23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Choice Recovery is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Product: Mortgage

I signed closing paperwork to refinance my mortgage on XX/XX/2020 with my first payment being due on XX/XX/2020 through Bay Equity LLC. ON XX/XX/2020 I mailed out my first payment with coupon that was in my closing paperwork to the Bay Equity address listed. The check cleared my bank account on XX/XX/2020 in the amount of {$2200.00}. On XX/XX/2020 I received a statement from XXXX XXXX saying they now service my loan and first payment is due. I called XXXX and was told no payment from Bay Equity was ever forwarded to them. I then received a letter on XX/XX/2020 from Bay Equity dated XX/XX/2020 and postmarked XX/XX/2020 stating the loan will now be serviced through XXXX. I called the number immediately and spoke to XXXX XXXX ( Bay Equity ) at XXXX EST and told there was no payment showing in their system and he wouls look into and get back to me in the am. I then left voice mail for XXXX the next day XXXX XX/XX/2020 XXXX at XXXX XXXX with no call back. On XX/XX/2020 at XXXX ESTI finally reached XXXX and told no check was ever received per the accounting department. XXXX also informed me that his manager would look into and for me to email a copy of canceled check which I complied immediately after conversation. I then contacted XXXX XXXX from my local Bay Equity via email ( XXXX ) who is also looking into lost payment. Then on XX/XX/2020 at XXXX XXXX finally responded back to me and said " Yes the funds have been located and I am working with management to have these funds wired to your new servicer before the end of the day ''. As of today XX/XX/2020 XXXX EST funds still have not showed up in new account. I had to make another payment on XX/XX/2020 for {$2200.00} in order not to go in default since the grace period was over on XXXX. 
I can forward all emails if needed. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX years all credit bureaus has listed XXXX XXXX XXXX on my credit report as me being the owner of a bill of XXXX XXXX I have sent the numerous debt letters, asking them to prove that debt belongs to me they have failed to do so or declined and not done so they continue to leave it on my credit. Ive let them know Ive been a victim of identity theft, as well as XXXX and Equifax stating on my reports that they found my information on the dark web. Ive also show them that Ive had XXXX bridges from XXXX and Equifax and XXXX from XXXX and they still continue to keep this on my credit I want it removed.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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

I hope this is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

After I opened a credit card account with Bank of America, the company started sending me unsolicited and unencrypted email messages containing my personal information similar to the one that is attached. 

Bank of America has not provided any options for me to contact it regarding those unsolicited emails other than by telephone, which is for the reasons that I will not disclose here is not my preferred mode of communication. 

The only option for me to contact Bank of America in writing appears to be is the CFPB portal where I can be sure that the message will be delivered to the Bank. 

I understand that could have made an appointment with a Bank of America representative at a local Bank of America branch to discuss the issue, but I'd rather not to do that at the time of the public health situation that this country is experiencing now. 

I would like to request Bank of America not to send me unsolicited and irrelevant email messages and whenever it needs to send me the information related to the activity on my account via unsecured channels of communication, protect my private information by encrypting it. 

Thank you. 

P.S. Another issue that I had previously informed Bank of America about, but have not received any response on, is that the color scheme used by Bank of America on its credit card makes the credit card number hardly visible for certain class of consumers. The credit card is of dark red color similar to the one that is used on a Bank of America logo and the credit card number printed on the back of the card is printed in yellowish-greenish gray color. There is a class of people who will not able to see clearly the yellow-greenish gray on the dark red. It is unfortunate that in order for me to inform Bank of America of this sensitive issue I need to use the CFPB portal since there are not other effective means to deliver the message to the company.
Product: Debt collection

I rented a vehicle from XXXX at XXXX XXXX in XXXX, TX for business travel for a 48-hour trip. I prepaid for my reservation, providing a credit card for the deposit at the time I picked the car up on XX/XX/XXXX. I returned it on XX/XX/XXXX, commuting a total of 72 miles to and from my place of employment and XXXX XXXX during the time the vehicle was in my possession. 

I filled the tank within 5 miles of the airport and returned the car full. An attendant was not present so I left the vehicle in the lot and returned the keys as instructed. Upon returning home, I noticed an additional charge for fuel, despite the fact that the receipt clearly showed the full tank on return. I was finally able to get the fee refunded. 

A month later I received a letter from a bill collector on behalf of XXXX claiming that I damaged the vehicle and attempting to collect over {$800.00} with no substantiating evidence and no further information regarding the alleged damage. The car was not damaged, and in fact XXXX did not even attempt to charge my card for any damages or mention them in any correspondence after the return date. The return slip also did not note any damages, simply that the vehicle was returned full and had been driven 72 miles. 

I believe I am on the receiving end of retaliation by XXXX for not paying additional fees for unnecessary insurance and for complaining about and seeking a refund for an additional fee they were not entitled to collect. I am in the process of retaining legal counsel to resolve this issue as XXXX has not acted in good faith throughout my rental transaction with their company.
Product: Mortgage

Notice of Error Sent XX/XX/2023 : Our account is in error because XXXX XXXX  XXXX ( Loan Servicer ) paid XXXX controlled, Insured-bill account homeowner policy in full early which resulted in a shortage and deficiency of the borrowers escrow account plus abusive fees and charges. The errors are forcing us to pay an amount into escrow in excess that we otherwise would have. These errors of handling, servicing and administration of the escrow account are prohibited under regulation 12 CFR Part 1024 ( Regulation x ) and 12 USC Chap 27 because : - The term escrow account excludes any account that is under the borrower 's total control. 
- We do not and have never voluntarily agreed that the XXXX XXXX should collect nor pay this borrower controlled, insured-bill account. This account was never included in XXXX. 
- We are not subject to force-placed insurance and the account does not meet the basis of requirements. In addition, force-placed insurance is also not applicable to a borrower-controlled account. 

For CFPB XXXX notice provided by XXXX XXXX  XXXX to the borrower states " Your mortgage contract and State Law are silent on this issue '' about charges and amounts which seems highly irregular and a red flag.
Product: Checking or savings account

USAA XXXX  Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed 1XXXX XXXX Stop payment on XXXX purchases. 
XXXX ID request for deletion XXXX XXXX. 

Unusual notification-former emails and cell number no longer in use ( dated ). Sent duplicates of notification have been in use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting

I have disputed the items in question and also filed a complaint against the collection agency. Collection agency indicated that they are not reporting and not sure why its still showing on my credit report. I just want the items in question removed.
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status Charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed with Experian several tems from my credit report and they are still showing. These tems need to be removed. These accounts are XXXX, XXXX XXXX XXXX, XXXX XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Product: Credit card or prepaid card

I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.
Product: Debt collection

On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX/, a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website , the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through XXXX named XXXX XXXX and FTX US in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score went down 27 points on an inquiry. The fact that they are unable to post real time and or correct debt information cost me financial harm and you as the alleged protection bureau do nothing. That's it in a nutshell FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 card or prepaid card

I opened a line of credit with Fortiva  retail credit from XXXX XXXX back in XX/XX/XXXX. I paid the balance of over {$1500.00} in full in XX/XX/XXXX. They started calling me telling me I owned money. I called to close the account and it was never done. I did not get the mane of the rep I spoke to ( Big Mistake on my part ). I was later hit with an annual fee and late fees starting pilling up and interest because I did not want to keep the account open. As of today XX/XX/XXXX my balance is {$130.00} which are all fees and interest. I owe them nothing. I refused to be bullied into paying something I do not owe. My credit score has dropped by 10 points because of this. I am beyond infuriated. They are crooks and I will never do business with them ever again.I have spoke to so many different reps that they conveniently do not see in their system. I spoke to a customer rep named XXXX XXXX back in on XX/XX/XXXX at XXXX and asked her why are they not honoring my wishes to close the account and reverse those fees. She closed the account but never reversed those fees. Now the fees keep adding up every month and I will not pay them. I paid what I owed in full in XXXX and I will not pay them one more Penney even if it hurts my credit. It's the principal of it all. As I write this I attempted one more time to speak to a representative but I was put on hold and the call dropped. I tried again a second time the call disconnected after I verified my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are all fraudulent and unauthorized : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Debt collection

They keep calling for a person not living in my home and I have notified them and the call still persists
Product: Debt collection

Dear XXXX, I am writing to dispute inaccurate information on my credit report under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This law states that if a consumer refuses to pay a debt or wishes the debt collector to cease further communication, the consumer must notify the debt collector in writing. Upon receiving this written notice, the debt collector must stop all further communication with the consumer. Additionally, debt collectors generally can not communicate about the debt with third parties.

I have attached documentation from Citibank CBNA confirming that they could not find the account number related to me. This account never existed, and therefore, it must be removed from my credit report. 

Please remove the following account from my credit report : CitiBank CBNA Account # : XXXX Additionally, I request the removal of other incorrect items : XXXX account # XXXXXXXX XXXX XXXX Account # : XXXX An auto entry showing in XXXX with the date XX/XX/year>, which I have never owned. 

Please validate these inquiries or remove them from my report. I previously raised this issue, but the response from the Consumer Financial Protection Bureau ( CFPB ) did not satisfy me or comply with the laws. 
I request that you investigate this matter and provide written confirmation of the removal. Thank you for your prompt attention to this issue.
Product: Money transfer, virtual currency, or money service

Hello CFPB, I transferred an equivalent of {$200.00} ( which is XXXX XXXX XXXX  ) from my Taptap app ( Taptap is app to transfer money from US to XXXX XXXX or other currency ) to my XXXX back account on XX/XX/year> which is said to be delivered to by the TapTap app but unfortunately, this money was not delivered to my account. The recipient of the money is also self. They shared my session ID to give the bank, yet the bank said they did not see the money. I have been contacting Taptap send since they incidence but they keep giving me story that does not lead to any resolution and they are not committed to get resolution for me. 

I attached the receipt for transaction with this email : Session ID : XXXX Transaction ID : XXXX I have sent several mails to them without response and when I call them, they are just managing me. 

Kindly help me to look into this matter and resolve it. I will appreciate CFPB help to solve this dispute and get my money back, Thanks
Product: Debt collection

I reached a settlement with Portfolio are over Associates and per the attorney and their website the file should be removed from my credit report. Instead I got notification that it was updated as settled for less then full amount NOT removed. I have attached proof of payment, a screenshot directly from their site stating they would REMOVE as well as communication from their attorney.
Product: Debt collection

I asked to have the debt verified which it was not in XXXX and then after that its been repeated calls from this company to my phone using multiple numbers. These are the numbers they have used to call me : XXXX that was XX/XX/XXXX, XXXX XX/XX/XXXX,XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. There are many many more that I can list on top of that they send letter to my home. Ive asked to be taken off their call list in XXXX. It has not stopped and I feel vey haressed at this point