23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against National Credit System regarding their actions concerning account number XXXX The collection agency has egregiously violated my rights as a consumer under the regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). According to my understanding of the aforementioned regulations, National Credit System has failed to
adhere to the following : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This section stipulates the requirements for providing notice to consumers. National Credit System has not provided me with proper notification regarding the collection activities related to account number XXXX. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation outlines the specific information that should be included in the notice provided to consumers. National Credit System has not furnished me with the required information in the notification, depriving me of essential details regarding the debt in question. 

3. **12 CFR 1006.34 ( d ) ** : This section emphasizes the need for accuracy and integrity in debt collection practices. National Credit System 's actions have lacked transparency and accuracy, which is a clear violation of this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This provision safeguards consumers ' rights by ensuring that collection agencies provide proper notification before initiating collection efforts. National Credit System has failed to uphold this fundamental requirement.

I am hereby requesting that this account is deleted from my credit report.

Furthermore, if National Credit System believe that they have provided me with proper notification, I demand that they provide evidence in the form of a certified receipt with my signature acknowledging receipt of the notification.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and ensure that my consumer rights are upheld. Please keep me informed of any developments regarding this complaint.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Bank of the West made an error with my RV loan account for XX/XX/XXXX statement that was due XX/XX/XXXX. They claim that I missed that payment. I tried calling them dozen times at least only to get transfered from one customer rep to another then hung up on. So I tried to email them just to get a request to call. That don't work. So I mailed them a letter to their XXXX office as described on the back of my statement. Explaining their error along with a copy of my bank statement and a copy of the processed check that was posted to my checking account on XX/XX/XXXX. This was the XXXX of XX/XX/XXXX and by the first of XXXX I still have had no response or credit correction made to my account. So I mailed again the XXXX of XXXX all documents to the XXXX office and this time also their XXXX XXXX office where I make the payments. Still the XXXX of XXXX and no response or correction to my account. I am convinced by phone, email, and standard mail that if they just ignor me I will just go away and forget the whole thing! 
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Product: Consumer Loan

On XXXX XXXX, 2016 XXXX am, XXXX and Bridgecrest Acceptance caused a third party to remove the car I have financed with them from my property even though the account was current and in good standing. The company claims that because my first payment was delinquent, they have the right to repossess. Their claim is that I was in default of the finance contract. However, the formerly delinquent payment had been made on XXXX XXXX, a full week prior, along with any late and transaction fees when the company took the property ( car ) from my possession. 
It should be noted that I had been in contact with Bridgecrest ( XXXX ) with some regularaty as to the reason for the late payment. My view is that the company violated the contract we had and that they violated the law by removing the car from my property. 
Conversations with the redemption department have come to no acceptable resolution. I informed personnel that I would file a civil action against the CEO XXXX XXXX XXXX and president XXXX XXXX in order to have the court review the contract performance by both parties. Again, this suggestion resulted in no favorable outcome for me. The company has not indicated what action they will take next. I am left to assume they will proceed with typical repossession actions. The company stated they would be " unwinding '' the loan but that I would not receive my down payment or subsequent payment ( s ).
Product: Bank account or service

Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
Thank you! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor XXXX has violated my rights. 

15 " USC1681 Section 602 " States I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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: Debt collection

I am disputing unauthorized hard inquiries on my credit report. The bureaus have failed to provide proof of my written authorization under FCRA Section 604 ( b ). Please delete these inquiries immediately.
Product: Debt collection

Attention care department P.O XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Outstanding Balance on Loan GAP Insurance Coverage To Whom It May Concern, I am writing to formally dispute the outstanding balance on my auto loan for my XXXX XXXX XXXX, which was totaled in an accident caused by another driver. My vehicle had Guaranteed XXXX XXXX ( XXXX ) insurance coverage, which should have fully covered the remaining balance after my primary auto insurance payout. 

Details of the Loss and Payment Submission Vehicle : XXXX XXXX XXXX Loan Account Number : XXXX Accident Date : XX/XX/XXXX Insurance Settlement Paid : {$39000.00} Remaining Loan Balance : {$7000.00} ( covered by GAP ) GAP Coverage Provider : [ Kias GAP program or Third-Party GAP Provider ] Documents Submitted : Letter of Total Loss, Insurance Payment Proof, GAP Policy Despite submitting all required documentation and proof of total loss, XXXX has failed to honor the GAP coverage, leaving a balance that should have been cleared. Instead of resolving the matter appropriately, I have been informed that the loan was sold to a debt collection agency, which is unacceptable given that the XXXX policy explicitly covers the remaining balance. 

Request for Immediate Resolution I am formally requesting : The loan balance should be immediately closed, as the XXXX policy should have covered the remaining debt. 
Correction of any negative credit reporting associated with this issue. 
I am confirming in writing that the account has been resolved and that I no longer owe any balance. 
If XXXX has already sold this debt to a collection agency, I demand that the account be recalled and rectified per XXXX coverage guidelines. 
If this matter is not resolved within XXXX  days, I will be forced to escalate this dispute by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ). 
Contacting my state attorney generals office regarding potential consumer protection violations. 
Seeking legal counsel for potential claims under Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) if this negatively impacts my credit. 
I expect a prompt response confirming that this issue has been resolved. Please direct all correspondence to the email above or XXXX.
Product: Credit card or prepaid card

Add to Case No. : XXXX I finally was able to speak with XXXX XXXX @ Discovercard, Senior Associate, Executive Office of Customer Advocacy today and with no further resolution. He has no way of providing me with proof of my consent for the Payment Protection Fees which he shows was added to my account on XX/XX/XXXX. Their policy is to refund the last 6 months of fees charged to me, which has been done. XXXX XXXX has access and will be mailing me my statements from XX/XX/XXXX ( the earliest he has access to ). He does n't know how much I have paid in fees, but by my calculation, this is over $ 10k just in fees that I never consented to. Right now, I am getting no where, other than to contact an attorney, but an attorney would probably cost more that the fees I already paid. I was researching again on the best course of action and see that there was a Class Action Lawsuit against Discovercard back in 4th Quarter XX/XX/XXXX. Why was n't I notified of this lawsuit? How did one get notified? I reviewed the links and the last to be added to this lawsuit was 1Q XX/XX/XXXX. I am so frustrated. CFPB already took action against Discover, but I was not part of the notification process. I 've lived at my address since XX/XX/XXXX and have had forwarding orders when I had a XXXX XXXX while working in downtown XXXX XXXX, so I should have been included. My debt with this card would be zero if not for these " Payment Protection Fees ''. At this point, I really do n't know what to do. I called your number to ask for further assistance and was notified to seek an attorney. When I research that, I find there was already this lawsuit that would have taken care of these arbitrary fees.
Product: Credit card or prepaid card

I had received an email at XXXX as that's what they have on file in regards to them supposedly just deciding to give me a credit of XXXX when XXXX was the problem... they said it would appear on the next statement but the statement started now. I'm not sure how I can get my rewards statement credit faster than this credit... are they saying it's going to take another month I mean XXXX could have given faster if that's the case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX Balance {$660.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Amerifinancial solutions have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed, false reporting collecting on behalf of another collection company and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Amerifinancial solutions. Amerifinancial solutions does not have a certificate of Authority to do business in Alabama. Amerifinancial solutions have not sent me a dunning letter but they have put a fraudulent account on my credit report.Amerifinancial solutions do not have the authority to collect any money from me.Amerifinancial solutions is guilty of racketeering, forgery, and obstruction of justice.Amerifinancial solutions is in violation of the FDCPA and FCRA Violation of XXXX XXXX XXXX ( XXXX ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
Product: Money transfer, virtual currency, or money service

Every month a XXXX XXXX wires money here to my XXXX XXXX account XXXX of XXXX XXXX, TX. It has been done for many years on the XXXX of each month, arriving generally in my US account around the XXXX of the month. Redacting this we are now the XXXX of the month and nothing yet. Did contacted the XXXXXXXX XXXX XXXX and they went through the process to see of any errors, but nothing. 
Have to inform you that International wire transfers to XXXX XXXX have to go through MELLON Bank in NY. Never did I have any issue with the Bank wire transfer. 
I need that money urgently because I have huge medical bills following XXXX XXXX XXXX, XXXX, and now XXXX XXXXXXXX XXXX. 
Sincerely, XXXX XXXX
Product: Mortgage

In the XXXX 2024 timeframe, my loan servicer adjusted my payment amount due to escrow forecasting. This increase was sent to me via US Mail. My statement and this notice were over a month late. Flagstar issued a late fee, eventhough I had paid my mortgage on time. They say that since they changed the escrow amount, it was considered late. I obviously paid the normal amount of my mortgage as I have not received the notice or statements and I use auto bill pay. After arguing with Flagstar, they agreed to waive the fee. and then they sold/transferred my mortgage to a new servicer called XXXX XXXX. in XXXX of 2024. I just received my first payment request from XXXX XXXX and it included a late fee. 

I contacted XXXX XXXX as I had just been transferred to them. They told me that the fee came over from Flagstar and i had to deal with them. I contacted Flagstar today and they said they could do nothing as they no longer service my loan, but they would file a complaint about XXXX XXXX having me call flagstar. Why, I do not know. I provided flagstar the email address provided by XXXX XXXX where XXXX XXXX staff indicated that they just had to indicate that the fee was previously waived. Flagstar said they couldnt do anything and it is out of their hands as i am no longer serviced by them. 

XXXX XXXX documents state they will report it to a credit bureau after 60 days.
Product: Student loan

A private loan was secured with Navient during my XXXX  education as I was not able to apply and receive any federal loan loans to get my education during an intro to XXXX  semester. During 2008 during a period of significant economic inflation, I was forced to take a XXXX  loan That had to sustain my student lifestyle while I waited opportunities for XXXX  per the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX  9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. 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

received multiple mailings with official bank of america logo stating i had applied for a cc when i did not i actually then did receive the actual card and i called to close it immediately i never had nor currently have had a BOA account i suspect cc fraud/scam BOA gave me a separate phone number to call with a case number and they will mail me a copy of the " application '' that was never authorized
Product: Debt collection

I do not owe this debt. I paid the rental company and they still put fees on my account. It wad during the pandemic. I was sick with XXXX. I could move right away. The office said I could break my lease due to some shooting happened there. The bullet went through the apartments. Then six months prior they were notified by me that this person had a gun. Nothing was done about it. Until he shot through the apartments. I would like this debt removed from my credit report. Thank you.
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 XXXX ), and account XXXX ( XXXX XXXX XXXX ) have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Sectuib 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 Dept of EdXXXX {$18000.00} XXXX Dept of Ed/XXXX {$2900.00} XXXX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX I call Experian credit Breau to file a complaint about one of my credit cards that was reporting as paid closed from XX/XX/XXXX until XX/XX/XXXX. After the first call Experian changed the months to pay on time, account closed. This is wrong because the account is open. After calling them on three different times they are only putting my current balance on my credit report and closed. I was told that if it was current and open that the points for paying on time would be updated on my credit report. Each time they close the investigation it is still reporting closed. After the first update to my credit report with a balance my housing credit score dropped XXXX points. I am seeking to have the points from XX/XX/XXXX through XX/XX/XXXX correctly added to my credit score. Also correct the points that was taken from me by reporting inaccurate information. My XXXX, XXXX credit reports are correct. I believe that they are just going to keep the wrong decision without actually investigating with the credit card company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ma
y make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Mortgage

My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.