23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX - XXXX and their subsidiary XXXX XXXX - XXXX saw me on XX/XX/XXXX and XX/XX/XXXX respectively for medical issues that ultimately ended with a diagnosis and discharge from the hospital. I was never sent a bill and never informed in their payment/patient information portal My Chart that anything was owed. The injuries that led to the stay were the fault of another driver and a document sending them to XXXX was given to hospital staff at their request during my stay. Almost two years later on XX/XX/XXXX I received two letters from Works & Lentz , Inc, a debt collector saying I owed {$310.00} to XXXX and {$19000.00} to XXXX XXXX. It was sent to an old address but was forwarded to us and it was marked with what appears to be a very wrong and jumbled spelling of my name so my legal name is also not on any of the documentation.
Product: Debt collection

You have illegally been calling my job since XXXX. I have not authorized you to call me at my job or does my company allow it. My company has keep all the records of your phone calls. I will take legal action if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 97 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Fair Credit Reporting Act ( FCRA ) Violation AFFIRM INC Account Dear CFPB, I am writing to formally request your assistance in resolving a dispute regarding my AFFIRM INC account, as listed on my credit report. Despite my efforts to resolve this matter with the credit reporting agency and AFFIRM INC, the issue remains unresolved, and I believe my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, have been violated. 

Background : The AFFIRM INC account ( # XXXX  ) appears on my credit report with the following details : Original balance : {$250.00} Current balance : {$250.00} ( as of XX/XX/XXXXXXXX  ) Status : Account charged off as of XX/XX/XXXXXXXX  ; {$250.00} past due as of XX/XX/XXXX Payment history : Reflects consistent charge-offs from XX/XX/XXXXXXXX  to XX/XX/XXXX I disputed this account because [ state your reason for disputing, e.g., the account is inaccurate, the balance is incorrect, or the account does not belong to me ]. The credit reporting agency confirmed that the item remained unchanged after reinvestigation in XX/XX/XXXX. 

Details of the Alleged Violation : 1. AFFIRM INC and/or the credit reporting agency have failed to provide sufficient evidence to substantiate the accuracy of this account under 15 U.S.C. 1681i.

2. The continued reporting of this disputed account without proper reinvestigation violates FCRA guidelines, specifically 15 U.S.C. 1681s-2 ( b ).
Product: Mortgage

My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX
Product: Debt collection

Due to personal circumstances, I missed XXXX payment on my credit card in XXXX of XXXX, resulting in a late fee, which then resulted in an over-the-limit fee. Thereafter I continued making minimum payments for an additional 6 months. However, these payments did n't affect the balance on the card due to being continually charged an over-the-limit fee. I tried speaking to the credit card company, but not only did the person I spoke to have very broken english, they also refused my requests to cancel or freeze the account to stop the continued rising of the bill, regardless of payments being made. 
The only way to stop this from happening to the best of my knowledge at the time, was to stop making payments. Which I stopped making in XXXX of XXXX. I was then put into default. 

I originally signed up with XXXX as the credit card provider in late XXXX, then the creditor was sold to Capitol One, and terms drastically changed and so did customer service. My card was reported stolen in XXXX of XXXX, so XXXX different accounts are represented via my credit report, however they are the same account. I also had 70 months of continuous on time payments with this credit card, with XXXX 30 day late, then another XXXX payments after. 

With the company changing hands, I believe the fair service went with it. Due to this I was at a loss as to how to handle this situation with this company, and only today becoming aware about the ability to file this claim. 

I 'm also initiating this because of a judgment issued to me in what I believe is XXXX XXXX, shown via an online credit reporting website. I was never notified of this action or pending court date. I only became aware of this situation after I was given a letter by a seasonal employer, XXXX, which stated they would start to garnish my wages. I am no longer employed with this company, as this was seasonal work, and no garnishments were made. I then went to both credit reporting websites ; XXXX XXXX, and XXXX, in an attempt to find out what is happening. Both sites show that there was a default judgment in the amount of {$1600.00}. My credit limit was {$1300.00}.
Product: Credit card or prepaid card

I have banked with Capital One for a very long time. I haven't file a dispute in all the years I've been with them. I submitted documentation for a botched car repair and they refuse to refund me the amount spent with the company. I took the car in for a second opinion and paid another {$730.00} and they said it is not enough information to resolve my dispute when my car was having the same issue when I paid for it to get fixed the first time. I refuse to take this charge. I trusted the credit card company to solve any valid disputes I may have, that's why I use my credit card. I trusted the repair shop and now I'm out of over XXXX dollars. The credit card company basically told me they are not siding with me and I have to resolve the dispute with the merchant but he is not willing to solve the issue especially after me getting my car fixed elsewhere. This is so unacceptable and I need a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.
Product: Debt collection

With Navy Federal being reported as bad debt on my credit, I have reached out several times for forgiveness and set up a payment plan and as promise to pay, I have not gotten any help as promised and have been giving me the run around with getting through different departments because they are unable to help. I have been so determined and focused on bettering my life and trying to have good credit but navy federal has made it so hard for me. They refuse to help me in any kind of way, have sent out several emails seeing if there are options but I always get denied for any type of help and neglected. I would like for them to come to an agreement with me so I can have the debt removed from my credit. Understanding I have a future, a family and a life which all depends on my credit. I have been desperately trying to reach for help but nobody seems to be able to do anything for me but constantly and easily reporting to my credit as bad debt. Nobody seems to be able to help after getting transferred through so many departments and Navy Federal is reporting this false debt using a address I never lived at and has updated my new address with them but after doing a deletion for address with bureau, they are unable to remove from my credit report because it shows navy is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Opened XX/XX/2017 Amount {$1600.00} Account was not opened by me. Account was opened by family without my knowledge or approval
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX I received a voicemail call where Monterey Financial did not provide the message about being a debt collector and an attempt to collect a debt. I since then received repeated calls and voice mails from an automated system on my cell phone.
Product: Credit card or prepaid card

XX/XX/XXXX : Opened a Southwest Rapid Rewards Priority Card ( Visa Credit Card, info at : https : //creditcards.chase.com/southwest/priority-credit-card ) through Chase. I was explicitly told both verbally and in written words, that the card would be received in the mail within 2 weeks. I applied for this card because I wished to take advantage of the XXXX bonus miles deal, in which the Terms & Agreement stated that {$2000.00} must be spent within 3 months. 

Unsure of Date, but before XX/XX/XXXX : I did not receive the credit card in the mail and requested it to be sent again. 

XX/XX/XXXX : Still did not receive credit card and called the customer service asking when it will be received. Asked for an extension to the 3 month spending term, seeing as it has been over one month and the bank failed to honor their agreement of sending the card in priority mail within 2 weeks. 

XX/XX/XXXX : Still did not receive credit card. Called customer service again, they said my card will be received at an unspecified date. Still refused to extent the 3 month spending term even though at this point, 38 days ( or over 5 weeks ) have passed. 

This is a deceptive practice. They state that they can not extend my promotion period of 3 months due to the Terms & Agreements. However, they refuse to acknowledge that the Terms & Agreements also states that my card will come in most likely in 3-5 business days, and 2 weeks at the latest. Yet it has been over 5 weeks and I have no received the card. Now I am still expected to make the {$2000.00} with significantly less than 3 months, as initially outlined within the Terms & Agreements.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Checking or savings account

Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.
Product: Debt collection

I am formally notifying you that if corrective actions are not taken within XXXX days, I will file a complaint with the Federal Trade Commission ( FTC ) regarding your company 's non-compliance with federal law. You are obligated to respond within XXXX days, and failure to do so XXXX result in fines of up to {$1000.00}. Please provide the investigation procedures for the following accounts within XXXX days to avoid further escalation : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked this company to very the debt with a dispute letter sent on XX/XX/XXXX of this year as this is not owed. They have not responded and I would like this entry on my XXXX credit report deleted.
Product: Credit reporting or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Prepaid card

I have had a Vanilla Prepaid Visa Giftcard ( XXXX XXXX XXXX XXXX that has been frozen since XX/XX/XXXX. It has a remaining balance of {$460.00}, but I am unable to access the funds. I first contacted Vanilla via phone on XX/XX/XXXX and they told me they froze the card because they were worried the card number was leaked and that I need to email them ( at XXXX ) : a bank account statement, receipt of prepaid card purchase, and drivers license. I sent over all those documents the same day including the case number I was given : XXXX. I have heard nothing back even though they told me it would only be a couple days to hear a response. I then called again on XX/XX/XXXX to inquire on why I haven't heard anything back and they said my case was still open, even though I was told a replacement card should be given within days of me providing the verification documents. The customer service agent reassured me it would only be 2-3 more days. I followed up to my first document email after that call on XX/XX/XXXX, providing a higher resolution image of my receipt. I still haven't heard anything back and would like to have a replacement issued so I can use the {$460.00} that I rightfully have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

Am having a Problem with M & T Bank with a Transaction i did not Authorize for the amount {$270.00} from XXXX XX/XX/2021 i lost my debit card XX/XX/2021 from my checking account ending : XXXX Please help me with this i open a claim with M & T bank claim number : XXXX Please help me with this i never did anything with this Company XXXX and never used my card to buy anything from this company
Product: Debt collection

I am writing to follow up on the open case [ XXXX ] that I have filed against Chase Bank , which pertains to alleged debt collection activities. The following accounts in question are : XXXX XXXX, XXXX & XXXX. It has come to my attention that Chase Bank has failed to comply with legal requirements and continues to engage in harassing and improper debt collection practices, despite my prior complaint and your intervention in this matter. 

As previously communicated, I have been inundated with an incessant stream of illegible documents from Chase Bank, none of which substantiate their claim that the alleged debt is indeed mine. Moreover, Chase Bank has not adhered to the established legal standards by failing to provide clear and valid documentation supporting their claim.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors are required to provide consumers with clear and concise verification of the debt 's validity upon request. To date, Chase Bank has not met this fundamental obligation. The documentation they have provided remains ambiguous, leaving me in a state of uncertainty regarding the legitimacy of the debt in question. 

Additionally, I have received a generic letter from Chase Bank asserting that I did not provide sufficient information for them to initiate an investigation into this matter. This assertion is both misleading and inaccurate, as I have provided all necessary information required under the FDCPA and your agency 's guidelines. It is clear that Chase Bank is attempting to obfuscate their non-compliance with the law and evade their responsibility in resolving this dispute. 

Chase Bank 's actions in this matter not only constitute a breach of the FDCPA but also demonstrate a disregard for the principles of good faith and fair dealing, which are foundational in contractual relationships. Pursuant to the FDCPA and other relevant consumer protection laws, consumers are entitled to fair, transparent, and honest treatment during the debt collection process, which Chase Bank has flagrantly violated. 

I have attached the correspondences received from Chase Bank, which clearly illustrate their unwillingness to cooperate in good faith. I urge the Consumer Financial Protection Bureau to take swift and decisive action to compel Chase Bank to adhere to the law and fulfill their obligations under the FDCPA. 

In light of Chase Bank 's continued harassment, lack of compliance with legal requirements, and their failure to provide clear evidence substantiating the debt 's validity, I request that the Consumer Financial Protection Bureau take all necessary measures to ensure that Chase Bank promptly ceases its improper debt collection activities and initiates a thorough and legitimate investigation into this matter. 

I appreciate your prompt attention to this serious matter and trust that the Consumer Financial Protection Bureau will uphold its mandate to protect consumers from abusive and unfair debt collection practices. Please keep me informed of any developments in this case and the actions taken by your agency.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/XXXX  ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Numerous of occasions my money disappeared with no transaction details
Product: Mortgage

My bank is wells fargo. I feel like they are setting me up to fail. I am in short sale process. I have complied with all requested information. They said I have 90 days to get a contract for sale or they will forclose. I worked with an agent. I got an offer on home that is XXXX dollars under what I owe. With colsing cost it will be about XXXX short. Were I live there are about XXXX homes for sale and only XXXX buyers. I submitted offer and they are telling me and my agent that we can not talk to loan short sale processor. I have to go through a liquidation advisor who never returns my call. When he does not return calls I have to talk with someone in the central pool. Now they are telling me that they have 90 days to respond to offer but if I do n't get the bank to sign off on this deal by end of the week the buyer will walk away. It is a very fair offer and I will most likely not get another. While I am trying to get this offer approved they are progressing with foreclosure and one department does not know what the other is doing. I have to move out of home in a month. I will not be able to keep utilities on. XXXX will adversely effect the house if I shut off utilities. They are making it impossible for me and feel that they are pressuring me to just sign home back to bank. Please help
Product: Debt collection

TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS