23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.

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.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the wrong payment information. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX XXXX lenders to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2017 so I am confused as to why this information is being furnished to Experian. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

They're closing my account because they said I violated the terms of service which they can not tell me what terms of service I violated everything is linked to the account I get XXXX direct deposits I pay all my bills with that account it is very frustrating I don't understand why I can not get a simple answer from them
Product: Debt collection

I 've recently reviewed my credit report the beginning of XXXX 2016. I 've notice a collections account with Unique National Collections. I sent this company a letter asking to validate this debt in which it claims I owe. I 've also requested in that please me provide me with the authentic document with my authorized signature. Unique National Collections responded on XXXX XXXX, stating that they enclosed a verification of your debt with the alleged creditor. They have not provided a single document with my signature saying that I agree to pay such debt. They have only provided printed out receipts with my name. I have clearly stated that I wanted to Validation and not a verification. They have only sent me a print out of a receipt. How does this validate a debt? I also filed a XXXX complaint against this company and their XXXX Response was : " Unique Management Services ( UMS ) is in receipt of the complaint by XXXX XXXX ( XXXX XXXX ) where she believes that UMS is required to provide with validation of debt according to the Fair Debt Collection Practices Act ( FDCPA ). UMS provided adequate debt validation to XXXX XXXX on XXXX XXXX, 2016. As I am certain the XXXX is aware, the FDCPA does not require signed agreements to be provided as a part of debt validation. XXXX XXXX has been provided with validation of the debt as required. She can take care of the balance due directly with the XXXX XXXX XXXX Library ( Library ). The Library will then update UMS, who will in turn update the consumer reporting agencies ''.
Product: Debt collection

XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00}
Product: Checking or savings account

XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad. 

View full complaint
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX FEES TOTALING TO THE AMOUNT OF {$870.00} XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EVALON is my merchant credit card provider. I am just a small business owner with less than 10 employees trying to make ends meet. 

NATURE OF DISPUTE : I am ALSO ( I am not the first complaint on the BBB ) writing regarding lack of disclosure and excessive PCI-Non compliant fees that were charged onto my account automatically monthly between XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  I was not made aware that XXXX was charging an additional non-compliance fee of approximately $ XXXX {$130.00} monthly. On the statements this fee is not clearly disclosed and is labeled as " XXXX XXXX '' or " XXXX STAND '' in addition this fee is excessive to what the industry standard is for PCI compliance. I did not receive any notification of the importance of compliance, nor was disclosed any kind of fee being charged by XXXX monthly for being non compliant. As a consumer I would like for the fees to be refunded back to my account along with further transparency and disclosures on monthly statements and e-mail notifications. 

ADDITIONAL NOTE : If this PCI compliance is as important as they say, why does the company NOT notify me of becoming compliant, and just bill me? There is zero communication between me and the company regarding PCI Compliance during the time, due to the fact that I did not do their XXXX questionaire. This is clearly a way for the merchant processor make money by charging in disguised fees. The PCI compliance is not clearly disclosed and is labeled as " XXXX XXXX. '' I contacted XXXX as they refused to refund except for a 1 month. 

I contacted them XXXX XXXX, and spoke to XXXX. He advised to fill up the PCI questionaire, which I did. 
I contacted them XXXX XXXX. I was promised by " XXXX '' that their merchant statements provide this notification, which there is none.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sending a bill on ftc violations remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to Experian and XXXX. I sent in disputes through the mail with Experian and XXXX. XXXX has not responded yet. Experian responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my XXXX XXXX. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. XXXX XXXX XXXX XXXX agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.
Product: Debt collection

Last year in XX/XX/2023 I was looking for an apartment due to change in my work location and long commute to my new office. I visited XXXXXXXX XXXX XXXX XXXX in XXXX, WA to ask for an application. They told me to submit an application online for background check and pay non-refundable {$40.00}. When I tried submitting an application on their website, I had to pay {$260.00} refundable deposit in addition to {$40.00} application fee to submit the application otherwise the website wouldn't allow me to submit the application. After I had submitted the application the apartment managers did not get back to me for almost 10 days. Then my son who lives out of state and is an XXXX XXXX XXXX  advised me not to move into that apartment complex as it is unsafe with reports of vandalism in their parking lot. I called the apartment and requested refund of my refundable amount paid by me. They said they will send me a XXXX check. Instead of mailing the check their accounting office started claiming that I owe them {$260.00} They started sending me fraudulent emails and texts this has led to financial harassment. Now they have reported against me through Columbia/Genesis . It is showing as an unpaid debt on my XXXX and XXXX credit report. I never bought or used any service from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications
Product: Consumer Loan

I signed a contract in XXXX/2011 for the purchase of vehicle in the amount of XXXX with the term of 72 months with Santander Consumer. I have paid 62 months and only have 10 more payments of XXXX totaling XXXX the finance fee was already added to the contract. My vehicle was totaled and called santader for a payoff quote they stated it is still XXXX the man I spoke to stated they charge {$6.00} per day interest fee on top of contract interest fee. how is that possible or even legal. You would think the amount would be less because the insurance company is paying them off 10 months early. Please help Thank you, XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Credit card

Reported multiple late payments on credit report, which is hindering me from obtaining housing, loans etc.
Product: Credit reporting or other personal consumer reports

What happened ( Identity Theft ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number, ( XXXX ), another personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$830.00} that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have had a on going problems with my account with kohls department store. My issues are that I am still not able to log into my account online, it shows a totally different account number, balance and late charges that are not related to my account that is tied to my card. The online account had my name, email, overdue amount, zero statements and I can't change anything on this account online, but I call my card and it reflects a total difference amount, its current, and the number reflects my card on the phone verification. So I have gotten letters from kohls, and it has not gotten resolved, I asked for them to fix it, I asked them to call me and ask questions to see why this is going on, I've called into customer service and they don't help, I email kohls and they don't respond back, so I don't know why or what to do next. I asked for help, and they don't help, or even respond back to my issues that are in my complaint. It's just here is the account, and we don't see anything wrong. But it showes it does, and to me that is sad they don't look at it to see why it's wrong and it clearly shows this huge difference and they say nothing is wrong and if I need help just to reach out and they will help. So I did and nothing happened. So I'm here again to see if I can get help with my issues.
Product: Credit card or prepaid card

I closed out my account in XXXX of 2023, I lost my credit card. My balance in XXXX of 2023 was {$1100.00}. I paid the balance of {$1100.00} in full on XXXX XX/XX/2023. The company now wants to charge me interest in XXXX of 2023
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX DEPT OF EDUCATION/XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION : Account Number XXXX U.S. DEPARTMENT OF EDUCATION Account Number 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 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.
Product: Checking or savings account

I have been a customer of M & T Bank for 11 years. I have had 9 accounts with them. Some trust accounts and some LLC accounts, as well as some accounts where I am listed as power of attorney. 
For all of this time, every few months, I would email my banking representative at their bank and request a reversal of the service charges to my LLC accounts ( 4 accounts total ). They would immediately reverse the last 3-4 months of charges. 
Suddenly, when I emailed my banking representative on XXXX XXXX, XXXX, she told me that was not the policy ( note : she didn't say that was no longer the policy, rather that it had never been their policy ). I was quite surprised. 
As a result of the bank representative 's surprising notification, I informed the bank in writing of the following requests : - refund of the services charges until the date that they decided not to refund any longer - notification in writing of the change in policy - notification in writing of a start date of the new policy so that I can decide whether to remain with the bank or change banks- providing me with the new terms of my accounts in writing- the minimum required to avoid services charges, for example. 
Her branch manager and the regional manager both told me that they will not refund any money to me for the service charges suddenly charged. Though I have repeatedly requested a copy of the new terms of the accounts, they have both refused to provide them to me in writing and have not provided them to me in writing. They have told me orally, though once I was told by the branch manager that she will not tell me the minimum required in the accounts. 

I am writing to request a refund of {$62.00} which is the amount of service charges which were charged that should not have been charged without notification in writing of the change in policy. 

Note : I have closed all accounts with the bank except for the accounts on which I am listed as a power of attorney. 

Note : The bank claims there was no change in policy, rather merely a decision to enforce a policy that already existed. I claim that in and of itself is a change in policy and required notification in writing prior to enforcing the policy they claim already existed. 

Note : The branch manager told me in XXXX that they would not be reversing charges anymore. But then my banking representative did reverse the charges regularly to date, so I thought she was mistaken.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE ACCOUNT : XXXX XXXX XXXX Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Student loan

I received a letter from XXXX  saying my application for student loan debt relief was approved- but now I've gotten an email saying this was in error. My loan is managed by Mohela and is a US federal loan. I demand the lender honor the previous promise to approve my student loan debt relief - {$20000.00}.
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAWXXXX XXXX has relisted XXXX fraudulent inquiries.