23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Claim # XXXX Date of Incident : XX/XX/year> To Whom It May Concern : I am writing to formally dispute the claim referenced above, in which your company alleges I am responsible for damages paid by your client, XXXX XXXX XXXX XXXX XXXX, due to negligence. This claim is factually and legally incorrect, and I demand an immediate retraction and cessation of all collection efforts. 

Factual Background : On the date of the incident, I was lawfully operating my vehicle and had begun pulling out of a parking space/driveway ( specify location if known ). 

Your clients insured struck my vehicle from the rear/side, which is physically inconsistent with your assertion that I was negligent. A collision of this nature indicates that the other driver failed to maintain a safe distance, control their speed, or yield the right of way under Texas law. 

I promptly filed a claim with XXXX XXXX, but your agency has failed to conduct a proper investigation. Despite my cooperation, your office ceased communication, violating Texas Insurance Code 541.060 ( unfair settlement practices ). 

Legal Basis for Dispute : Texas Transportation Code 545.153 ( Following Distance ) : The other driver had a duty to maintain a safe distance to avoid collision. 

Texas Transportation Code 545.151 ( Unsafe Speed ) : If the other driver was speeding, they contributed to the accident.

Texas Comparative Negligence ( Ch. 33, CPRC ) : Even if partial fault were assigned ( which I dispute ), your client can not pursue recovery without conclusive evidence.

Texas Insurance Code 542.003 : Your failure to conduct a thorough investigation before demanding payment constitutes bad faith.

Demands : Immediate Retraction : Withdraw all claims against me and notify credit bureaus of the dispute. 

Investigation : Provide documented evidence of your investigation, including police reports, witness statements, and proof of liability. 

Compensation : Your clients insured is solely liable for damages. I demand reimbursement for repairs, rental costs, and any other expenses incurred. 

Cease Communication : Halt all collection efforts or face legal action for harassment under the Fair Debt Collection Practices Act ( FDCPA ). 

Deadline : You have 14 days from receipt of this letter to respond in writing. Failure to do so will compel me to escalate this matter to the Texas Department of Insurance, the Consumer Financial Protection Bureau ( CFPB ), and pursue litigation for defamation, negligence, and violations of Texas insurance laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Discover Account ending in XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove the late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I have already contacted Transworld Systems Inc.to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continues to report a closed account late. They have done this 2 months in a row which has negatively affected my credit score in a tremendous way. They refuse to remove the late remarks. This needs to stop and those late reports needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for a bankruptcy that was reported on my credit report and was notified by Experian that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the credit acceptance account was removed as well. The possible finance account should have been removed as well as the credit acceptance account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.
Product: Credit card or prepaid card

I previously had a store account with Macy 's. I had fallen behind on payments however in XXXX of XXXX, I paid off my entire bill for {$140.00} using the automatic bill pay function from my bank. This was the entire balanced that showed on the account at the time that the payment was made and this was the amount that was reflected on the e-bill sent to my credit union by Macy 's subsequently, and unbeknownst to me at the time Macys tacked on a late fee during the same month but after the bill had been paid. I tried clearing up the fee in the past because I had paid off the entire principal balance. I got the run around from everyone that I talked to. Recently, I looked into my credit and saw that Macy 's had tacked on a ton of subsequent charges after the initial late charge. Thus the principal balance owed went from {$0.00} after I paid the entire balance to around {$32.00} after Macy 's tacked on a late fee and it continued to climb from there. The Balance due now stands at around {$290.00} dollars. This entire amount is comprised of late fees and interest on top of the late fees. On or around XX/XX/XXXX I called Macy 's to try to settle the account. I was told that the account had been sent to an internal collections department. I asked the department if I could pay the principal balance from when the company tacked on the first late fee and interest charge. The collections department said no without any explanation as they were trying to force me to pay over {$250.00} in drummed up charges and late fees. I then asked if I could settle the account. I proposed to settle the account for around {$75.00} to {$100.00} which was more than reasonable considering I had originally paid off the full balance of the card. The representative said that the company wanted at least {$200.00} which was wholly unreasonable and unconscionable given the account was previously paid in full. I stressed that I really wanted to make good and pay the account but could not in good faith pay all that excess money. Since XXXX I have been trying to settle this account through various means and communicative channels. Macy 's has essentially made my life XXXX. The worse part is that I just graduated law school and I am preparing to be an attorney. This account is impacting my ability to be admitted to practice law because it makes me appear as if I am financially irresponsible. I am trying to find a reasonable solution and while it may seem dramatic, Macys is literally ruining my life and career prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.
Product: Credit card

Timely payment is always my priority, and I'm confident about it. However, I'm uncertain why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing error should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Mortgage

Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.
Product: Debt collection

Keep getting multiple calls from debit collectors and I keep blocking the number after I realize what they are calling about. Mainly since I know you never share information over the phone with anyone mainly if they claim to be a person from a company that hasnt received payment.
Product: Credit card or prepaid card

I have a credit card with Avant and my balance is past due, which I know already. What I have a problem with is Avant is continuing to harass me and call me multiple times a day every day despite me trying to get a hold of a manager to ask why they are allowing their employees to harass people for a late payment. I understand calling and trying to get a hold of me however what they are doing constitutes as harassment and I will be filing for that. I am a law student and know that according to The Fair Debt Collection Practices Act ( FDCPA ) continuously calling me does fall under harassment. If I were to go to any police department and show them my call logs I would be awarded with a restraining order. Do I need to take things this far? I attempted to speak with a manager however after being on hold for what seemed like forever, they told me that a supervisor would call me, which they only have 10 business days to do so. I let them know that if I received one more phone call that was not from a manager that I would file a complaint against them. Not even 24 hours after I told them this on a recorded line someone who is not a manager called me and it was about my past due balance. And surprise surprise someone who was not a manager called me about collecting a payment after I told them that they were harassing me and that if anyone other than a manager called, I would report them so that is exactly what I am doing. If I need to I will file suit against this company because what they are doing is not right. How are you going to call someone repeatedly going to call you about a debt to the point where I have to threaten suit. And I just got off the phone with them after they called me when they were not a manager and would not put me on the phone with a manager for the second day in a row. The women who keeps calling me is named XXXX XXXX, the gentleman I spoke with yesterday was XXXX XXXX and today it was a gentlemen by the name of XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act ( FDCPA )
Product: Consumer Loan

Enclosed are detailed transactions for my Infiniti Financial Services account for XX/XX/XXXX. 
Please see the enclosed IFS statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XXXX. Therefore my bill was not late and please updates all credit reports with this information.
Product: Checking or savings account

I received a call from Wells Fargo XXXX XXXX at XXXX claiming that someone was trying to cash a check written on my account. They gave me a reference number XXXX. I called the number and they asked me for my account information to verify my account. Once I gave them the information they hung up. I called back and was transferred to another department and was hung up on again. I finally looked up the phone number on the Wells Fargo website and they said that the XXXX number was not a Wells Fargo number and that the reference number was not valid. I closed the account immediately.
Product: Debt collection

Subject : Formal Complaint Against RentDebt Automated Collections and XXXX XXXX  Dear CFPB, I am writing to file a formal complaint regarding the conduct of XXXX XXXX and their management at XXXX XXXX XXXX XXXX XXXXXXXX, as well as the subsequent debt collection practices of RentDebt Automated Collections ( XXXX XXXX XXXX, XXXX, TN XXXX ). 

Details of the Complaint : Property manager : XXXX XXXX ( XXXX XXXX ) Location : XXXX XXXX  at XXXX XXXX Debt collector : RentDebt Automated Collections Nature of complaint : Improper handling of COVID rent assistance, unfair eviction, and unwarranted debt collection Description of the Problem : I rented an apartment at XXXX XXXX XXXX XXXXXXXX XXXX for XXXX years with no issues under the prior management. However, after the arrival of a new manager, XXXX XXXX, the situation deteriorated significantly. I faced multiple instances of my vehicles being towed, unreasonable fines, and eventually, actions that forced my familyincluding my handicapped wifeto vacate our home during the COVID-19 pandemic. 

During this period, I was granted COVID-19 rent relief assistance after losing my business due to the pandemic lockdowns. XXXX XXXX initially complied with the required paperwork for the rent subsidy funds but did so reluctantly. While she signed twice to release funds, on the third occasion, she refused to cooperate, claiming I was abusing the system. This was despite the fact that I was legally entitled to this assistance and had provided all required documentation to demonstrate my eligibility. 

Her refusal to sign the required documents resulted in me being unable to pay rent, ultimately leading to my forced eviction. I believe this refusal was either a personal vendetta against me and my wife, or it was influenced by corporate policies that prioritized profit over tenant welfare, as late fees had to be waived under the relief program. 

Adding to this hardship, I am now being pursued by RentDebt Automated Collections for an alleged lease-breaking fee. This debt would not exist had XXXX XXXX properly cooperated with the COVID-19 rent assistance program as required. 

Impact on Me : These actions rendered my family homeless during an already devastating time, causing immense financial, emotional, and physical hardship. I have since rebuilt my life, only to be unfairly targeted by RentDebt for a debt that could have been avoided if XXXX XXXX had fulfilled their obligations. 

Steps Taken : I attempted to resolve this matter directly with XXXX XXXX during the COVID relief period, but XXXX XXXX refused to cooperate. 
I have contacted RentDebt Automated Collections to dispute the debt, but my efforts have been unsuccessful.
Product: Debt collection

Continued calls from this company to me for a debt that does not belong to me. They continue to contact other people in the company I work for causing damage to my reputation and causing personal embarrassment. They have been told numerous times I am not responsible for this debt and the person they are looking for is not employed by the company I work for.
Product: Credit card

This is a follow up to complaint XXXX. Chase stated that they sent the check and that complaint was closed. It's past their stated delivery date and I still haven't received the refund. I've called the rep at Chase that's handling this for me, and he won't return my calls. What is the problem? It's {$170.00}. Can we go above the reps head that's not helping me?
Product: Student loan

My son, XXXX XXXX, the borrower ( I am the co-borrower ) signed up for hardship program in which he set up 3 autodrafts with a lower payment amount. After he advised me he did this, I called XXXX XXXX directly to ensure negative reporting would not occur. XXXX XXXX advised me they would not report ; The three payments were for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I reviewed the loan shortly after the XX/XX/XXXX payment was to be drafted and saw that it was not credited it to the loans I advised my son. This occurred approximately at the end of the 2nd week in XXXX. XXXX called XXXX XXXX to find out what happened - we learned XXXX XXXX had the incorrect checking account number for the draft. XXXX, who is a supervisor indicated he listened to the actual phone call and did admit XXXX XXXX made the mistake. XXXX relayed to me that XXXX went ahead and cancelled the existing set up drafts, rescheduled for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX with the correct account number. Meanwhile XXXX XXXX now reported the loan 60 days delinquent ( causing my credit score to drop by 81 points ). It was their error for incorrectly entering the checking account number. 1 ) The delinquency should not have been reported which they refuse to correct 2 ) Even if they do report at 60 days, again the loan would not have been 60 days delinquent had they entered the information correctly the first time in XX/XX/XXXX. XXXX XXXX is advising they will not correct until all three payments have been made which is not until the end of XX/XX/XXXX. 
I would like an immediate retraction of the negative reporting as their error has caused my score to drop -- at a time when I need to shop for a vehicle for my daughter. 

XXXX XXXX as a whole is a company that does not care about the individual only their bottom line. They are in the business of ruining students not helping them. Not only do they not care about the individuals who take the loans out but they are predatory and have no morals.
Product: Student loan

PrepMD has taken the entire payment from Meritize XXXX student loan financial services for a 2-part course, but I am unable to access my course. I have started the first part, but have not finished. I intended to take the course to prepare for the XXXX exam, but the course does not offer education to prepare for the XXXX exam. XXXX, my representative baited me into taking the course, and the course did not provide and education for the XXXX. I don't have access to my course, and so the first part has not been completed, and the 2nd part hasn't been started.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit from XXXX involving auto financing this account is paid in full and closed. 

In accordance with the fair credit reporting act 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: Credit card or prepaid card

Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.
Product: Credit card or prepaid card

HSBC XXXX XXXX # XXXX HSBC CXXXX XXXX XXXX # XXXX On XX/XX/2022, I noticed something strange happening to my credit cards. A new credit card ( XXXX XXXX XXXX ) was added to my profile, and whatever charge or payment was posted onto my old credit card ( XXXX XXXX XXXX ) was being posted and adjusted onto the new XXXX XXXX  XXXX. I thought, this is just a system error, and probably, would get resolved in an update, etc. Few days passed, and I contacted HSBC customer service, and after the agent reviewed everything on the account, I was notified that ostensibly on XX/XX/XXXX, a letter was sent out to me, saying that if I no longer satisfy the XXXX relationship requirements, I will be downgraded. I never received that letter, and more importantly, I satisfied the HSBC XXXX requirements through both my HSBC deposit accounts in the US and my linked HSBC XXXX deposit accounts inside XXXX, and then downgrade has occurred by mistake. 
I contacted customer service one more time, on XX/XX/XXXX, and requested my XXXX XXXX XXXX to be upgraded back to XXXX XXXXXXXX, as obviously I satisfy the XXXX requirements, and the system has downgraded me by mistake. I was told by the agent, after a lot of communications with the back office, that I need to " re-apply '' for the XXXX Credit Card and they can not automatically product change again. 

So, essentially, HSBC without proper notice and communication, and by mistake downgraded me to the HSBC XXXX XXXX  XXXX, and it was OK for them to product change me on their own, but now that I am pointing out their mistake, and want my old XXXX Credit Card ( which I paid a {$XXXX} Annual Fee for in XXXX, and did not even get to use it for the full year ), I have to go through a new application, and can not be automatically product changed... 

This is double standards, and absolutely unacceptable. I, hereby, request HSBC bank to product change my HSBC XXXX XXXX XXXX to the HSBC XXXX XXXX XXXX, and give me my old credit card back, which I paid an annual fee for, and was downgraded by mistake, and without proper notice, and communication. 

Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed the XXXX  account multiple times and submitted all necessary proof stated in section 605B of FCRA and still item appears in my credit. I have no other choice but to write this complaint and hope for the best.