23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I stayed in the hospital for a period of time and was billed by several areas of the hospital. I was sent to collections with PASI who setup multiple payment plans over a 2 year period. After my debit card expired, we established a new plan for XXXX per month out of my husband 's checking account. 

Payments continued monthly until XX/XX/2021. We never changed the bank account or had a returned payment however PASI sold our debit to a new company and stated it was due to no payment being received. From XX/XX/2021 to XX/XX/2021, no communication was received asking for payment and no notice of the debt being sold was ever sent. 

I called PASI who said they were not sure why I was not advised or why I was ever transferred. The agent transferred me to Customer Service where I got a recording that their office had just closed 5 minutes earlier. The agent also advised that whoever answered could and would get me a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
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 items 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, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Email communication was received from CapitalOne on XXXX XXXX but there has been no additional communication and I still do not have my paycheck. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit will not remove negative item from my credit report and car has been paid off. I have tried several times to have them remove it. It is interfering with my credit score.
Product: Mortgage

SPS sent me a letter stating that they would recast my loan. This was done forcefully. I never requested a recast, which implies me paying more interest AND A BALLOON PAYMENT. 
When I called they said I was too late. I received this letter too late. I received it on XX/XX/XXXX, they said I had to call on XX/XX/XXXX, through no fault of my own. 
i called and they had originally said it was done, then they called me back and said i had to take the recast. 
If there is a time limit on responding they should have sent the letter certified. 
I DO NOT WANT A RECAST of my loan. They make it sound like it is a good thing, when in fact they are just trying to collect more interest on the loan. 
Who knows how many more people they have done this to.
Product: Mortgage

21st mortgage purchased my home loan. When they first contacted me they were harassing me for payments that were not due to them but my previous mortgage holder. I was told to learn how to pay my bills, after completely hostile phone calls and inappropriate behaviors from 21st mortgage I have blocked these calls due to feeling threatened into having my home taken for being XXXX day late. I am currently just XXXX  days late I have been locked out of my account until I speak with the account manager. I do not feel safe speaking with these people I just want to pay my mortgage as due.
Product: Debt collection

I am not liable for the debt that this collection agency is trying to collect from me. I do not have a contract with this company. I requested a copy of the purchase agreement or contract with the creditor that authorizes them to collect on this alleged debt. They did not provide me with the requested information.
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. 
Account name : XXXX/Dofed 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 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

Since XX/XX/XXXX, Comenity bank via Victoria Secret has been unable to take my payments due to a problem within their internal system. They have reported my account as delinquent XXXX XXXX XXXX and now XXXX. I call twice  a month to attempt to pay. I started recording the call XX/XX/XXXX. They refuse to stop reporting my account and refuse to provide me a letter stating the account is not delinquent as per requested by my home lender ( trying to buy a home ). My credit score has gone from XXXX to a XXXX. Comenity Bank refuses to assist me in making the corrections needed. They only tell me sorry we are unable to access your account please help. We have tried a mail in payment, a misposted payment, ach wire transfer, and debt card. All of which could not be processed due to Comenity Banks internal system. I have done everything they have asked with zero assistance or help in return.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) XXXX  DISPUTED ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Checking or savings account

We wrote a check to one of our vendors in the amount of {$1200.00}. on XX/XX/21. This check was intercepted and washed, the name of the payee and dollar amounts were removed and the check was altered to {$14000.00}. to a persons name. We filed a claim for Fraud on XX/XX/21, and to date Chase has informed us XXXX XXXX XXXX is investigating the claim and they are awaiting XXXX response. XXXX has been investigating the claim for over 1 year now, I don't know who is giving me true information because XXXX will not update me and Chase really doesn't either. I am being told it is still under investigation, I think there has been enough time to investigate, we really would like to have our {$14000.00}. Refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX  XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Product: Mortgage

The Money Source mistakenly was sending the insurance payment on my property to and for the wrong property address. When we realized this, they tried to make e responsible for the error. I insisted that it was their fault becsuse my insurance was impounded. They refused to listen to me. I reported the issue to CFPB in XXXX ant XX/XX/2022. When CFPB contacted them, they recounted their position and decided to take care of the problem that they caused. Now CFPB has closed the file. This rogue company resurrected the issue of XXXX XXXX again. 

This is an issue they had resolved when CFPB contacted them. My insurance was impounded since I purchased this loan, how can I have a lapse in insurance? 

I am asking CFPB to investigate this claim with the last claim on XXXX XXXX XXXX brought to your attention in XXXX XXXX and see how XXXX is attempting to resurrect this case.
Product: Mortgage

In the process of adjusting our escrow with our Home Mortgage lender, US Bank XXXX Mortgage, our Auto-Pay option was turned off without our knowledge or consent, therefore resulting in a missed payment on XX/XX/21. We were notified of this via USPS mail which was sent out on XX/XX/21. Upon receiving this communication we immediately logged into our account and turned our Auto-Pay option on again as to complete our payment for the month of XXXX. In communicating with US Bank, the change to our Auto-Pay was made on XX/XX/21. I have no supported evidence in my browsing history related to US Bank on or around this date. We were notified on XX/XX/21 that our credit had been impacted by a 30-day late payment by XXXX and XXXX. Upon receiving this information we immediately followed up with US Bank XXXX Mortgage, who confirmed that because our Auto-Pay was turned off not only did our XXXX payment not process, our XXXX payment did not process as well. We took the necessary action to make our account current again, and confirmed that our Auto-Pay option would in fact auto-draft go-forward so that we will not run into this issue go forward. 
We believe that this was truly an internal error on the US Bank side while making other changes to our home mortgage account and we are being unfairly punished in the process of resolution. We have disputed this information with all 3 major credit bureaus as well as internally with US Bank and have not had any resolution thus far.
Product: Checking or savings account

The company XXXX XXXX XXXX keeps charging my XXXX year old mothers bank account auto debit. They are not authorized and we have tried numerous attempts to get them to stop. PNC bank will only do a stop payment for six months. The company often changes its name and dollar amount charged and it goes through again as a monthly auto withdrawal. This has occurred multiple times after requesting a stop payment with PNC. PNC will not allow me to disable auto withdrawal. We would only like to use this account for deposits and writing checks. PNC will not help us. When contacting the XXXX XXXX company there is no live human only a recording that you must leave a message and they do not call you back. I have written to the email address they have provided as well as the XXXX XXXX XXXX to no avail. PNC has tried to find out where our payments are being send. They are routed to XXXX XXXX XXXX XXXX XXXX who then says they are routed to another vendor. It is very frustrating. There was never a written agreement by my mother or myself which is required by law stating that these charges are to be allowed on our mutual checking account. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX   breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 )  XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX XXXX {$74.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$26000.00}
Product: Consumer Loan

I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collection company that is trying to collect a debt that is not owed to them. I have asked for the entire purchase agreement that validates this debt and they have refused to provide it to me. The company lists a balance due on my credit report, when in fact according to the FCRA laws, no balances should show on a collection account, nor should it be listed as an open and active account.
Product: Credit card

Hello, I am writing to seek your urgent assistance regarding an item I bid on and won. Here are the details of the situation : I placed a bid on an item, and my bid was accepted. 

I requested a cancellation, but the seller denied it, stating that the item had already shipped. However, it was not shipped at the time of my request. 

I waited for the item, but it did not arrive by XX/XX/year>. I contacted XXXX, XXXX, and my Synchrony Bank on XX/XX/year> and report for not receiving the item. 

I also reached out to the seller, but it appears to be a scam as I have neither received the item nor a refund. 

I contacted the post office and opened a claim regarding the missing item. The post office replied that the tracking number has different address and the item was delivered to the address on the label. 

I provided all documents to my financial institution. I have contacted Synchrony Bank many times and provided all necessary documents. However, it seems they are mistreating their clients. They charged my account and stated in a letter that they are reviewing the case. Synchrony Bank is misleading and mistreating their clients. 

It has been XXXX months, and I am still awaiting a refund for the transaction. They can not protect their clients, which is bad customer service and lying to the client. 

It has been extremely difficult to contact XXXX customer service. I urgently need XXXX 's help to either receive my money back or the item. 

Thank you for your prompt attention to this matter. 

Thank you
Product: Credit reporting

XXXX lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/year> ) to update this suspicious information. I think you have not validated these accounts in accordance with SectionXXXX 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 including it again. 
XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}
Product: Checking or savings account

Closed my business account for no reason and charged fees for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and XXXX just " confirms '' the information. I have written and called XXXX several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.
Product: Credit card or prepaid card

I have an Amazon store card through Synchrony Bank. It has charged me something called " XXXX XXXX XXXX '' since my XX/XX/XXXX statement. However, I didn't notice before because the charge was small, and I didn't check my statements. I don't recall ever being notified or agreeing to this charge. On XX/XX/XXXX, I called the number listed on the charge ( my statements have it listed as a fee ), and I initially thought it was fraud. I called the Amazon store card customer service number 3 times to try and report it as fraud. They told me it wasn't fraud and I had to call the number again. I believed it was in fact fraud, so I closed my account. I closed it on XX/XX/XXXX. However, my XXXX statements show I was charged {$19.00} on XX/XX/XXXX, even though my account is now closed. I called the number on the charge today and entered my account information that I verified is correct and was told it is wrong. Then I called the Amazon store card support and was told I need to call the number on the charge to cancel. The Synchrony Agent also couldn't tell me how my account is still being charged when it is closed. Since XX/XX/XXXX this fee has charged me a total of {$180.00}. I just found out this XX/XX/XXXX, but the ordeal since then has been very stressful. I definitely think this business needs to be investigated. I have since searched for similar stories with Synchrony to my own and found quite a few. Though I seem to be the first they continue to charge once the account is closed.
Product: Debt collection

In XXXXXXXX XXXX XXXX, Ive been receiving multiple phone calls XXXX from Sunrise about a debt that was owed. I tried to tell them that I dont owe any debt and do not recognize it but they insist that I do owe and threatened to contact my employer to take all my earnings from my pay check every week until the amount is paid. They told me the amount was from XXXX XXXX XXXX. But I took out federal student loans from that college and my student loans were forgiven due to the college closing down for financial issues. For the past year, Ive been paying the debt so they can leave me alone and stop calling me. And they still call me every single day and make threats. This is harassment at this point
Product: Credit reporting

I submitted a dispute to Experian concerning my credit information that should be deleted and it continues to stay on my credit report. XXXX is a collection agency that is on my report from the original creditor XXXX XXXX # XXXX whom has sent me documentation addressing my account which has a zero balance ; I forwarded this information to Experian and they continue to still report this on my report. Another issue is XXXX XXXX and XXXX XXXX are old accounts that should not be on my credit report. The other XXXX credit agencies have removed XXXX, XXXX XXXX and XXXX XXXX but I seem to running into a brick wall when it comes to Experian.
Product: Credit reporting or other personal consumer reports

I have sent multiple requests to remove addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.Experian requested to have a copy of my drivers license and I sent the information, but Experian has not removed this information. 

I have sent 5 letter to have this information removed, but they have not complied. This has cause unspecified damages for my pain and suffering. 

They have continued to furnish this incorrect and invalid information.