23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see document provided from the company ( 3rd party ) handled the debt owed stating the debt was paid in full and I requested a written document to prove this just in case they continued to report this debt unpaid, which is the problem. Company name ProCollect for XXXX XXXX. 

ProCollect I n c o r p o r a t e d XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX ( XXXX ) XXXX Office Hours : Mon-Thurs XXXX - XXXX ( XXXX ) Fri XXXX - XXXX ( XXXX ) Sat XXXX - XXXX ( XXXX ) XX/XX/2022 Creditor : LEASE TERM INSURANCE GROUP Office Manager : XXXX Attached letter came from manager with ProCollect who handled XXXX XXXX 


*** PAID IN FULL LETTER*** Receipt of this letter acknowledges that the above referenced account is paid in full. This will release you from any further obligation concerning this matter. Any derogatory credit reported by ProCollect , Inc. on this account will be adjusted. 

Sincerely, XXXX XXXX Office Manager
Product: Credit reporting or other personal consumer reports

I can across the cfpb Experian lawsuit I feel I was negatively impacted hurting my chances at receiving a response to my earlier dispute that the account was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Was approved for a loan on : XX/XX/XXXX Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from XXXX that my credit was pulled from Climb Credit which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.
Product: Debt collection

Today I received a letter dated XX/XX/23 from Specialized Loan Servicing, indicating that I was delinquent on my supplemental real estate taxes. 
This is, in fact, FALSE! 

I am aware that it is my responsibility to pay supplemental real estate taxes and I have paid them and I am NOT delinquent. 

Ive called their company today and had a representative confirm this information. She also did not know what the indicated XXXX XXXX {$470.00} ( owed ) is in their letter. 

To receive *FALSE and INTIMIDATING notices from a debt collector, especially when my bills are ALL PAID IN FULL - is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX from XXXX in XXXX, FL during XXXX of XXXX for transportation to work. Due to credit issues in the past, I was aware my interest rate would be higher, however I currently believe I was the victim of a predatory auto loan. Upon purchase, I was made aware I was on a 72 month loan, with bi-weekly payments of XXXX and annual percentage rate of 25.072 %. Total amount financed was XXXX. As of XX/XX/XXXX I realized Ive paid XXXX in addition to my XXXX down payment, yet my loan balance has only reduced to XXXX - meaning I have paid XXXX in interest alone, in the last 7 months. Certain this was an error, I contacted Bridgecrest- and was informed my interest was daily compounding. The representative essentially agreed this was a predatory loan - and unless you work there youd realistically have no idea how these loans actually work. Upon reading my contract it does state daily simple interest however this was never explained to me in simple-to-understand terms and I feel the dealership and Bridgecrest prey on individuals in desperate situations. I then researched Florida State Law and saw the max interest on a car loan is 18 %, further confirming my suspicion this was a predatory auto loan. I inquired on this and was told to call their legal department. Upon calling their legal department I was laughed at and told I should have paid better attention at the time of purchase. Astonished by this reply, I am moving forward with a formal complaint. Attached is my conversation with Bridgecrest via chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information is being used without my consent or might be part of a data breach the following items dont belong to me and I have never had any relationships with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Havent received direct deposit from last payroll XX/XX/year>. Company had an outage and was resolved but still have not received money on my checking account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 USC 6801, which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The furnishers of information to credit agencies are considered financial institutions under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I, as the consumer, have not given XXXX, Experian, XXXX, or any furnisher of information to credit agencies my consent to furnish this information, nor have I provided written consent. Any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. At no point have I been informed by the furnishers of information to credit agencies about my right to exercise this nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. This account, being an adverse item, is being reported without my permission, which is in violation of the law. 

According to 15 USC 1681s2 ( A ) ( 1 ) ( A ), 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. Furthermore, 15 USC 1681e requires that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures to uphold these standards. 

Finally, under 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. I am hereby opting out of your reporting services.
Product: Credit card or prepaid card

I was scammed out of {$30.00} by someone pretending to be my friend but CASH APP DOESN'T CARE AND REFUSED TO INVESTIGATE!
Product: Credit card

I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX. On XXXX XXXX it arrived. It comes boxed up and wrapped. Upon unboxing and unwrapping, I found the bike to be damaged and beat up. I brought this up to the vendor and they had nothing to say. I then assembled the item and it did not work or turn on anything. The bike was certainly pre-owned or used as a parts bike as I had multiple professionals take a look. It cost me over {$1000.00} in parts and labor to even make it close to working correctly. 

XXXX claimed I was buying a brand new bike with a XXXX warranty. I GOT NONE OF THAT. They also have stopped responding to all emails since I left bad feedback on their google page. 

I opened up a dispute with DISCOVER in hopes of rectifying this issue. I provided Discover with every single email, along with them responding to others saying they " Have a 3 month warranty no questions asked '' I provided Discover with 20+ documents. 

Then XXXX responded to Discover with what appeared to be an illegible written note. Discover ruled in my favor. Then about 3 weeks later I checked the dispute and Discover ruled in the merchant 's favor and they refused to talk to me or provide any evidence. 

I tried explaining to discover that yes I received AN ITEM but not what I purchased. I received something very different that cost me A LOT of money. 

XXXX actually emailed me saying that since i left bad feedback on XXXX, they were no longer going to help me or provide any credit. 

Their warranty states i should be credits for PARTS AND LABOR. 

Discover now will not respond to me or provide me with any additional information. They also will not let me appeal the decision I was defrauded by XXXX and now the same with Discover. They will not listen to me, help me, or hear my side of the story. XXXX was allowed to submit handwritten evidence that could not be read, and then was given another 30 days to respond, but discover ends online chats early with me and ignores me on everything. 

This should seriously be investigated. 

I would challenge XXXX  with a 93A violation in the commonwealth of Massachusetts.
Product: Credit reporting or other personal consumer reports

I filed this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. XXXX  XXXX XXXX XXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/2021 I authorized a payment through Navient 's online payment portal for {$900.00}. On XX/XX/XXXX, Navient had withdrawn two payments from my checking account, one for {$900.00} and an unauthorized payment of {$1700.00}. I called and was transferred from one department to the customer service department. When speaking with the customer service rep, she advised that they had to request a refund with her supervisor and let me know I had to provide my routing and account number in order to receive the refund. I advise they had it on file since they took the money from that account, they should put it directly back into that account without me having to provide the representative my information. Again she said it was required, I asked for alternative methods to receive my money back, she did not present me any options. 

I needed this money back in my account so I provided the routing and account number. She then told me that the refund request could take up to 24 hours and that I would receive the money back within 5 to 7 business days. When I asked how I would be contacted to know if the refund was approved, she said they " do not do that '' and I would have to call myself. I asked what confirmation number or ticket number I had to provide when I call back, she said there was not one. I asked her why there was no one who was going to contact me, and why this was going to take 5-7 business days when this was an unauthorized transaction. I also let her know I had taken screenshots when I made the payment on the online portal and I only hit submit on the website once and had a confirmation number of 176710039C for the amount of {$900.00}. She did not answer my question, she just moved forward and said that I can call back tomorrow to see if my refund was approved. I let her know again it was not acceptable that they are taking money unauthorized, letter her know again I did not provide consent to that payment and asked why there is no way to expedite that money back to my account. Again she didn't answer, and just said I can call back tomorrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California XXXX XXXX XXXX XX/XX/2024 Re : XXXX, XXXX, AND EXPERIAN TO PROVIDE ACTUAL VERIFICATION DOCUMENTS USED IN REINVESTIGATION RESULTS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX I'm demanding that the consumer reporting agencies XXXX XXXX XXXX XXXX and Experian to provide me by certified mail the actual documents provided by the creditor XXXX XXXX XXXX account # XXXX, that was used to verify the account showing debt of {$10000.00} to be accurate in there reinvestigation results. 

If consumer reporting agencies XXXX, XXXX, and Experian can not provide me sending me by certified mail with the actual documents of verification that was used in their reinvestigations. I demand that this account to be removed due to unverifiable information.
Product: Debt collection

I wasnt notified of this debt nor given the chance to dispute it, before it was added to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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: Credit reporting or other personal consumer reports

Company agreed to remove credit inquiries from my credit report, they have yet to do so.
Product: Credit reporting or other personal consumer reports

I recentlyreviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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
Product: Mortgage

A complaint was filed against RightPath Servicing for failure to provide DOCUMENTS they ( RightPath Servicing - The Company ) would have reviewed to determine the master insurance policy provided by the borrower did not satisfy the lender 's requirement for interior coverage of the condominium unit. The lender made a demand for forced placed insurance claiming insurance on the unit had " expired '', although the borrower provided proof of insurance more than once. A showing of a comparison of documents, between the lender placed insurance and the master policy provided by the borrower was requested. These documents have not been provided in order to compare the coverages offered by each, and an explanation from RightPath Servicing detailing how they arrived at their determination that their lender placed insurance provides coverage that the master policy provided by the lender does not, has not been submitted as requested. In addition, RightPath Servicing made claims that my " hazard insurance '' had expired and documents proving this claim by RightPath Servicing were requested but have never been provided. No document stating my insurance had expired has been provided, ever. RightPath Servicing then claimed the master insurance policy provided by the borrower was missing the term ( s ) " betterments '' and " improvements '' as well as " walls-in '' and that these terms were required in the master policy. Request for documents proving these terms are required were requested by borrower from lender. Lender has failed to provide these requested documents. RightPath Servicing then claimed there was a previous HO-6 policy placed on my condominium, by the previous lender, whom is also Mr. Cooper, but has failed to provide the documents requested showing proof of a previously existing lender placed insurance policy. If, in fact, there was a previous lender placed insurance policy in place, my monthly mortgage payment would reflect the payments of this lender placed insurance and the fact my monthly mortgage payment remained the same from the transfer to RightPath Servicing, my monthly mortgage payment would have already been assessed for lender placed insurance coverage. RightPath Servicing had increased my mortgage payment by {$1000.00} per month to fund the lender placed insurance they placed on my property. Proof of a pre-existing LPI policy was requested, in the form of documents RightPath Servicing would have reviewed in order to claim there was a previously existing LPI policy in place from the previous lender. The documents requested would have also helped determine if RightPath Servicing was " double charging '' for LPI. To date, NONE of these documents have been provided by RightPath Servicing as requested by the borrower. This complaint can not be dismissed as a duplicate complaint as RightPath Servicing has not complied with the previous request for documents as stated in a separate complaint. This complaint is for failure to provide documents that have not been provided, to date.
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. 


Account Name : 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 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

On XX/XX/XXXX through the XXXX I was charged from numerous international companies in small amounts, all documents attached below, and some large amounts all. these companies continued to charge my account even after I had called the bank and reported the false charges. The bank has stated they have sent me a text message on XX/XX/XXXX but that had nothing to do with these charges. The bank waited until the XXXX to send a alert to me stating there had been fraud which I replied no to, they then followed up with a message saying they would contact me back which they never did, I called them a hour later and they told me my debit card was hacked and the account was secure. I continued to receive charges up to the XXXX even when pending charges, they let the charges continue. each time I called back was a different excuse, and the phone recordings as they stated will show so. Ive recently called back asking about XXXX XXXX liability and them telling me they escalated the case ( when they told me I would get a call back in 3 business days ) and they denied even having zero liability then not being able to do anything about it, and the escalated case was entered incorrectly and its going to take another 7 buisness days. Every time I call there's a new excuse and they need more time. I have filed a police report and I will be contacting a lawyer, but this is very stressful as it was close to {$4000.00} and they denied the provisional credit and the cases. They keep stating, after lying and giving odd reasons about my debit card being hacked, that it was now used on my phone, even though all these charges were international.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

Received XXXX emails from AmeriSave Mortgage Corporation thanking me for financing a home loan with them. I do not have a home loan with AmeriSave or any other institution. I am concerned that this may be a fraudulent attack on my credit rating or an attempt at identity theft.