23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Phoenix Financial Services ( hereafter referenced as " Phoenix '' ) is continuing to harass me with an invalid collection bill, months after it was paid in full. I would like them to cease contacting me or my family, with the exception of a written statement showing that the bill has been paid. 
In XX/XX/2018, Phoenix phoned my wife and me several times about a collection bill for {$430.00} for medical services from creditors XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. We explained that we needed to investigate, because we believed that the original creditors had already been paid. Nonetheless, Phoenix threatened to report the debt to credit agencies unless we paid them, and offered a " discounted '' amount to resolve the issue. I declined, and explained again that if the debt was valid, I would pay, but that we needed to investigate the validity of the debt before paying. 
On XXXX XX/XX/2018 @ XXXX XXXX XXXX, because of my concern about a negative mark on my credit report, I paid Phoenix the full amount through their online system at phoenixfinancialsvcs.com. I continued to investigate the original alleged debt, but business travel in XXXX 2018 hampered my progress working with the original creditors. I have confirmed via my bank ( and bank statement ) that Phoenix received payment from me on XXXX XX/XX/2018, in the amount of {$430.00}. 
I then received another letter from Phoenix, dated XXXX XX/XX/2018 more than a month after I paid their bill again requesting payment of {$430.00} for a debt that remains outstanding, and offering a discount offer of {$280.00}. 
I called Phoenix on XXXX XX/XX/2018 @ XXXX am to ask why they sent me a letter when the bill had been paid months earlier. The Phoenix staff member indicated that it could be a mistake, but she couldnt see any record of payment on her side. She asked me to email or fax her my bank statement, which I declined to do for privacy reasons. She transferred the call to who XXXX, XXXX ( sp? ). 
During my conversation with XXXX, I asked her who at Phoenix could look up the record of transactions to find the payment, since she stated that she could not. She answered no one. I expressed disbelief. I ended the call, and called back minutes later to state on the record that I would transition to written communication only to address this issue going forward. I am concerned that these aggressive tactics may be a common business practice of Phoenix, to get people to pay invalid debts multiple times. 
I request that Phoenix consult their financial systems to verify receipt of payment of {$430.00} from me in XX/XX/2018. I would like them to send me written acknowledgement of the payment, confirming that there is no outstanding bill. After that, I would like them to cease contacting me or anyone in my family neither by phone nor by letter regarding this issue. 
Warm regards. Thank you!
Product: Debt collection

Regarding case no- XXXX I don't know what was the mailing address because I did not receive any mail from XXXX XXXX and I only got one call from them asking for copay of XXXX $ and I paid that amount right away. Now what is the next step what I need to do to remove that collection from my account. I am ready to pay this amount as well but I want this collection to get remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX ( {$13000.00} ) ( {$950.00} ), has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) : states I have to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am having an issue with a debt being reported to my Consumer credit file by XXXX XXXX on behalf of XXXX XXXX The bill shows an unpaid amount of {$2700.00} dollars and this is grossly inaccurate. I have repeatedly asked XXXX for an itemized listing and documentation in regards to this account and amount. XXXX has not been forthcoming with the information requested. XXXX can not find my file with my information, SSN or other identifiers. 
XXXX XXXX has not complied with my request to verify and validate the manner in which they have concluded that I owe an amount that XXXX can not verify. 

I am asking the CFPB to intercede on my behalf. The collection account is reported illegally and unethically and I am asking for it to be investigated and removed from my consumer credit files.
Product: Credit card or prepaid card

I have tried for several days to make my payment online and the website has been down. I have also tried to reach them by phone and the phone line is not accepting calls. It states they are doing a planned system update and it is taking longer than planned. My payment is due on the XXXX of the month and I am concerned this will have a negative impact on my credit. I was never notified that the system would be down so that I could make other arrangements to make sure my payment was received prior to any system update.
Product: Checking or savings account

I have already filed a complaint previously, complaint # XXXX and my complaint was closed by Bank of America without resolution and using justification that contradicts their own words and is both incorrect and illegal. Further, in their response to me, they have provided contact info that is unreachable and disconnects without allowing you to reach the agent handling your case or even leave a voicemail. BofA, in the handling of these types of situations, should be urged to give out correct contact info. 

In reference to my case, BofA has deducted {$10000.00} from my personal checking account because of a withdrawal made by me from a business account of which I was an authorized Signer. They have claimed I was removed from the account the day prior and justified this deduction, claiming the " Right of Offset ''. However, " Right of Offset '' is not applicable in my case, as in BofA 's own words in their response to me, " An offset is allowed as long as both accounts have at least one common owner ''. I was not an owner of this account and BofA in their response admits this in stating, 'it was determined that prior to the withdrawals the bank was processing a request to remove your name as an authorized SIGNER from the accounts ''. And, even if I was an owner ( I was only a Signer ) of this Business account, BofA claims I was removed the day prior to the withdrawal, so using this rationale, I was NOT a Signer or a joint account owner the day the withdrawal was made, so how could my separate personal checking account be used to satisfy this debt? You can't claim I was removed from this account prior to the debt but claim I was also still an owner of the account at the same time? Either I was removed as a Signer the day prior to the withdrawal and BofA failed to let the rest of their company know this fact, aka this was a banking error to allow the withdrawal, or I was still a Signer, and in that case, the transaction was authorized.

This deduction from my personal account is not allowed based on the incorrect Right of Offset claim, but even further it should not be allowed because when the withdrawal was made by me, I was verified as an authorized Signer by both a BofA branch manager and BofA 's own fraud department, not even mentioning the double jeopardy listed above. If a request was made prior to the withdrawal to remove me as a Signer, but neither the local branch manager or BofA 's own fraud team was not made aware, then that is a banking error and not fraud on my part as was claimed in correspondence sent to me. 

What BofA has done here is to withdraw a debt incurred by a business, based on a banking error they created ( on an account I was only a SIGNER on ) from my personal checking account. This is not legal and under this assumption any accounting clerk, ( designated as a Signer, at any company ), would be on the hook for business debt if they happened to bank personally at the same institution. This is not correct practice, and this should be looked at much more closely by the CFPB and BofA internally.
Product: Vehicle loan or lease

Leading up to around XX/XX/XXXX, I was given the opportunity to have payments deferred, due to hardship. I asked two seperate times, and it was not done. On one occasion, i paid what i could, ( {$250.00}, on XX/XX/XXXX ) that satisfied XXXX payment, and was supposed to have the next two deferred so i would be current or real close to being current, I can not remember ... Those payments were not deferred, despite what i was told, and what was received via email offering the deferrals. There is no fine print, nothing on the email stating that it would need to be approved. I was told to look online to see a few days later that that had happened. It never was, and it just led to more and more delinquency, and back and forth, ultimately leading the company to charge off the loan. Their language, tone, and lack of service, not to mention INTEGRITY has lead this to happen, where NOW they wan na make a deal with me. Pay {$11000.00} and call it even. Prior to this offer, i called and when i spoke to someone she advised me of the charge off, and then mentioned the settlement offer. She advised me she was and WAS ABLE TO APPROVE the offer of around {$7500.00}, and i asked numerous times if that was something that i would have to wait to hear back from. She advised me, No thats what i was able to submit, and get approved based on the car, and the information she obtained from me about the car, including mileage and year. 
a few different times, in my opinion, based on the definition have violated the Fair Debt Collections Practices Act ( FDCPA ), and the Unfair or Deceptive Acts or Practices Acts. I wrote a letter asking them to just honor what they offered, and reinstate the loan, and i would do my very best at continuing to pay. The whole reason, which doesnt matter i fell behind like i always mentioned was that my father was sick, and had XXXX, and on XX/XX/XXXX, i lost him. so everything prior to his death was helping with medicines, treatments, and just cost of living. the unexpected loss also added to the snowball effect of bills when we were not able to cover the funeral, and had to scramble to do so, and even till this day, still owe around {$2500.00}. I am not looking for money, publicity, or fame, i just want to be treated fairly, and with respect and integrity. if there is something that can be assisted with, i would appreciate it. I have also called a few times requesting copies of things that were sent and signed in the past, and they have declined to show me anything, other than providing a number to call too " file a complaint '' and that number just rings and rings...
Product: Debt collection

My vehicle was repossessed on XX/XX/XXXX, the loan plus applicable fees of {$16000.00} were paid in full on XX/XX/XXXX, since then we have been contacting XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to get the car back and we are getting nowhere with XXXX systems and being able to pick it up. The paid off and the XXXX has been released, I am reaching out to you to see if you can help as we are getting nowhere with XXXX to get our car back. I called on Friday and was told by XXXX XXXX she answered the phone at XXXX ) that the website was not working even though the message you get when calling asks you to use rmsrecovery.net, she said that the lot attendant where the car is being held are only available on M/W/F XXXX and that you have to make an appointment 24 hours in advance. I called Monday and was told by XXXX that she had made an appointment for us to pick up the car today ( Tuesday ) at XXXX XXXX but we never received confirmation or the information needed to pick up the vehicle. So when I called back, she told me that she was not able to confirm the appointment but she would set us up for Wednesday at XXXX and she would call me to confirm, again no call. I called at XXXX XXXX XXXXoday ( XX/XX/XXXX ) and was told by XXXX that she scheduled the appointment for XXXX on XX/XX/XXXX and would call me back to confirm. I then reached back out to XXXX  customer service who tried to call to see if they could help, they called and were told that I would receive a call back. I called XXXX again at XXXX, after being on hold for XXXX XXXX I again got XXXX who gave me the same information as before, when I pressed about my concern of the the information and runaround I was given, not to mention being concerned that my car would be sent to auction and about the negative reviews on the XXXX XXXX XXXX  websites ( all mention the same exact thing I am experiencing ) she told me that they haven't gotten anything back from the lot attendant but she has me scheduled at XXXX but can not give me any further information. I have to work and I need to know when I am going to be able to pick up the car. I have filed a complaint with the XXXX XXXX XXXX  I contacted the MN Attorney General XXXX XXXX and his office has asked me to file a complaint. I have also contacted my own attorney. I did everything that I was expected to do and now I can not get my car back, I am hoping someone from your office can help as soon as possible. My car is a XXXX XXXX XXXX XXXX and the last 6 are XXXX. I can be reached at XXXX or XXXX, I would like to resolve this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXXXXXX XXXXXXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a letter that stated the following : We will no longer be supporting this application, and it will be shut down beginning XX/XX/year>. You have received your final statement via email that reflects your updated balance, and the debt is considered paid in full. 

However this account is reporting to my credit profile in a " derogatory '' status in the amount of {$840.00}. 

I am requesting that this should be removed from my credit profile.
Product: Credit card

I applied for and was approved for an American Express Platinum card on XX/XX/23, with my application approval including a welcome offer of XXXX Membership Rewards points if I spent {$6000.00} or more on purchases using the card within XXXX months of account opening. After XXXX months, I had already achieved the required spend to attain the welcome bonus, but noticed that the rewards points had not been credited to my account. I called the Amex Platinum customer service line to learn why, and I was informed that my welcome bonus had been denied on XX/XX/23, with no reason indicated. This came as a surprise to me since I had been approved for the welcome bonus when applying for the card XXXX days earlier, and would not have applied for the card without the intro welcome offer. The customer service representative was not able to address my complaint, thus I decided to submit a complaint through the CFPB in an attempt to resolve the matter and ideally have the welcome bonus credited to my account.
Product: Debt collection

XXXX XXXX, XXXX on XX/XX/19 has not validated the XXXX account and has failed to respond within allotted reporting time. In addition they are trying to collect on incorrect amount. 


process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XXXX nor XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, current address & employment are incorrect, and or missing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I want an investigation done something is wrong with this bank I had a charge hit my account on Thursday XX/XX/24 Immediately when I saw the pending charge of {$31.00} I got up at like XXXX XXXX  and I went to the bank 's ATM and I Deposited More than enough to cover XXXX I deposited {$110.00}, {$50.00}, {$25.00} and {$31.00} To This Account To Cover My Charge and the negative balance on my account I covered it all when I finished I think I even did a transfer to make sure the balance was covered. 

It was literally deposited the same day before Noon On XX/XX/24 Thursday Friday XX/XX/24 I received notification that the payment of {$31.00} was being returned. I covered the payment and it should not have been returned. I Had just covered it the day before. 

I spent 2 hours speaking to a supervisor and she explained to me the cut off time would be like XXXX XXXX  that day and any deposits made at the ATM on the same day should cover the amounts and I would be fine. This is untrue, I did exactly what the " supervisor '' advised me to do and they still returned my payment. 

This time I took screenshots as proof. I would like this bank investigated I think they are purposely doing these things to incur additional fees for me I have advised them on several occasions that I am a woman with a XXXX  XXXX and I am living on a fixed income I can not afford to have all these fees when I am doing nothing wrong I will attach the screenshots, Nothing they tell you is consistent. They keep changing their rules and it is stressful and causing me XXXX
Product: Debt collection

I recently reviewed my credit report and found accounts that I believe were added without permission. Please take swift action to remove these fraudulent accounts.
Product: Debt collection

According to law 15 USC 1692cc. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting or other personal consumer reports

JPMCB Auto Finance Account # XXXX The above company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt.

There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ).

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. This companies action of reporting inaccurate information is severely impacting my ability to obtain credit.

Please investigate so that this account may be deleted from my consumer report and my credit profile updated. 

Thank you,
Product: Checking or savings account

I had 6000 stolen from my account. I tried to stop the theft from occuring by calling the bank and telling them my account passwords were changed and compromised. But they kept the account open and 1k was stolen on that night. The bank said that because I still had my card present they couldn't refund me the money. Now my account is negative 1k and I'm so frustrated and feel robbed by them. I even went into the branch and told them and they just assured me I'd be taken car of but we're late submitting my claim. They said it's impossible to duplicate a card but it isnt and they are being duplicated as mine was please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed disputes with all XXXX  XXXX  TransUnion requesting time remove inaccurate info on my credit report and they have failed to do so! Ive submit proof that XXXX XXXX XXXX and XXXX  XXXX  is reporting inaccurate information on my credit report. All there is 13 hard inquiries that needs to be removed due to the fact I never received credit from companies nor applied with companies.
Product: Credit card

Back in XXXX of XXXX, I received an email from XXXXAmerican Express advising that for each additional cardholder that was added to my account, I would qualify for a XXXX mile credit up to 4 authorized users. I took advantage of the promotion, added the users to the account thru the link that was provided in the email. After the qualifications were met, I reached out to Amex in XXXX, XXXX, XXXX, XXXX, and each time I was told that the credits would post 8-12 weeks after the qualifications had been met. The qualifications were met no longer than XX/XX/XXXX. I reached out to them on XX/XX/XXXX and was told I needed to request credit from XXXX, after reaching out to XXXX, I was advised that I needed to reach out to AMEX. Today on XX/XX/XXXXXXXX  I was told that their research team said that despite the information provided by me, there was no promotion offered, despite me receiving one of the XXXX bonus miles for one of the additional users on XX/XX/XXXX to my XXXX account with XXXX. I have tried to resolve this now with over ten hours of manpower, and still am being told 8-12 weeks, however, according to XXXX, they do not see any promotion pending on their end. I am getting conflicting information ; I am owed still XXXX bonus miles for XXXX XXXX, XXXX XXXX, XXXX XXXX. It appears that the one credit for XXXX was credited for XXXX XXXX. 

During today 's interaction I was not given a case number with Amex by the specialist, I was given this verbiage. " I am afraid, case number is something an internal id, and we are unable to share it. However, you can keep chat id as reference : XXXX '' I was also told this by the specialist. I see that a case was opened for this, and our team updated that there was no such promotion available against the additional users. 

After reaching out to XXXX today, I requested to speak with a customer advocate Research Specialist, and the person that I am working with is not a customer advocate specialist, she keeps reiterating 8-12 weeks. The terms and conditions were met. 

Now I was just told that the promotion started in XX/XX/XXXX, despite, me receiving an email on XX/XX/XXXXXXXX  and adding the users on XX/XX/XXXX. ( XXXX, XXXX, XXXX )