23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx. XX/XX/2022, {$400.00} from XXXXXXXX XXXX  XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.
Product: Debt collection

On XX/XX/year>, at XXXX XXXX  Central Time, I called Renton Collections Inc. and spoke with a female agent who identified herself as XXXX. I requested an original billing statement. She refused, falsely claiming the agency is not licensed to send mail out of state. She offered no alternative method for receiving the bill, such as email.
Product: Debt collection

I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much. 

After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Had a trial loan modification with Greentree in which payments were made. On XXXX/XXXX/15, Greentree sent Permanent Loan Modification document, which was due back by XXXX/XXXX/15. There was no mentioning that this document needed to be notarized. The only instructions were " To accept this offer and take advantage of this opportunity, you must sign and return the enclosed Agreement by XXXX/XXXX/15. '' The agreement was signed on XXXX/XXXX/15 and sent via regular mail to Greentree 's address at XXXX XXXX XXXX, XXXX, AZ. After sending back the signed modification, borrowers made a phone payment of the permanent loan modification amount on XXXX/XXXX/15 in the amount of {$1200.00}. The confirmation number was XXXX. Borrowers called back on XXXX/XXXX/15 to make the XXXX payment and Greentree said the loan was in foreclosure because the final loan modification documents were never received. Greentree has instructed the borrowers that they need to start the loan modification process all over. This is an abuse and we need help from the Consumer Financial Protection Bureau to enforce the permanent loan modification that we worked very hard to obtain.
Product: Debt collection

Misrepresentation of debt owed. Account in name of Business NOt individual 's name. Account reference was closed with XXXX balance. Used false, deceptive, or misleading tactics to collect debt NOT owed. Credit collection agency fraudulent induced payment through threat on debt that was NOT owed under false pretenses.
Product: Student loan

I currently have loans that are about to go into default through Sallie Mae, and of course this is not what I wanted. I have called several times to explain my financial situation, and I seem to be getting a deaf ear. I currently get paid {$19.00} an hour and work XXXX hours a week for an XXXX clinic. I am doing this to gain the hours need to so that I can gain access to the job I went to school for. After explaining my situation multiple times I am told the only plan is to pay XXXX XXXX monthly. Between my rent, car insurance, groceries, gas, phone/internet, electricity, and paying off credit cards this payment is impossible. I am not in a position where I am trying to not pay. I am willing to work with the department but it feels as though they are not willing to work with me. I plan to pay off these loans. I want to pay off these loans. I took them out when I was XXXX in college because there was no other option available to me. Now I'm in a position where I'm trying to advance in life so that these payments can be made but at the moment it just isn't possible. I am asking if someone will consider where I am, and give me the opportunity to pay what I can to do better. It has been quite difficult dealing with this over the past few months, being put on hold for hours, getting disconnected, and being talked down to while also being threatened to have my wages garnished. I told the people I spoke to I am able to pay $ XXXX {$100.00} a month and I was scoffed at. I am doing the best that I can to make ends meet, and I know that I am not the only person experiecing this.

Please Sir or Ma'am Reconsider your current protocols and procedures in efforts to help those like myself who you were so willing to help when there was hope of a prosperous future when I took out this loan, and now facing my reality that it is almost impossible to get a descent paying job and to be able to make ends meet. I know it's your job to do what you have to do to ensure that these loans are paid back, but when it is obvious that my monthly student loan payments cost more than my rent then this should be a problem for you. Put yourself in my shoes. What if I were your son? Would it matter then?
Product: Checking or savings account

Today when I opened the Discover mobile app I received a message that read " Please contact Customer Service immediately regarding your Discover Bank Account ( s ). We have identified unusual activity on your account. '' When I called, I was told that I currently had no access to my savings or checking accounts, but that no information was available regarding what activity the bank considered unusual or why the bank considered it unusual. My combined balance with Discover when I went to bed the night before was just over {$9700.00} ( only {$25.00} in checking account ) and I have a pending state income tax refund of {$1600.00} meant to be directly deposited to my savings account that is now in limbo as well.

I am a U.S. citizen, born and raised. I have been a Discover credit card customer since XXXX, the year I graduated from college. I have engaged in XXXX unusual transactions since opening these account in XX/XX/XXXX with funds transferred into them from another U.S.-based bank checking account. All check deposits have come from U.S.-based banks. 

XXXX cash transactions. XXXX checks or other deposits from foreign banks or foreign businesses. XXXX payments or other transfers out to any foreign banks or foreign businesses. 

My employer, which had been making bi-weekly direct deposit payments to my savings account, is U.S.-based. All of the payments out of the account have been to larger, better known, and more successful banks and credit card companies : XXXX XXXX, XXXX, XXXX, XXXX XXXX. My landlord uses an intermediary processor for online rent payments, but its name is listed in the transactions and its name should be at least somewhat recognizable to every financially literate American adult -- XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This past XX/XX/XXXX I received a letter out of nowhere, dated XX/XX/2019 from the PMS collection company I'm filing this complaint about. Immediately I contacted the original creditor XXXX XXXX XXXX XXXX to find out what it was. When they gave me the date of service I told them it was impossible as I was out of the country. They stated after I forwarded my passport that they would cease and desist their collection efforts as there must have been incorrect data entry/ error on their part with another consumer/ patient. In XX/XX/XXXX I went to get preapproved for a home loan when I found out that the same outside collection company had reported the collection account to my credit bureaus. After calling XXXX XXXX XXXX again, I was told that they had requested months earlier that the PMS collection company send it back and to stop collecting. Then I called the bureaus and they filed a dispute for removal. PMS collection company verified twice that these debts are valid to the bureau and refuse to remove it from my credit or send it back to the original creditor. I'm confused and don't know what to do next as the credit bureau tell me that PMS collection company is the only entity that can remove these collections because they are the ones reporting these collections. Help!, I want to buy a property by the end of the year and I don't want to deal with a collection company that only is concerned about getting money. Thank you.
Product: Checking or savings account

Contacted the bank to report unauthorized charges to the account. Bank refused to do anymore of the investigation to my account for unauthorized charges. Provided detailed information about the issue of the charges and have explained to them about what was happening. They said that the information given on this form was an error and that the charges were made by me. From the bottom of that I was charged additional to my account and it started reoccurring charges on my account. They never called me back for the confusion of this matter instead of saying it was no longer a case to solve this problem then ended my case. Charges was all from XXXX and XXXX. With this situation my credit score decreased tremendously and I was not able to apply for a loan. I've been scammed multiple times by the action from the past from banks that pretending to be an actual credit card company confirming my account. Given the fact that I received phone calls to contact the police and transferred me to the police office and no record was there to be contacting.
Product: Credit card or prepaid card

I initially contacted Capital One within 2-3 days after a charge for {$870.00} posted to my account. I notified them that the charge was not correct and services had be paid for by other means. I further provided the revised invoice for services which shows that the original amount due was {$850.00}. The merchant misapplied my payment to another account, causing them to charge me again for the original amount due of {$850.00} as well as a {$25.00} late fee - {$870.00} total. The original amount of {$850.00} has already been paid in full and on time, the charge to my Capital One account ( which was on file with the this provider ) includes a duplicate payment and a wrongly assessed late fee. I further provided proof of payment. The claim at one point was paid, and then reversed a short time later. After several months of back and forth and explaining the situation to several representatives, and re-submitting the same information several times, I was told that the claim was denied because it was not filed timely - which is absolutely not true. The only untimeliness involving this claim has been on Capital One 's behalf in their failure to resolve the issue. To deny the claim based on untimeliness, is inaccurate, no applicable and completely prejudicial. 

I have been a Capital One customer for years, and this entire process has been very frustrating and disappointing. I ask that you please take into consideration the forgoing information and re-evaluate the claim in my favor.
Product: Vehicle loan or lease

This complaint is in regards to file # XXXX I was in the settlement process and during this process i have been receiving numerous harassment calls by debt collector XXXX XXXX representing Westlake Financial. XXXX XXXX needs to be fired because he keeps Threatening to arrest or legal action. 
I told westlake fiancial to stop calling my phone number and any number in record and to send me letter instead. any communication was to be process via letters postal mail or email. XXXX told me he will show up to my house with police and arrest me. he has violated my consumer rights. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). FDCPA Section 809 ( b ), FTC

opinion letter Cass from LeFevre .FDCPA Section 805 ( c ) FDCPA Section 805 ( a ) ( 1 ). FDCPA Section 805 ( a ) ( 3 ). FDCPA Section 805 ( b ), 806, 807, 811 ( a ) ( 2 ). FCRA Section 623. each Fine minimum {$1000.00} per violation as per FDCPA Laws.

the account was removed from my credit report but the title was place on hold. at this point i demand the title loan and phone calls to stop. westlake financial was informed to follow my consumer rights per FDCPA Laws in the state of california. each violation I would also like to request, in writing, that no telephone contact be made by your offices to my home, third party and/or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in complaint.
Product: Mortgage

XXXX XXXX XXXXXXXX and Fay Servicing, XXXX XXXX XXXX.. I caught XXXX and lost my job ..I was in a forebearce agreement with the loan services ..Both continued to charge late fees and finance fees during the time of forebearence. I lost my home and property at foreclosure sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel the above companies have taken my home illegally.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Late Payments From Credit Report | I am writing to request assistance in removing late payments reported on my credit report. I was reviewing my credit report and found some errors relating to my payment history on some of my accounts. And I know that by law Credit reporting agencies have the responsibility to report accurate information IN WHICH THEY ARE NOT. Attached file are proofs shown on my XXXX! 
Date of late payment : XX/XX/year> and XX/XX/year> and XX/XX/year> are reported as inaccurate through my accounts and should be removed because it is prohibiting my future requirements. 
I have already contacted the creditor and the credit reporting agency to dispute these late payments but the issue has not been resolved. I believe these late payments are either inaccurately reported or should be reconsidered due to the extenuating circumstances.
Product: Vehicle loan or lease

My car was totaled XX/XX/year> and it was paid off thru my bankruptcy from my insurance company. The company flagship charged off {$12000.00} on my report after they received {$14000.00} payment from my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. 

I received a letter from TraunsUnion dated XX/XX/XXXX, requesting documents about my identity. It states that I need to provide two documents in the list below, including a driver 's license or state ID and utility bill. 

The letter also states that electronic documents printed from a website are not acceptable. That can be a problem because every company INCLUDING TransUnion tries to get their customers to use electronic documents when possible. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

At the end of XX/XX/XXXX I received a credit report denial letter dated XX/XX/XXXX. The letter stated that one or more of the documents were not qualifying. It also stated that only one form of proof was provided. The letter requesting documents did not state that there needed to be two forms of proof of address. The letter provides a list and requests two documents from that list. I provided two documents from that list plus extras.
Product: Credit reporting or other personal consumer reports

In late XXXX, I changed employers and with that, my email tied to my Best Buy Account was no longer in service. My old work email was connected to my best buy account. There was an annual automatic renewal of my best buy membership with a one time annual automatic renewal charge on XX/XX/XXXX. I have no idea if the bill was actually sent, but I received nothing in the mail or email. I received no mail notices nor did I receive any email notices of anything due. Once I found out about the charge on XX/XX/XXXX, I made payment right away. 

Best Buy reported to my credit report for the late payment and I'm trying to get that removed, but Best buy refuses to remove it, eventhough I did not receive appropriate notification of the charge. 

Not that it is relevant to this dispute, but I have spent significant dollars with the company recently, and have been a very long term customer that has impeccable payment history. 

I don't want to get my attorney involved but will if necessary.
Product: Money transfer, virtual currency, or money service

- On XXXX, I received an email from Navy Federal Credit Union ( NFCU ) dated XX/XX/ regarding an ACH from my checking account to an account at XXXX XXXX in the amount of {$5000.00}. I immediately called the NFCU XXXX team to protest this ACH as I had not authorized it, nor had I ever set up an ACH account with XXXX. Upon reviewing my account, I noted that this ACH had gone to XXXX XXXX for clothes/shoes. I do not know a person/business of that name. After discussing the situation with the NFCU fraud rep, I changed all my identifying info for my account. I was told that she would forward my protest to her supervisor, and that I would get a response within a week. 

- On the Consumer Financial Protection Bureau web site, consumers have up to 60 days to notify of a fraud. I notified NFCU in less than 1 day. 

- On the XXXX XXXX XXXX  web site, it is stated that that ACHs take at least 1 and possibly 4 days to process. I notified NFCU in less than a day. 

- On XX/XX/, I received a letter from NFCU dated XX/XX/ denying my claim based on the facts surrounding the use of my account and that I had benefitted from the transaction. It seemed to me that their letter insinuated that I was the fraudster. Additionally, the letter indicated that as a consumer, I had the right to request any documentation that was used in the decision of my claim. I called the fraud team again to protest their decision and to request the documentation they used to make that decision. The fraud rep, XXXX, said she would pass my request to her supervisor. 

- After waiting a week with no response, I called the Fraud team again on XX/XX/, I got XXXX again, and I asked her for an update. She looked through my case and said that there was no record of my protest nor my request for the documentation. She indicated that that request had to be in writing although nowhere on their XX/XX/ letter is that requirement stated. So, I wrote to request for my right to analyze their investigation. That letter went through the NFCU website to save a few days in the mail. I was told to expect a reply in 2 business days. 

- On XX/XX/ I received their response. They again denied my protest, and purposely refused to provide any information regarding their investigation. The letter appeared to me to be a boiler plate kind of response that they probably send to everyone : i.e., Please note that we are unable to provide sensitive information that does not fall within compliance. That sentence says it all, and it says nothing. And, they said it twice in the same paragraph! 

I called immediately, asked to go directly to a supervisor, and XXXX came on the line. I basically stated everything as Ive stated here, and she advised that my only recourse to gaining the investigative info was to subpoena it.