23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I got paid and received son 's XXXX, I paid rent at our new apartment at the XXXX, XXXX, Texas had to use checking account and routing number otherwise there is a large fee for Debit card use. The amount was {$890.00}, my balance was {$1500.00}, I also paid my electricity bill with XXXX XXXX {$65.00}, XXXX {$69.00} and XXXX XXXX XXXX ( Gas ) {$62.00} and credit card {$30.00}. 

Bank of America processed the same day, XXXX XXXX and XXXX but they did not process my rent, gas or credit card payment and on XX/XX/2023 a payment hit my account I did not authorize from a company called XXXX  for {$200.00} & {$200.00} a total of {$410.00}. I immediately contacted BOA the morning of XX/XX/XXXX when I discovered this merchant posting and filed a claim, it was pending still. The agent said she'd stop the payment and file a fraud claim and I'd get a temporary credit. 

Today, XX/XX/XXXX, I looked at my account and my bills had processed, my rent, gas and credit card and I had {$46.00} in my account, I went into the lobby of the BOA here in XXXX, Texas, XXXX, Texas near my new apartment and withdrew {$20.00}. I knew my balance was low but I was happy my bills were paid. I paid them all on the XXXX but XXXX XXXX, any holiday, BOA messes up processing some payments. 

I contacted XXXX  the merchant and told them I never gave them authorization to charge my account and she said it was from when I put in information from old school bookstore account and that my rentals were late. I told XXXX, XXXX that I used a Book Voucher of {$300.00} my Financial Aid at school ( XXXX XXXX  ) and we had the option of keeping our book which total about {$200.00} for two books or less, but now the school has taken down the XXXX website because XXXX bought them and the rules are different. I don't see the FAQ that provided previous information nor my account or order history. The XXXX said they'd charge my account 4 times and they don't make the prices of textbooks but online new information it says if lost or stolen the books would be upto 75 % and 7.5 % late. Then she said they already were paid the {$410.00}. 

Now at XXXX BOA sent me an email saying my Rent payment, previously processed today XX/XX/2023 would be returned and I'd have a negative balance. Meanwhile the credit is still their from the fraudulent payments of {$410.00} but they're going to let my rent payment bounce and I paid all bills on the XXXX. 

We just moved here XX/XX/2023 to an XXXX unit for my XXXX son, I am his caretaker and we can't be late on rent and rarely if ever are. BOA does this all the time they take days to process payments but if I go to XXXX or XXXX 's and use my Debit it comes out immediately. So please help. Seems as though they are trying to make us pay more.
Product: Debt collection

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$820.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Product: Credit card or prepaid card

An unauthorized individual ( criminal ) obtained my Citibank XXXX XXXX card ( either physical or number -- Citi refuses to verify ) and used my card over 10+ at various in-person merchants in CA beginning in XX/XX/2023. I never received a fraud alert until XX/XX/2023. I was using the same account in XXXX during the same time frame and spoke to a Citi fraud analyst to note I would be abroad and the only charges should be coming from overseas. 

Nevertheless, domestic charges occurred multiple times, at merchants I have never purchased at nor at a geographical location relevant to my Citi history : not my address, nor near where I established my Citi checking account over 15 years ago. 

Immediately upon receiving the DELAYED fraud alert I called and confirmed the transaction as fraud. I also clarified numerous other transactions as fraud, and have spoken to XXXX agents reiterating the issue. I asked my card be closed, so no further fraudulent activity could take place ( XX/XX/2023 ). 

Upon looking at my online account this morning ( XX/XX/2023 ), I not only see the note that I, the customer, am responsible for these erroneous charges, but that my previously closed account was reopened and my card unlocked, leaving it open for further fraudulent charges to just continue to take place. Not only did Citi fail to identify the initial fraud and notify me of such ( XX/XX/2023 ), they are refusing responsibility and then failed to even close the account and render it unusable leaving me susceptible to continued fraud.
Product: Checking or savings account

I wrote a check on XX/XX/2024, the check was never received by the law firm. I called on XX/XX/2024 to cancel the check for my business checking account. I was told I had to call every 6 mos indefinetly for the rest of my life since the stop payment expires every 6 months. So if this check is never found, I will have to call every 6 months for a stop payment. This is excessive and the stop payment should be honored indefinetly.
Product: Credit reporting

I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit
Product: Credit reporting or other personal consumer reports

I previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with Forster & Garbus. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact XXXX directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called Forster & Garbus incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
Product: Mortgage

I am a Realtor with XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I was working on behalf of the Seller and I received a signed Contract and a Preapproval Letter from American Financial Network Inc on XX/XX/, through the Selling Agent. Initially, we had a Closing Date of XX/XX/2023, but changed it to XX/XX/2023 to coincide with my Seller 's closing on her new home. XXXX XXXX XXXX was listed as the contact person at XXXX XXXX. The loan application consisted of 5 Buyers, all related to one another. 

Here is the information listed in the letter : XXXX XXXX XXXX XXXX Branch Manager XXXX  # XXXX American Financial Network , Inc . 
XXXX is a Direct Lender and Equal Housing Lender XXXX XXXX XXXX, XXXX PA XXXX | Phone : ( XXXX ) XXXX I contacted XXXX XXXX to introduce myself upon receipt of the letter. He shared with me that the Buyers were " good to go '' and could possibly close early. When I asked him " how soon '' with a message that I left on his voicemail after hanging up, he responded later that evening to say that the Agent did not want to close any earlier than the Contract Date. I asked XXXX XXXX when could I expect the appraisal to be done and he said that he would get back with me. A few weeks went by and I called him again to inquire about the Appraisal and left numerous voicemails over a week 's time. He finally called me back to say that he had been hospitalized and would have his " assistant ' take care of it. For the next few weeks, I made several calls to him and had to leave messages because I got his voicemail. I called the Agent to see if she could get in contact with him about the Appraisal, as he was not returning my calls. She told me that he was in an airplane from Thursday to Monday. Really! He said that she has known him for quite a while and was a dependable person. Well, I don't know if she contacted him or not, as I never heard from him. The Title Company had even tried reaching him, asking for information, to which he did not respond. 

On XX/XX/2023, I contacted the Agent to see if her Buyers were prepared for Closing on XX/XX/2023 and she informed me that she thought it was the XXXX. Needless to say, both the Agent and Loan Officer were not cooperating in this transaction. On XX/XX/XXXX, the Agent informed me that the Closing was off for XX/XX/2023 because the Appraisal had " fallen through the cracks '' and that one of the Buyers never sent in the documents required of him/her. I even tried to call XXXX XXXX after getting this news, and again, I had to leave a message on his voicemail. To this day, we never spoke again, after telling me that he was " working '' on getting an appraisal. I was really suspicious of him when he told me that. Don't mortgage lenders work closely with appraisers, so why was this such a difficult task. Needless to say, the actions of XXXX XXXX ( and the Agent ) prevented two Closings for my Seller to take place. Since my Seller had packed and anticipated on the Closing, she ended up selling to Open Door, which we are aware how they work. Due to the negligence of the Lender and Agent, my Seller lost out on thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Clarity Service keep asking me for my ID and Utility bill which was already given to them. I will not keep sending information again after they already received that information. I will upload my information on the CFPB site and again due to their stall tactics Under the 15 U.S. Code 1681n Clarity Service is noncompliance. As well as 15 U.S. Code 1681c1
Product: Debt collection

On XX/XX/XXXX, XXXX, Medical Revenue Services left a voicemail regarding a debt I owed to XXXX XXXX in the amount of {$340.00} for a service performed in XXXX, XXXX. I initially didn't remember so I contacted XXXX XXXX. I did have hand XXXX but had forgotten. I contacted XXXX XXXX on XX/XX/XXXX and said they had sent the original bill to me in XXXX, XXXX to an address I moved from XXXX. It was never forwarded to my new address in XXXX XXXX, FL. XXXX XXXX all the information was sent to Medical Revenue Services and they were unable to send me another bill. I contacted XXXX XXXX to confirm on XX/XX/XXXX, I did owe the co-pay of {$340.00}. I called Medical Revenue Services, again spoke with XXXX on XX/XX/XXXX requesting they mail me the information and I would pay the bill. She refused. XXXX, Medical Revenue Services called me XXXX XXXX and left a voice mail. I returned her call the same day and again, requested they mail me a hardcopy to my updated address or email it to me. She said she would talk to her supervisor. XXXX called me again, on XXXX XXXX. I returned the call & spoke with a XXXX, who said the information has been both mailed to my new address and emailed to me. I never received the information in either form. I checked my SPAM account also. XXXX said they would not mail or email it to me again. I, as a consumer believe it is my right to have written documentation. I told XXXX this and lost my temper and hung up. I'm willing to pay the debt but not until I receive written documentation via US Mail. If Medical Revenue Services did already mail it to me, give me proof.
Product: Debt collection

I am filing a formal complaint regarding unethical and harassing debt collection practices by Internal Credit Systems , Inc., a debt collector claiming to collect on behalf of XXXX XXXX XXXX. The conduct violates the Fair Debt Collection Practices Act ( FDCPA ) due to inconsistent and misleading information, lack of transparency, and inappropriate language in communications.

Initial Issue : I originally canceled my gym membership at XXXX XXXX. In XX/XX/year>, XXXX communicated that my outstanding balance was {$84.00}, including a cancellation fee. However, the debt collector, Internal Credit Systems , Inc., initially claimed in XX/XX/year> that I owed {$95.00} for seven missed payments and late fees.

Unjustified Escalation : In subsequent emails, Internal Credit Systems escalated the balance to {$300.00} without providing a proper breakdown or justification. They later claimed the amount included seven payments of {$29.00} ( {$200.00} ) and {$95.00} in fees. This conflicting information highlights their lack of transparency. Screenshots of these emails have been attached as evidence.

Harassment and Unprofessional Behavior : When I requested clarification and validation of the debt, the collector responded with harassment and derogatory remarks, such as : " If you can't read, have someone else read it for you. '' " We're done with you, sir. '' " You need to spend more time figuring out how to pay this debt. '' These communications are unprofessional, threatening, and violate the FDCPA guidelines on appropriate collector conduct.

Violation of My Rights : Internal Credit Systems failed to provide clear validation of the debt, gave inconsistent information, and attempted to coerce me into paying without allowing me to dispute the balance. The threatening tone, unsubstantiated charges, and harassment have caused significant stress and confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX
Product: Credit card

Good afternoon synchrony, bank, once again failure to provide information about the card and what was taken to purchase the card you called me and explained to me that you guys were sending the card to XXXX XXXX XXXX XXXX but no, you are changing the card address to my personal address No, you are behaving suspicious. You are saying that you send out and replace multiple cards. Where did you send those cards? You did not send them to XXXX XXXX XXXX. where Ive been living for almost 8 years. let me explain to you what you say over the phone because that is on record time. Im talking to anyone. I record my conversation. You stated that you send the card to XXXX XXXX XXXX XXXX. I have never lived there neither associate myself there you stated that you verify my information down to a T all three credit bureaus of wanting in common. They have a simple note on there. Anyone is applying credit underneath my name they must contact me before they issue out that credit did you reach out to me before you open this fraudulent account and call it mines did you fraudulently ask me for my address so you can have it to cover your your fraudulent Actions so you have not provided these things sicking what was purchased with the card youre providing statements with my address that you asked me over the phone for to cover your fraudulent ask. I have no problem carrying to court because I can prove that I was not in the country when this card is open so you best that you go and find out who was living at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
Product: Debt collection

Online Information Services contacted me regarding a debt owed to XXXX XXXX XXXX XXXX XXXX. This was for an account in Texas, a state that I have never lived in. In talking to XXXX it was revealed that my social security number was used. They have requested that I provide proof that I lived elsewhere from XX/XX/2022 to XX/XX/2022. XXXX has thus far been helpful in this matter, although it seems odd that a victim of identity fraud would need to provide personal information to an unknown company. Online Information Services attempted to get me to agree that the debt was mine. When I would not do that they initially told me that they would not give me any information until I did so. I was eventually able to get some information about the alleged debt from them.