23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The creditor, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Original creditor was XXXX XXXX placed my debt account with collection attorneys XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX. The XXXX filed for an appointment of a receiver on a judgement on the account from XXXX. 

I was unaware of the judgement from XXXX and well as the recent filing for the appointment for the receiver until after the fact. The original amount owed on the account I do not know and can not get a copy of it. I do know it is less than {$1000.00}. The amount of requested property to be updated with receiver appointment was {$4900.00} plus receiver fees. 

The receiver put a hold on my bank account for the amount of {$5400.00} on XXXX. I had {$850.00} in my bank account at the time. I called the collection company on XXXX, as per the suggestion of my banking XXXX and made an offer of {$3000.00}. This was to be paid with {$500.00} from my checking account and $ XXXX for the next 10 months. The person I spoke with, XXXX XXXX said she would present my offer and let me know in a day or XXXX. I checked my bank account today and the receiver had debited my account for {$1100.00}. This was more than the amount that I had in the account and was not the agreed offer. My banker said they were probably just trying to catch another deposit that I might not have disclosed. 

I called the XXXX back today and the representative pleaded ignorance of the situation, she said she does n't have access to what the receiver does. Then why do I have to deal with the collection company? I tried speaking with the receiver 's company and they refered me to the collection company. I resended my offer and offered them the amount they tried to debit my account, actually {$1200.00}, because the rep said they wanted a lump sum and this was all I could offer. She said they probably would not accept it, but would present it. I have called the court that the judgement was filed in to see if I have any options there.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced by the account number [ XXXX ]. I do not acknowledge or agree with the validity of this debt, and I am formally disputing the amount owed. 
As part of my dispute, I kindly request that you provide me with the following documentation as proof of your right to collect this debt : XXXX. A copy of the original assignment contract, or the legal document that proves you or your company legally acquired the debt from the original creditor. 
XXXX. A statement detailing the amount of the debt, including any fees, interest, or additional charges that have been added. 
XXXX. A breakdown of any payments made toward this debt, if applicable. 
XXXX. Please note that under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request such documentation. I also request that you cease all collection activities on this debt until you have provided the requested documents. 
XXXX. Thank you for your prompt attention to this matter. Please send the requested documents to the address listed above within the required XXXX period.
Product: Debt collection

I have never done business with XXXX XXXX or XXXX XXXX XXXX. Never had an account with them, never had a debt with them. never had service with them. 
Frontline Asset Strategies XXXX XX/XX/2024 Good news, XXXX! You can satisfy your account for less! 

Your creditor, XXXX XXXX, has offered to resolve your account for {$1000.00}. After you've paid this amount and funds have cleared, you will be notified that your account has been satisfied, and you no longer owe this debt. 

To take advantage of this offer, you can pay online using the link below, or you can reach us by phone at XXXX or via Live Chat at Frontlineas.com. We request payment by XX/XX/2024 and are not obligated to renew this offer. If you need additional time to respond to this offer, please contact us. 

Sincerely, XXXX XXXX This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


Satisfy Your Account You may also copy and paste the following URL into the internet browser of your choosing to access our portal : https : //payfrontline.com Name : XXXX XXXX Reference # : XXXX Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX  Original Account # : XXXX Balance : {$1300.00} Description : XXXX XXXX XXXX  This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Hours of Operation : Mon-Fri : XXXX XXXX. to XXXX XXXXXXXX XXXX TTY : Dial XXXX and provide : XXXXXXXX https : //payfrontline.com Copyright 2024 Frontline Asset Strategies , LLC. All rights reserved. CLICK HERE TO UNSUBSCRIBE. 

PRIVILEGED AND CONFIDENTIAL : This electronic mail message and any attached files contain information intended for the exclusive use of the specific individual or entity to whom it is addressed and may contain information that is proprietary, privileged, confidential and exempt from disclosure. If you are not the intended recipient, you are at this moment notified that any viewing, copying, disclosure or distribution of this information is prohibited and may be subject to legal restriction or sanction. Please notify the sender, by electronic mail or telephone, of any unintended recipients and delete the original message and any attachments without making any copies.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Debt collection

Excessive phone calls from ProCollect, filling my voicemail box full. Called home office on XX/XX/scrub>XXXX  and was asked for an account number. The representative was rude when I told her I didnt have one and told her I never received anything in writing and she proceeded to tell me she did not have my mailing address that was given to the property manager over a year ago. I was told I could not make payments over 2 months and then when I asked to speak to a manager he told me I could do 6 months and tried to make it seem like I wasnt lied to before speaking to him. They are charging a debt collecting fee of {$7.00} per payment and did not give me a reason why. This made the total amount over the actual cost of the debt. Then I was hung up on and was refused to speak to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX Financed with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from transition, XXXX, and XXXX that my XXXX XXXX/synchrony account was late for XXXX, XXXX, & XXXX of XXXX and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of XXXX so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of XXXX  ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

I applied to Chase for a credit card. None of their materials disclosed that they would deny credit if I had applied for XXXX or more cards within the prior XXXX months. I was denied credit which lowered my credit score. Had I known the policy I would not have applied. I complained to Chase who explained that multiple card applications presented a risk. They claimed they would not know how the other credit was used. Most of the cards ARE WITH CHASE so they know exactly how the cards were used. They also access credit reports that show how those other cards were used. So their explanation is both false and deceptive, as is is their refusal to disclose the policy in their solicitation materials. I want them to ACCURATELY disclose to all and to be sanctioned for their arrogant UDAAP practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA XXXX Account # XXXX has violated my rights in accordance with 15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 45DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting or other personal consumer reports

Transfer of loans to new vendor cause inaccurate reports of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!
Product: Bank account or service

My company began banking with BB & T in 2006. Part of the service from the BB & T bank is to provide merchant services. In the agreement with BB & T bank is a fee for the bank to provide PCI compliance on a monthly basis. The compliance fee program is to keep my business compliant to regulations concerning merchant processing. The merchant processor is BB & T bank merchant services. I have recently separated from BB & T after discovering that BB & T bank has been charging for the compliance fee program and a non compliance fee on every statement monthly since 2006 for my merchant services. The compliance fee program is {$9.00} which is to keep my business compliant, therefore the {$15.00} fee BB & T has been charging is, in my opinion conspiracy to commit fraud. Fraudulent bank practice knowingly taking funds for a service that the bank is specifically providing you a program fee to make your company compliant to government regulations makes the BB & T bank an institution that is defiling the very fabric of banking. I wish to continue with any and all prosecution and or testimony required to have BB & T bank exposed to the public and to ensure that other members of the BB & T banking community are not being deceived as well. I address the question to a BB & T representative from the bank by telephone and was ignored without a follow up conversation.
Product: Debt collection

On XX/XX/2020, I called XXXX XXXX XXXX to cancel services for my residence. Upon cancellation of my services with XXXX, I was informed that I had entered into a contract with XXXX for 5 years and that if I were to cancel my service with XXXX, I would be required to pay the remainder of the contract immediately. I informed XXXX that I had never entered into any type of agreement with XXXX other than when I first initiated service over 10 years ago. That contract had expired several years ago, and I was utilizing XXXX XXXX  services on a month-to-month basis. The supervisor then informed me that after my contract had expired, I entered into a " verbal contract '' with XXXX. I informed this supervisor that I had never entered into any verbal agreement with XXXX. On XX/XX/2020 I sent XXXX a certified letter indicating that that I had not entered into a " verbal agreement '' with their company, and to this date, I have never received a response from XXXX in reference to this correspondence. Instead, I have been harassed on an ongoing basis by " Credit Collection Services, '' which is a representative contracted through XXXX in order to collect the amount of my early termination fee. I am XXXX and the constant letters and phone calls has been putting me under tremendous amount of physical pain. I am XXXX years old and have lived on my own since I was 18. I have never entered into any verbal agreement with any utility company or any other company. I would never accept any contract that I did not physically have in hand so that I could read the terms of the agreement and be able to physically sign the contract in order to protect myself legally.
Product: Debt collection

I do not owe this debt. I have submitted paperwork to them for proof. They call me relentlessly after I have asked them to stop. They are unfairly reporting on my credit report.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

In 2014 I took a Cash Advance on my Capital One Credit Card. The Cash Advance has been paid off for well over two years. 
Tonight I went in to activate my new credit card. When I reviewed my account I found that Capital One has been billing me interest charges for Cash Advances on a XXXX  balance. 
It was n't until I looked closely at my statement to see the interest charges for Purchases and the interest charges for Cash Advances. The summary page does n't separate or itemize the interest charges. I do carry a balance on purchases, so I expect to pay interest for that balance and that balance only. 
I contacted Capital One tonight and held a chat session with XXXX. He told me that I would continue to be billed interest charges for Cash Advances until the balance of the ENTIRE card were paid off. 
I should never have to pay interest on any account or part of an account that carries a XXXX balance. To do so is paying money on an account which Capital One has no right to collect. 
Since this will probably affect the many millions of Capital One credit card holders this may result in a class action suit.
Product: Mortgage

1- SLS offered a loan modification, 2- we accepted the loan modification. 
3- we started paying {$370.00} starting XXXX XXXX ( Attachment # XXXX ) XXXX XXXX ( Atta. XXXX XXXX ) XXXX XXXX ( Att. # XXXX ) XXXX XXXX ( Att # XXXX ) mailed Cash down payment from helping agencies Paid {$11000.00} ( Att. # XXXX ) XXXX Paid all items ( Attachment # XXXX ) 5- Loan modification paid. The down payment, monthly payments. All done. 
6- But SLS continues to call, harassing us. 
7-They want to make us homeless. 
8- I am XXXX, XXXX XXXX, they change the loan modification 9- NEED TO STOP HARRASING, ACCAPT " YES " fot answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00}
Product: Credit card or prepaid card

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

I made a balance Transfer with my CITI bank AAdvantage card for {$3300.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I used their online form that said it was easy and all I had to do was put down the credit card number. I made this on XX/XX/XXXX. Weeks passed and my XXXX XXXX had not received any money but CITI had already charged me the balance transfer plus a {$99.00} dollar fee. I called and they told me to wait a few more days. I did then I noticed it said XXXX XXXX on my statement. I called CITI customer service number and they had told me they had sent it XXXX XXXX XXXX XXXX  My bank has no offices XXXX XXXX XXXX XXXX So I called them again and found out they had sent it to XXXX personal loans. CITI bank opened an investigation and closed it saying it had made a payment to XXXX  Personal Loans and could not do anything about this. I do not have any account whatsoever with XXXX. I was trying to pay down my Credit union account which is for a XXXX credit card. I now owe two accounts with similar amounts. CITI was not helpful and are charging me for a balance transfer that I did not receive.