking or savings account

I opened a XXXX XXXX online savings account on XX/XX/23 because the interest rate was 5.10 %. I linked XXXX external accounts to make deposits. I opened the account with $ XXXX and another transfer of $ XXXX on XX/XX/23. 
The problem began on XX/XX/23, I received an email that my account is restricted and frozen. Followed by XXXX more emails regarding returned items due to fraud detection, which I did not do. Something happened and someone tried to transfer $ XXXX out of my account XXXX times. I could not access my account online because it was locked and there are no branches. I called the Customer Service line XXXX and was directed to call the Fraud Department XXXX. The Fraud Department does not pick up the phone. I left XXXX voicemail messages. I call the XXXX line everyday, multiple times and at different times of the day. No answer and continues to say the voicemail box is full and not accepting new messages. I also call the Customer Service line everyday and every representative said that they can not help me. The representatives also call the XXXX line and receive the same outcome : no answer and voicemail box is full. They have put in XXXX work order tickets and XXXX complaint ticket. It has been XXXX weeks, it is XX/XX/23 and I have not received any further emails, no letters in the mail, and XXXX correspondence from the Fraud Department. Customer service say they can not do anything. I continue to not have access to my money and no way of regaining access to my account. Please, please, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, / XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number XXXX, XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.