23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received a collection letter from BCA Financial Services, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The letter stated I could respond by email before XX/XX/year>. 

On XX/XX/year>, I emailed BCA Financial Services requesting validation of the debt. In my communication, I explicitly stated that I wished to be contacted only via email going forward. 

On XX/XX/year>, BCA Financial Services replied via email but failed to provide full debt validation and everything i requested. Instead, they only sent a ledger and asked me to make a payment. This response did not satisfy my request for proper validation of the debt. 

Despite my request for email-only communication, BCA Financial Services called me on XX/XX/year>. This call directly violated my stated preference and potentially the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Whom this may concern, I dont know what kind of company you are, but I put in complaints against Experian because I can not get to a live person. I have a right to talk to someone live not a machine. The machine will not let me get to live person. I am a consumers with a big, thats why I come to you. I put a complaint in on XX/XX/XXXX. The complaint number was XXXX. I never asked Experian to send me a credit report they credit report today meanwhile, my complaint have not been cleared, and I still can not talk to a live person. Thats why I come to you is the only credit bureau that you can not talk to a live person. The only person you could talk to is XXXX XXXX  and XXXX XXXX dont understand what XXXX saying I need answers and I know I have those answers now Im coming to you with my complaint again, and I like to know what are you gon na do just forward the complaint and leave it there and my problem have not got resolved I have I supposed to have companies being hacked into and company sending me letters and this wont put a life person on the phone for me to talk about the letter that I received and XXXX of them was XXXX XXXX XXXX  and I have to talk to them about the letter I received from XXXX XXXX XXXX about my credit I didnt ask him to send me a credit report that was not my complaint so I like to know what youre gon na do. Whats the next step who do I go to besides you file a complaint against Experian
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged by XXXX XXXX for {$3000.00} The services to be rendered was to provide businesses that were actively looking for financing. Leads that were not valid had a return policy with no contract and claims of easy cancellation. The {$3000.00} was prepaying for leads not yet received. Very quickly I realized that the leads were fake and the company had a reputation for selling bad data and bad leads. I immediately sent emails and called the company to cancel our account and discontinue receiving leads. The company either didn't respond or continued to pass me to different departments or people that I needed to speak with. Ultimately as I continued to call the phone number for the company was disconnected and felt there was no other avenue to cancel other than through the credit card ( Chase XXXX ). I began my dispute with Chase. I had several calls back and forth with Chase going as far as three-way conferencing XXXX to show that the phone number was disconnected. They assured me this was a very simple matter and that it would be resolved quickly. On XX/XX/XXXX I received the first official written response from Chase that XXXX claimed that the charge was valid and that I had never canceled the service. The supporting document that Chase sent to me that I have copies of are completely illegible. On that letter that was dated XX/XX/XXXX they gave me a deadline to respond by XX/XX/XXXX which is obviously impossible as the date of the letter was after the deadline. I called Chase again and express my worry that the date of the letter and the date of the deadline didn't match up, and that the supporting documents that XXXX had provided was completely unreadable, and had no way of responding as I did not know what it was that was sent. I was told that they were handling it and not to worry about the mismatching dates. On XX/XX/XXXX I received a letter stating that they had completed research of the dispute and ruled in favor of XXXX. The provided documents did not have any logical response to the fact that I was not able to cancel as I was not able to reach anyone by email or phone through repeated attempts. I called Chase who told me that this was normal and that I simply needed to fax them a letter stating that I would like to reopen the dispute. I did so immediately. On XX/XX/XXXX I received a letter stating that because the original charge was too old they had closed the case and there was nothing I could do about it. I am not after repeated attempts with Chase to get further explanation on the timeline and mistakes contacting the CFPB to help with the issue.
Product: Credit reporting or other personal consumer reports

I submitted this information originally on XX/XX/XXXX. I am disputing the charges of {$470.00} charged to my account TWICE by the merchant ( XXXX ). I canceled my credit card with XXXX XXXX because clearly there is no oversight ( security ) of charges on their credit cards. It is proven merchants have the authority to charge whatever they choose without input from the cardholder. 
I rented the XXXX on XXXX XX/XX/XXXX and returned it and placed the key in THEIR secure lock box on XXXX XX/XX/XXXX. I was informed by an employee of the agency ( third party XXXX ) that they dont always check in the vehicles daily ( how fortunate for them, they get to charge customers more whenever they decide to check the vehicle in ). 
The problem I have is that I am being charged for five days, using prior authorization because they did not have my credit card, which means I was not in the store five days later!!! XXXX XXXX is on a XXXX versus a weekend, I would have been in the store to return the vehicle and would have BEEN AWARE that I was being charged an additional {$470.00} for the vehicle. 
It is apparent to me that this location practices overcharging their customers because they even charged 4 small fees prior to making the additional {$470.00} charge and XXXX XXXXXXXX never questioned it or notified me!!! The XXXX was actually charged to my account several times. 
XX/XX/XXXX U-Haul {$3.00} XX/XX/XXXX XXXX  {$2.00} XX/XX/XXXX XXXX {$2.00} XX/XX/XXXX XXXX {$2.00} As a result, I have requested my account be closed. It is clear to me XXXX XXXX does not have my best interest in mind. You are more interested in ensuring the charges apply. 
I will pay every XXXX that I made on this card and not XXXX cent I didnt.
Product: Mortgage

This is a follow up complaint to a response on Case # XXXX where Select Portfolio Services virtually admitted to violating RESPA regulations : First, they freely admit that XXXX XXXX ( the mortgage holder before loan was transferred to them ) paid off XXXX. In addition to the fact that this was done without my knowledge or permission, the fact remains that this was in fact a cashout/debt consolidation loan because it paid off MY account with XXXX. 
In the same response they say they are going to defy RESPA in refusing to rescind my loan. 
All of the other garbage they are throwing in, such as the state of my what they call delinquency are irrelevant to the issue ; why do they think I 'm not paying them?
Product: Credit reporting or other personal consumer reports

I submitted a written dispute to XXXX Associates regarding account number XXXX, which they received on XX/XX/year>. It has now been over XXXX days, and I have not received any response from them regarding my dispute. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), debt collectors are required to investigate disputes and respond in a timely manner. Since XXXX XXXX has failed to do so, I am requesting that this account be deleted from my records immediately due to their non-compliance. 

Please ensure that XXXX XXXX follows the law and removes this account from my credit report. Thank you.
Product: Vehicle loan or lease

This loan is regarding the class action law suit against XXXX XXXX I bought a used vehicle from XXXX and they used credit acceptance as there finance company and I believe that they knowingly used this financial company without regards to the comsumers and credit acceptance unethical dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but XXXX   continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GM FINANCIAL  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Capital One credit card was paid off on XX/XX/2021. When I checked my balance, after it was paid, it showed a {$0.00}, balance with {$0.00}, due. 

Today I received an email stating that I owed {$23.00}. When I called Capital One, I was ultimately told that they would not remove the balance because it was " interest. '' When I asked why my balance went from {$0.00}, to {$23.00}, when I had made no charges on the card, they said it was " daily interest '' and it would NOT be removed. 

When a statement is sent out to a customer, and paid in full, it's unfair and not right that additional interest is charged. I know it's only {$23.00}, and it's not the money, it's the principle of the matter. I took my time to call in, and was treated very unfairly. I've been a Capital One customer for a number of years and DO NOT appreciate the way I was treated on the telephone. I want the charges reversed for this alleged " interest. ''
Product: Debt collection

Date was XX/XX/2023 I was called by- phone number XXXX - mortgage loan Servicing- mr cooper stating they would raise my escrow mortgage payment by almost XXXX XXXXXXXX XXXX because they stated they had to place forced placed home owners insurance on my mortgage. My premium is now {$4200.00XXXX XXXX XXXX XXXX XXXX Policy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Annual Amount : {$4200.00} There website was down for an extended period of time in XXXX and XXXX of XXXX so I had to mail my mortgage payment to them. 

As I write this there website just went down again " error ( XXXX ) ''. 

My payment was {$970.00} and now they 'mrcooper tells me it will be {$1500.00} plus dollars but again there website is not working properly, it took them over a year to dispense my first insurance check which is why I was unable to complete the necessary repairs on My home and therefore unable to purchase a new home insurance policy in which they then " force place insurance '' on me. I have yet to receive the full insurance payout they owe me as they only paid sixty-five percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called Capital One and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said Capital One requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Product: Credit card or prepaid card

We are still struggling from the after-effects of the financial crises from 2008, during which we were forced to declare bankruptcy. 

Currently we are working to renegotiate our debt through XXXX XXXX XXXX ( so that we don't have to declare bankruptcy ). 

We have an account with American Express ( XXXX ) that is enrolled in the debt relief program. I believe that AMEX is aware of the fact that we are actively working to renegotiate our debt through XXXX. AMEX has been calling us several times a day -- and we have been ignoring the calls as advised by XXXX. 

However, now AMEX is starting to harass our family. They have called my mom ( God only knows how they got her phone number ), my wife 's mom and dad, my wife 's brother -- both on land lines and on their cell phones
Product: Debt collection

My complaint is that I have an invoice that states one amount of a collection account and XXXX XXXX is reporting a different amount of {$170.00} to XXXX. I 'm disputing the entire account due to incorrect balance. I have attached the invoice that came from XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 vears.

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: Checking or savings account

my Bank of America checking account was hacked and my debit card was fraudulently used to pay for XXXX XXXXXXXX XXXX for the 2nd time the first incident was on XX/XX/XXXX in the amount of {$9.00} plus an international fee of {$0.00} which took Bank of America approximately 5 day 's to refund the charges however this claim is still under review and not resolved now the second incident was on XX/XX/XXXX by the same merchant XXXX XXXX XXXX  in the amount of {$19.00} plus an international fee of {$0.00} on this transaction it has caused my account to become over drawn at this time. Bank of America has charged me an overdraft fee of {$35.00} which they are refusing to reverse this erroneous fee but has refunded one of the fraudulent charges of {$19.00} which still has my checking account over drawn.
Product: Credit reporting or other personal consumer reports

Dear JEFFERSON CAPITAL SYST I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Doneingoodfaith.
Product: Checking or savings account

Since 2010, I had/have checking accounts with XXXX XXXXPacific Premiere Bank. I can not access my accounts online and it blocks me " each and every week ''. If I am unable to access my accounts, then I can not realize, if the balances are low. With its predatory practice, bank quick returns checks and collect NSF fees after NSF fees, while it is their fault that I can not access my accounts online. This is the only bank that I have problem with. I have told them about this problem for about last 2 years. It was mitigated that I was able to go to branch and find out my balance. Now with COVID-19, I can not /will not go the branch. So the first problem is access to my accounts online. Second problem is that my interest calculation by the bank is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is XXXX. This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, snd XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Prepaid card

My daughter was given an {$20.00} AmEx gift card for her birthday. Unfortunately every place that we have tried to use it has been declined. I tried contact their toll free number but was disconnected. After searching online I see multiple XXXX posts with this same issue. If these cards are not able to be used in large stores like XXXX, XXXX or online retailers then they should no longer offer them. A purchase for XXXX was recently declined. It appears that their customer service just tell customers to try a different retailer which is ridiculous. Can we just get a refund for {$20.00} since we can't seem to use it anywhere. Below is a link to the subreddit where people have discussed similar problems. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove these accounts before I seek litigation for the defamation of character ) XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX balance {$700.00}, XXXX XXXX XXXX {$1300.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Update my credit as current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was current on all those months ; I provided with information in the past it's been almost 120 days with no resolution no actual proof of updating my account correctly instead you keep updating my account incorrectly. I need to update the current as soon as possible you are hurting credit report. 
Lastly, - Missing payments for the following months XX/XX/XXXX, XX/XX/XXXXXXXX  ( the following payments have no payment history ) Due to your mismanagement of my information. 

I request immediately update my payments as current never late.
Product: Checking or savings account

I bank with Wells Fargo and they charge {$12.00} for ISF. However, I have overdraft protection! Last time they did it was on XX/XX/2018. Isn't this the point of the protection? .To avoid this fee? 

In addition, they take MORE money that is needed. 

out of the savings acct to make the checking acct have a positive balance, then charge you. I called to resolve and they said, '' well normally we would charge you {$35.00} vs. 

{$12.00} to transfer funds if you didn't have this protection. ' '' Please advise. Thanks ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of XXXX XXXXXXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX  ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of 640+, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is 8 years ( husband was on bankruptcy ). Debt to income should be over be under 36 mine is under 34. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXXXXXX XXXX ( also XXXX XXXX  ) is the servicing bank for numerous lending institutions, when XXXX XXXX  denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.