23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the inaccurate medical debt that PlusFour has reported on my credit file. Despite multiple attempts to resolve this matter, PlusFour has failed to remove the erroneous information. As this debt does not belong to me, its continued presence on my credit report constitutes an ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, you are legally require
d to conduct a reasonable investigation into disputed items and to delete any information that can not be verified as accurate. I hereby demand that PlusFour immediately remove this medical debt from my credit report and cease all reporting of this account to credit bureaus. 

Please provide written confirmation of the removal within 15 days of receiving this letter. If this issue is not resolved promptly, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action to enforce my rights under the FCRA. 

Attached are copies of relevant documentation supporting my dispute. Please consider this letter a formal request for PlusFour to comply with federal regulations and correct my credit report without further delay. 

Sincerely, XXXX XXXX
Product: Debt collection

I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the XXXX regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my XXXX as proofofmyidentity and my Proof of Address.
Product: Student loan

My student loan provider is MOHELA. There is no way to make an additional payment towards the principal balance. In order for funds in excess to the minimum payment to be applied to the principal balance, you must fax written instructions to MOHELA. They do not provide a template for language to ensure this is handled properly, nor do they provide confirmation the instructions were received. There is no indication on your account that the rules requested have been applied. They also omit the word " principal '' in the instructions. The only option when paying through their portal is to advance the payment. The language they include in the FAQ regarding this matter is as follows : " To never pay loan ( s ) ahead when you make additional payments greater than the total amount due ... '' In multiple places on the website you can find instructions that contradict other instructions on the same website about the same process. This is deceptive and predatory practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my credit report with Experian because it has been over XXXXyrs. They Emailed me stating the investigation was complete and the bankruptcy was to remain on my file. I filed a dispute with XXXX XXXX and XXXX  on the same day and within a few short days both had removed the bankruptcy. I tried calling Experian today, was put on hold for 20min, then the line turned to static. I submitted my dispute with Experian on XX/XX/XXXX. The report # is : XXXX, a reference # is:XXXX
Product: Checking or savings account

I have been a customer of Commerce Bank since at least XXXX of XXXX  My account was set up so that if the funds were not available, a transaction would be declined. This was done intentionally as I do not make much money and can not afford overdraft fees. I have never had any major issues with my account until this past week. 

Previously, regardless of transaction type, whether it be a pos sale or a monthly subscription, if the money was not available, the transaction was declined. Last week however, several subscriptions for streaming services posted to my account for which there was not funds available and overdraft fees ( XXXX overdrafts at {$36.00} each ) incurred. 

I called customer service and the woman I spoke with explained that the streaming subscriptions are recurring payments and are not declined because they are recurring payments. I explained to her that in the past they were in fact declined. When I asked when and why the change she told me that it has always been that way I insisted that no, my account has never been set up that way, that previously those transactions were declined. In an effort to resolve the matter she stated she could get me a credit of two out five overdrafts. The two credits posted to my account the next day. However the following day there were two more overdrafts posted to my account, effectively canceling out the credits. When I called customer service again, I was then informed that I had had 48 hours to bring my account to zero or a positive balance or the overdrafts would be reapplied to my account. I told the man I was speaking to that I had not been informed of this. His response was that that is how it works. 

I dont know when this change occurred, I was not given adequate information, and I feel that {$36.00} overdrafts are far too exorbitant. I now have 7 {$36.00} overdrafts charged to my account and two {$36.00} credits which are useless. My account is currently - {$230.00}, which is roughly half of my paycheck.
Product: Mortgage

We were required to purchase PMI at ten time we got our mortgage in XX/XX/XXXX. At that time our home appraised for {$270000.00}. The current principal balance on our home is {$200000.00}. As we understand, PMI should have been removed automatically when the LTV reached 78 % of the original appraised value. After noticing that the bank did not remove our PMI, even after the principal fell below 210,000, we filled out the banks request form to remove the PMI and emailed it as instructed on XX/XX/XXXX. We have received no response. 

We have never missed or been late on a single payment.
Product: Debt collection

I was with COVID and the Pandemic make me lose my job and I need to dispute this charges
Product: Debt collection

XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.
Product: Mortgage

Problem 1 : We had just gotten the escrow tax line corrected with Home Point ( HPF ) earlier this year in XXXX after 3 emails and multiple phone calls to HPF and with the transfer of servicing by HPF to XXXX XXXX in XXXX, the XXXX isd tax line has been set up twice again. HPF has one line set up correctly and a second duplicate line that needs to be deleted. I called 2 weeks ago and requested correction but it is still there. This is further pain since HPF double paid my school taxes XX/XX/XXXX and it took them 3 months to refund the money back to my escrow account and delete the duplicate tax line and now here we go again with the same error showing up after the transfer! I have emailed HPF and called and spoken with both HPF and XXXX XXXX team members trying to resolve this post transfer error. 

Problem 2 : I switched insurance from XX/XX/XXXX to XXXX XX/XX/XXXX and I provided HPF with a fully paid 12 month policy from XXXX as did XXXX. I had paid XXXX for the full amount for a 12 month policy from my checking account when i bought the policy in XX/XX/XXXX effective XX/XX/XXXX. Now HPF has paid XXXX another full 12 months premium on XX/XX/XXXX from my escrow account that was not needed/due. 

My 3 requests : 1 ) Put the $ back into my escrow account HPF paid out to XXXX that was not due. 

2 ) remove the XXXX isd duplicate tax line from my escrow account. 

3 ) run a new escrow analysis after these 2 corrections above have been made and then lower my monthly mortgage payment before XX/XX/XXXX payment is due. 

My mortgage payment should be almost {$150.00} per month lower than HPF is charging me due to over escrow on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Banana Republic credit card from Synchronicity bank with a {$500.00}. dollar credit limit. I had a balance of under {$200.00}. and attempted to pay my balance off by phone over 6 times. Then they closed my account after many late fees and interest and reported my account to the credit agencies.

Now I am unable to get a Care Card for medical expenses due to their unfair practices. I was happy to pay the balance but have since charged off the account during the sars-cov2 pandemic. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXX XXXXXXXX **** Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my reporT 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

Southern Financial System, a collection agency that is handling my account. 
The events in question are outlined below : Timeline of Events : - XX/XX/XXXX  : I received a summons to appear in court. This was the first and only attempt made by Southern Financial System to collect on my account.

XXXX XXXX, XXXX   : I learned that Southern Financial System received my account in XX/XX/, and it was held for six months without any attempts to collect. 

Violations and Concerns : 3. Fair Debt Collection Practices Act ( FDCPA ) Violation : The initial communication I received was a summons to appear in court, a direct violation of the FDCPA. 

4. Hospital 's Collection Procedure Violation : Southern Financial System 's actions also contravene the hospital 's collection procedure, which says attempts to collect in full or set up payment arrangements on the account. I was never given an opportunity to set up a payment arrangement. 

5. Lack of Collaborative Approach : It is evident that the primary focus of Southern Financial System appears to be pursuing legal judgments rather than working collaboratively with patients to resolve accounts. 

XXXX. Unprofessional Conduct of XXXX ( XXXX ) : During my attempts to address these issues with XXXX, the owner, I encountered extreme rudeness and unprofessional behavior. She refused to provide a copy of the collection policy when requested, declined to answer questions, hung up on me twice, and took over calls when others attempted to convey information about their attempts to collect on my account. Her response was dismissive, stating, " It does not matter because you owe it. ''.
Product: Credit reporting or other personal consumer reports

Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from Bank of America personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from Bank of America that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #
Product: Credit reporting or other personal consumer reports

Once again XXXX XXXX with XXXX XXXX refuses to update the balance on a timely basis which is over 30 days. 
XXXX XXXX is showing {$640.00} and they still show it at XXXX which is double what I owe and is effecting us applying for a home loan. 
Please update this and I plan to close it after its paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/19 ..I discovered that their was a new debt collection on my credit it said that it opened XX/XX/2019 & it went to collection XX/XX/2019..so I contacted this creditor & after being transferred to multiple departments & giving different numbers to call, no one could find any information that I owed anything! Because I do not ..this is fraudulent & I want it removed immediately! They could not give me any information, they said they didn't have any to give so I asked why is this showing as a collection XX/XX/19? So they directed me to their fraud department. I want to get to the bottom of this & resolve!
Product: Debt collection

I AM A VICTIM OF IDENITY THEFT. I AM A XXXX XXXX. MY INFORMATION WAS COMPROMISED BY A DATA BREACH A FEW YEARS BACK AND SOMEHOW THEY GOT AHOLD OF MY INFORMATION WITHOUT MY CONSENT.
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Chase bank is refusing to endorse a check from the insurance company. There are two separate claims from rain and hail damage and they are combining them as one claim which is over a certain amount to endorse the check! I can not make repairs unless I have the funds!
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX VERVENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not  appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious VERVENT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Good Morning! - How are you during Covid-19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before (  PORTFOLIO XXXX balance for {$420.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I have a savings/checking account with Truist Bank XXXX formerly BB & T ). They began charging maintenance fees on my account because the minimal balance requirement changed after the recent merger ( I have had opened the account in Texas under BB & T where the requirement was lower ). That is the first issue. 

2nd issue is that I want to close the account. But the bank insists that I have to physically visit their branch to close the account. I currently live in XXXX MA. Their closest branch is somewhere in the south like XXXX Georgia. It is highly unreasonable to expect me to take an airplane just to close the bank account. 

What can I do in this situation? Can I just take the money out thru an online transaction and ignore the account left with zero balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Fair collections and outsourcing, added a derogatory mark on my crredit report per XXXX XXXX, upon further research, this account was transferred /sold and iam no longer responsible for the account.Debtors creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, aFair collections and outsourcing has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.