23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted this agency and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws. Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : XXXXFederal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2
Product: Mortgage

XXXX/XXXX/XXXX We could not use the plumbing so we called the town. They then gave us a plumber named XXXX.He went outside and came in and told us that the plumbing was no good.Why give someone a loan and the house ai n't no count? I feel like we are being put somewhere and we ai n't getting nowhere.We have to give money out and we only been in this house 6 months.How you going to heat two bathrooms with a little water heater?
Product: Student loan

I submitted an XXXX payment request through the official XXXX website on XX/XX/2024. The request was intended to make the full payment due on XX/XX/2024 : {$480.00}. As of XX/XX/2024, MOHELA has not posted this payment to my account and customer support representatives can not provide any information as to the missing payment. A MOHELA representative created a research request to find the missing payment on XX/XX/2024. As of XX/XX/2024, no action has been taken on the research request. According to the XXXX website, MOHELA " accepted '' this payment on XX/XX/2024. However, this payment is not reflected on my MOHELA customer portal and the MOHELA representative was not aware of the payment. 

My XXXX payment has been processing for over XXXX weeks and I have no reason to be believe it will be processed in time to make the timely payment tomorrow, XX/XX/2024.
Product: Debt collection

Fair Collections & Outsourcing is reporting a debt in my name but has not provided a verification of debt letter as required upon request. They have failed to furnish a signed contract, addendum, or any supporting documentation related to agreements I have signed. Furthermore, they have not supplied any contract that may have been assigned.
Product: Debt collection

On XX/XX/XXXX I was admitted and discharged from XXXX XXXX, XXXX, Georgia. A few months after this I received a bill from XXXX XXXX for the amount of {$700.00}, which represents the amount of my care that was not covered by my health insurance provider. I contacted XXXX XXXX 's department of XXXX XXXX XXXX to establish a payment plan and verbally committed to a payment plan of {$55.00} per month until this matter was resolved. On XX/XX/XXXX I received a Payment Plan Installment Letter from XXXX XXXX XXXX XXXX XXXX listing the terms of my payment plan, reflecting the terms that were agreed upon over the phone, 13 payments of {$55.00} to resolve the balance of {$700.00}. This letter was signed by XXXX XXXX, a representative of XXXX XXXX XXXX XXXX XXXX. 

Since receiving this letter, I have made all payments required of me pursuant to the above referenced agreement. I have had my bank send checks to the address listed in the Payment Plan Installment Letter in the amount of {$55.00} and have not missed a single monthly payment. During this time period, XXXX XXXX XXXX XXXX XXXX has referred my account to a collection agency twice, resulting in severe deterioration of my personal credit score. XXXX XXXX XXXX has contacted me through mail multiple times requesting full payment of this account, despite my existing agreement with XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to explain I had an existing agreement with XXXX XXXX and they informed me that I would have to address this matter with XXXX XXXX XXXX XXXX XXXX. I spoke with them about this the first time my account was referred to collections and referenced my Payment Installment Letter. was assured by the manager of the department that the collections account reference would be withdrawn, that my original payment plan would be honored, and my account would not be referred to collections again. This month, I received notification that my account was referred to XXXX XXXX XXXX again and my credit score subsequently was negatively impacted by this. I called XXXX XXXX on XXXX XXXX, 2017 to address this and was told that they were unsure why my account had been referred to collections again and this would be reversed. While I am relieved that they agree my account should not be referred to collections, it is still cumbersome to continue having to address this issue after being told multiple times that it would not happen again and it is detrimental to me as a consumer to have derogatory remarks reflected in my credit score. 

Pursuant to the Fair Credit Reporting Act and Dodd-Frank Wall Street Reform and Consumer Protection Act, I believe that it is unethical and unfair for XXXX XXXX XXXX XXXX XXXX to continue to refer my account to collections agencies, resulting in negative marks on my credit profile and deterioration of my credit score. I have made all payments required of me through the XX/XX/XXXX Payment Installment Letter.
Product: Debt collection

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Checking or savings account

Chime closed my account and when I sent an email on XX/XX/2020 to ask why my account is closed, and how I could get my remaining funds, they send me the following reply : " At this time, for security reasons, Chime is unable to disclose further information about the closure of your account. ''
Product: Credit card or prepaid card

In XX/XX/2019 while I was on vacation out of my home state of California, I was the victim of credit card fraud on my Citibank credit card. I had vacation notifications set with Citibank, listing the places I was going.I was available by phone at all times. I charged my airline tickets, hotel reservations and rental car on the Citibank credit card. At no time while on vacation was I contacted about activity on my account in California while I was in South Dakota and surrounding area. When I finally was contacted later in XXXX, I disputed the fraud charges then I waited until XXXX to hear back from Citibank that I was liable for the fraud on my account because the charges were " chip enabled ''. I tried in vain to explain that, that was not correct, one charge, for example, was an online movie rental, impossible to charge by chip. They would not listen to reason. When I tried to contact Citibank I was told since the case was closed. They no longer would discuss it on the phone but I could submit further documentation by mail. I sent a series of both registered and regular mail letters and never received a response. I went to my local branch and was told they could not help me. I appealed to the bank manager who gave me a new phone number of a " supervisor '' named XXXX XXXX, in the fraud department. She listened to my story, told me that the decision was " set in stone '' but she would get back to me and I have never heard from her again. I contacted XXXX XXXX for assistance and they told me to file a police report which I did. This was submitted to Citibank. When I called to follow up with my case I was told they never received the police report. When I asked if they wanted me to resend it they said that wasn't necessary because their credit cards can not be duplicated. It was sent again anyway after the fax number was confirmed to be correct. I am now getting collection calls because I did not pay the fraudulent charges and my FICO score has been affected. I can not reach anyone who will look into the details of my case and see that it is impossible to make charges in 2 different states on the same day. Citibank only ever gave me one credit card which was in my possession at all times. Clearly it is possible to duplicate their  card because it happened. I need to get these charges and accrued interest reversed from my account. I am obviously not using the card any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts and 90 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 18 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries 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: Mortgage

In XX/XX/2018 I received approved paperwork for a mortgage loan modification through my lender, XXXX XXXX. First payment was scheduled for XX/XX/2018, which I made. Later in XXXX I received a statement ( that had been mailed to an old address ) from another company, XXXX XXXX, showing they were the mortgage lender and I was more than {$12000.00} in arrears. I have not received any further documents from them. I called XXXX 's customer service, and each time was told I had to talk with a loan officer named XXXX before anyone could help me. I have attempted for four months to contact XXXX, by phone and e-mail,. All I ever get is voice mail. I have been trying to find out why XXXX has incorrect loan data on my account, if in fact they now handle the mortgage. I have even sent them a copy of my modified loan contract. Still no success in talking to anyone there.
Product: Payday loan, title loan, or personal loan

We refinanced our home and got extra cash to pay off all other debts. We continued to pay while the work was in progress. The last statement says we were to receive a check for the amount left in the account of {$580.00}. We did not receive the check and have called several times. They said they would send it but never did. 
This is the third of three accounts that did the same thing. The other two were XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

Was contacted on XX/XX/XXXX about a debt to an apartment I allegedly owed ; asked them to send written statment of what the bill was for ; they refused stating they already sent one ;  asked which address as I provided a forwarding address to the apartment owners/original creditors ; collection agency provided wrong address ; continually used hostile verbiage to attempt to collect debt including threatening my credit and threatening my ex 's credit Was contacted again on XXXX with the same hostility ; advised them they were calling a number used for work and to not contact me during work hours between XXXX and XXXX Monday through Friday Was contacted on Monday XX/XX/XXXX at XXXX while driving and creditor attempted to convince my to pay debt while driving on the highway ; was called again at XXXX by same creditor ; again at XXXX by same number and again at XXXX by the same number, a total of four times ( as of this writing )
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries from microbilt corp.
Product: Credit card or prepaid card

Hi, My original Chase XXXX credit card has been automatically migrated to XXXX XXXX  XXXX XXXX on XX/XX/XXXX. 

The new XXXXXXXX XXXX XXXXXXXX XXXX has a benefit of spending XXXX to get a XXXX free night certificate within anniversary year. I have already spent {$14000.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX which exceeds XXXX spending requirement. 

I thought the anniversary year for the XXXX XXXX XXXXXXXX credit card should be on XX/XX/XXXX because I am having this new card on XX/XX/XXXX. As my understanding, I should be able to get a free night certificate if I spend XXXX from XX/XX/XXXX to XX/XX/XXXX. 

However, Chase says that my anniversary year is XX/XX/XXXX and I need to spend XXXX from XX/XX/XXXX to XX/XX/XXXX to get a free night certificate and I can get another free night certificate from XX/XX/XXXX to XX/XX/XXXX if I met the spending requirement. 

The wording is so confusing to me and Chase induces me to spend XXXX and not issue the certificate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I even tried to do the class action lawsuit for Block , Inc for these same issues that was sent to my email sometime in 2024. I was an effected member. I tried numerous times and my application would not go through, and now its too late to be added into that settlement.
Product: Credit reporting or other personal consumer reports

Date of inquiry : XX/XX/year> Name of creditor in inquiry : XXXX XXXX I requested from credit bureaus XXXX, XXXX and Equifax to provide permissible purpose on file, they did not provide the proof of credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX Experian, and XXXX XXXXAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Product: Student loan

I saw your recent lawsuit involving Navient. I am currently in disagreement with them regarding loans ( XXXX ) that i allegedly co-signed with an electronic signature. I did not electronically sign any student loan, nor did I have the ability to at the time they allege I did. On XXXX of the dates I was serving in XXXX, I know I did n't sign from there. I asked them for proof and they sent me loan agreements with my first name typewritten on the signature line. Further proof, they can not provide. Are there standards that private organizations must adhere to regarding electronic signatures? 
I am retired XXXX XXXX and a Full time XXXX XXXX XXXX.
Product: Debt collection

I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
Product: Debt collection

The collection agency contacted me and never verified any information to verify they had the right person before they rambled off personal information. This account needs to be closed and removed from NPASS Solutions due to violation.
Product: Debt collection

This debt does not belong to me. Contact with company yielded negative results .Would like it removed from credit report.
Product: Mortgage

On XX/XX/30, Bank of American applied a composite credit of {$5100.00} to my account. This was in three components : {$2100.00} + {$250.00} + {$2400.00}. 

The {$2100.00} comes from my BofA checking account ending in XXXX. The {$250.00} came from a closed XXXX account and should correctly be charged negatively to my account. I have no complaint about the reversal of the {$250.00} nor about the {$210000.00}, which was correctly credited.. 

Bank of America deducted the {$2400.00} from my XXXX account. Then they reversed the credit to my HELOC account.. 

I twice wrote to them through their website and received no response. I then complained to the XXXX. I received a message that they acknowledged the complaint, and beyond that message, no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 5 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 Equifax is 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 items 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. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 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 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 an account without my written instructions