23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint ID XXXX XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her. 

He company responded saying : This matter has been removed from all credit reporting bureaus, as Consumer disputed this matter during the 30 validation period. We have requested the Itemized Bill for Consumer 's review. All Communication with Consumer has ceased. Once Consumer reviews the Itemized Bill, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you.

Communication has not ceased. On XX/XX/19 at XXXX MST, I got a phone call from XXXX XXXX, she left a message and did not disclose that it was a call from a debt collector, just that she was calling about my XXXX XXXX schooling. I have not received an itemized bill from the original creditor, and the matter was ADDED to my credit last week. Additionally, I was contacted again today XX/XX/19 by another person from this company at XXXX MST. 

I want the company to uphold their statement by sending me an itemized bill and ceasing communication. I will only communicate with them via mail. XXXX XXXX is also not identifying herself as a debt collector. I also want this debt immediately removed from the credit bureau ( as stated from the companys response ) as I am disputing this matter.
Product: Debt collection

I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. 

Inquiry : 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 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
Product: Credit reporting or other personal consumer reports

I recently studied my credit report and noticed accounts that I didn't recognize
Product: Student loan

Hello there, I took a student loan from Wells Fargo in XXXX for XXXX degree of my son, in total amount of {$49000.00}. The interest rate was % XXXX fixed for about 15 years. From that time up to now although my monthly minimum payment had been always too high, I have never been late and there was no defult. I have regurarly paid by now and the current balance is {$31000.00} with minimum payment of around {$350.00} per month. 
From 3 years ago, when my spouse lost her full time job, I have started negotiating with Wells Fargo to refinance this student loan or lower theinterest rate or increase the remaining period to reduce the minimum monthly payment amount because it is very hard for me to pay. Any how, not anly they never agreed, but they fritghtened me that they may increase the interrest, while the intereset is supposed to be fixed!! In this case, may you please advise if there is a solution? May you convince Wells Fargo to exened the remaini re-payment period to 15 years from now keeping the same interest rate? 
Thanks and best regards, XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TransUnion Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal 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
Product: Debt collection

According to my credit report, this company reported negative information on XX/XX/XXXX 2 years after my last payment of {$650.00}. My residency ended with the company on XX/XX/XXXX. There were no judgements filed regarding this matter over the last 6 years, just negative reporting on my credit report.
Product: Credit reporting or other personal consumer reports

ON or around XX/XX/year> I was contacted by who I believe to be XXXX XXXX XXXX XXXX ( XXXX ) to update my mortgage payments to ACH auto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified unil a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local Police Dept. I also found that someone opened up a fraudulent XXXX  account on or around the same time may have been intercepting any call from XXXX XXXXXXXX XXXX XXXX Please deleted or remove XXXX XXXX # XXXX. I am a victim of Theft by Deception. I am filing a complaint with the CFPB as well as FTC.
Product: Credit card or prepaid card

I received a call first week in XXXX stating it was Capital One about a debt consolidation. He knew my account number, my balance, even my SS number. I told him several times I was not interested and hung up. A few days later Capital One sent me an email that my account was closed per my direction!!!! I have reached out to them multiple times and reported all this to their fraud and abuse department without answer. Now they are saying my payment is late and charging a late fee even though it was on auto payment through them. I stopped the auto pay and made payments thru my bank a week ahead of due date and they cancelled my payment and sent me an email stating my payment was late and again charged me a late fee. Please help me because Capital One will not. Apparently I am not the only one having issues if you look at social media.
Product: Prepaid card

I received an Amex gift card from a family member for XXXX. I went to the website https : /balance.amexgiftcard.com # / to check if it's valid and to check its balance ( {$100.00} ) I attempted to use this on XXXX XXXX using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy. 


15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/XXXX, the taxing authority that has jurisdiction over my property sent Wells Fargo Home Mortgage a statement for {$4200.00} for XXXX taxes. Wells Fargo Home Mortgage paid only {$720.00} leaving a balance of {$3500.00} unpaid. 

On XX/XX/XXXX, Wells Fargo Home Mortgage contacted my home owner 's insurance company requesting them to remove my name from my policy. When they realized that they couldn't possibly do that, they ran out of options and had no choice but to pay the taxes as they were supposed to from the beginning. 

The problem is that, this bill had incurred interests and penalties of {$950.00} in excess of the original amount by the time they decided to pay it. I have intentions of paying off my mortgage this month and I wrote them on XX/XX/XXXX asking them to take care of the interests and penalties they incurred. They sent me the pay off statement from an unmanned email address and deliberately refused to say anything about my complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX/XXXX/Equifax. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as  possible. 
Thank you
Product: Vehicle loan or lease

On XX/XX/year>, I discovered that XXXX XXXX XXXX XXXX applied force-placed insurance to my account. The charges were significantly higher than the standard rates for similar insurance policies. I was not provided with a reasonable explanation for the increase in premiums or adequate notice of the change before the insurance was applied. 
Specifically, I believe the following occurred : Lack of Notification : I did not receive any clear or timely notice that my existing insurance had lapsed or that force-placed insurance would be applied to my account. 
Inflated Premiums : The premium charged for the force-placed insurance was significantly higher than what I would have paid for a regular policy. I have verified this by obtaining quotes from other insurance providers, and the force-placed policy is 300 % higher than the standard cost of insurance and only covers the lender and does not cover me or other drivers Conflict of Interest : I have reason to believe that there may be a financial relationship between the lender/servicer and the insurance company, which may be contributing to the inflated premiums.

Resolution Sought : I request that the CFPB assist in investigating this issue and take appropriate action to : Ensure Transparency : Require Idaho central credit union to provide clear and timely notification of force-placed insurance charges and the reasons for the increased premiums. 

Investigate Possible Conflicts of Interest : Investigate the possibility that they may be receiving kickbacks or commissions from the insurance provider that are inflating the cost of insurance for consumers.

Cease Unfair Practices : I urge the CFPB to enforce protections against unfair and deceptive practices in force-placed insurance, ensuring that consumers are not unfairly burdened by high premiums or deceptive practices. Again I received no notifications, calls, voicemails or otherwise that would indicate to me that those fees were to be applied. 

Remove fees associated with this matter. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. If you need any additional information, please feel free to contact me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute information contained in my XXXX XXXX XXXX XXXX XXXX ) report. Upon reviewing the report, I noticed a transaction listed as occurring on XX/XX/XXXX, in the amount of {$960.00}. I do not recognize this transaction and have no knowledge of it. 
When I contacted Bank of America, the financial institution associated with my account, their representatives provided inconsistent and unhelpful responses. Specifically : I was informed by one representative that the {$960.00} transaction was a regular transaction, not marked as fraudulent or overdue. 
Another representative stated that no actionable issues or outstanding balances were found on my account. 
Despite my efforts to seek clarification, no one could provide evidence or further details about this transaction. 
Given these inconsistencies and my lack of knowledge of this transaction, I am requesting a thorough investigation by XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that only accurate and verifiable information be included in a consumer report. 
Specifically, I request the following : Verification of the {$960.00} transaction, including documentation that establishes its validity and connection to me. 
Correction or removal of this transaction from my report if it can not be verified. 
A written explanation of the findings of your investigation. 
I am looking for a solution of this issue, but the bank company is not helping me with any kind of assistance. I will ask to get a removal of this report if the bank can not provide not information about this issue involving me. 

Account number XXXX Date : XX/XX/XXXX Transaction amount : XXXX ID number : XXXX Type Id : Passport Consumer ID : XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I lost my income due to covid, so I was told that under the CARES act forebeaance I would be qualified for a forbearance program that would allow me to keep my rate and have the outstanding balance attached to the loan. However when my hardship was ended and I was ready to start paying my mortgage again I was told that this option is not available, the only options available involve remodification of my loan terms. My current rate is 2.25 % and the suggested remodification rate is 7.25. I inform the loan servicer that I would love to be ran for a covid partial claim but the refuse to do this. My only option is to make the account current or remodify my loan. Need advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Vehicle loan or lease

I have been on autopay for months. I received an email stating that my payment was returned due to nonsufficient funds, which was never the case since I can demonstrate that my bank account had plenty of funds for the payment. Additionally, I reached out to my bank and they stated that an electronic payment request was never submitted by Bridgecrest. 
When I called customer service ( twice ), the only thing the reps told me was that my payment was 'unable to locate. ' A short time later, I received a text message and email that my payment was made successfully. However, I noticed that my payment was not withdrawn from my account so I tried to make my payment online. At that time, I noticed that my bank account was missing from my account. There is an issue on Bridgecrest 's side and I can't get any information from them.
Product: Debt collection

On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. 

Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. 
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.