23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, My mortgage lender checked my credit ( as we were closing on our new house on XX/XX/XXXX ) and noticed a new collection account on there from Diversifed Consultsnts for {$770.00}. The last company that had this account I spoke with back in XXXX and told them I was going to pay after I closed on my house bc I didnt know exactly how much closing costs I was going to need out of pocket. Then, all of sudden without any written notice by law from the mail that this now company, Diversifed Consultsnts has the account and shows up on my credit report right before I was supposed to close on my new home!! If I knew by writing or even that if I knew at all that the account was with another collection agency, I would of called them to make arrangements to pay like I did with the last company. After talking with them on XX/XX/XXXX and telling them I never ( by law ) received anything in the mail, the company that SAME DAY XX/XX/XXXX ( see attached letter ) sends me notification after telling them I NEVER got anything via mail ( it was Reported on my credit just one day prior to calling them ). I called them to pay the bill and to see if they would kindly take this off my credit since they reported it before giving me a chance to even pay it or notify me, she told me that they do not remove collections from credit reports even after the fact that they broke the law.
Product: Debt collection

Refer to case XXXX acct no.ending XXXX case no. XXXX About US bank, they insist that they received money orders XXXX XXXX ) that they sent to " originating bank '' and that returned to their bank marked as in stamped counterfeit and spoke over presumably recorded phone line that they would either mail or provide in person else-wise submit the said money orders to help to verify their claims and therefore to find the culprit to be held accountable and kept responsible for allegedly counterfeiting united states postal service money orders. Eye am asking for the money orders signed over to my good and legal name to be returned to my possession so that eye may follow-up with US Bank 's suggestion that eye contact the CIA and the FBI to refer their practices for investigation. They also told that would be sending a cashier 's check regarding any foreseen positive balance that has instead been made into an impossible negative one. Peace
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the following companies have violated my rights XXXX. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX 's account # XXXX XXXX. XXXXXXXX XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXXXXXX XXXX account # XXXX XXXX. XXXX global account # XXXX XXXX. XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account 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 or my account without my written instructions.
Product: Vehicle loan or lease

I was denied for XXXX separate applications on the same day ( XX/XX/year> ). XXXX was for a personal loan ( {$10000.00} ), and XXXX was for vehicle financing ( {$38.00}, ). I was denied, and I requested a statement of reasons that my application was denied. Their response was, " credit score is not sufficient ... '' I had also sent a message through my online banking app, explaining why it was unlawful to deny me access to my credit after demonstrating my capacity to contract. I spoke with the underwriter on the phone, and after stating my ability to enter into contracts as a competent consumer ( in good faith ), I was still not taken seriously. I explained that I'm fully aware of my rights and that their internal company policies that require an ( undisclosed ) minimum Credit Score, insufficient grounds for denial *12 C.F.R. 202.9 ( b ) ( 2 ) * they continued to repeat the same answer like they weren't hearing my words...
Product: Credit card or prepaid card

On the XX/XX/2019 I received a letter from Citi Bank regarding my credit card account that I have held respectfully for the last 10 years. The letter unfortunately indicated that they were closing my account due to two or more returned payments. Prior to this letter I had received notification of the unpaid autopayment and the instructions included to replace the payment with another payment which is what I did. Citi bank never notified me that if another unpaid autopayment occurred they were going to close my account. Unfortunately at that time I was unaware that I had my autopay setup with Citibank with a checking account that was closed. Therefore, since the checking account they were attempting to collect from was closed  the payment was being returned. I regretfully, did not change the banking information at a timely manner because I was not aware of the consequences of my Citibank credit card which was originally a student credit card I received when I was XXXX years old and a XXXX in college being closed. This credit card account is my oldest account and now the closure of this account has effected my credit report and score in a negative manner because y credit age has significantly dropped below average. I would appreciate it if Citibank reopens my credit card account and gives me the benefits of the doubt. I have held this account honestly and respectfully for the 10 years and am committed to maintaining this client bank relationship with Citibank if they allow the goodwill of my reputation for the last 10 years shine through the temporary mistake that has led to these unforeseen events.
Product: Debt collection

I had insurance at the time I had my x-ray done and I should have no out of pocket expense considering I had XXXX XXXX XXXX a branch of XXXX
Product: Credit reporting or other personal consumer reports

I have a account with XXXX XXXX  XXXX and now they have been reporting this on my Experian double reporting and I have asked for an investigation multiple times in which it all come back correct I only have one account with them and would like for the balance to be updated properly and the account that they are double reporting to be removed from all reports and late payments associated with that removed as well. I only have one account with them and they are reporting 2 times to the Experian and this has been investigated multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I have a private loan with Wells Fargo that I have paid on time religiously for 4 years. The payment is $ XXXX but I always pay {$200.00}. Over the years I frequently paid well before each month 's due date so that I would not forget. Recently, I received an email that my XXXX, 2016 payment, due on XXXX/XXXX/2016, was past due. This was confusing as I 'd made the XXXX payment on XXXX/XXXX/2016 -- after I paid the XXXX bill on XXXX/XXXX/2016 ( due on XXXX/XXXX/2016 ). I do n't think it is unreasonable to assume that, given my history of early payments, and that my XXXX payment occurred after the XXXX payment and billing cycle, that my XXXX/XXXX/2016 payment was intended for XXXX. 

I called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016, 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was " just the way it is. '' To which I responded with skepticism, saying that this new system was probably just an inventive way of generating late fee revenues in a low interest rate environment. The representative said nothing. 

I called Wells Fargo again today, XXXX/XXXX/2016, to ask about the status of the refund. I was told it would be returned in the same manner in which I paid -- electronically to my non Wells Fargo checking account. This is welcome news but in direct contradiction to what I was assured was the only method of refund just 1 business day prior. Even the representative today could n't explain the change ( which had not been pro-actively communicated to me in any way -- as far as I knew I should be watching for a paper check in the mail in 3 weeks time ). Was the initial response on Friday a way to make me open an account with Wells Fargo that I otherwise would n't have? I have no idea but the inconsistency is as unprofessional and unfair as the initial insistence on delayed paper check refund itself. 

This is unacceptable behavior from a financial institution that has a responsibility to treat clients with respect and holds so much power over that individual 's credit history.
Product: Checking or savings account

I have account with XXXX and gets monthly report. I was alerted that an account was opened in my name at The Goldman Sachs Group Inc on XX/XX/2023. I did not open this account, and nobody contacted me about opening account in my name. The details received from XXXX on the illegally opened account in The Goldman Sachs Group Inc. are as follows : Reason - Open Financial Institution - XXXX Secondary matches - Name, Address, XXXX Name of Financial Institution - The Goldman Sachs Group Inc Account Opened Date - XX/XX/2023 Notification ID - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Mortgage

client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner.
Product: Debt collection

DEAR XXXX ; CFPB ; SEE ATTACHMENTS. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,
Product: Vehicle loan or lease

On XXXX XXXX I purchased a car through XXXX of XXXX and the dealership financed me through Exeter Finance. Its now XXXX XXXX and XXXX still cant get registration or tags for the car. I called XXXX and found out that the car has a lien on it and neither Exeter or XXXX have the title. I have been paying Exeter for months for a car I cant legally drive. Im stuck financing a car that I didnt know had a lien on it and Exeter wont let me out of the contract. This issue should be between the car dealership and the finance company and I should be allowed to get my money back and be let out of the contract. This is deplorable that they take hard earned money from people and it was their fault for not checking that the dealership had a title before financing it. I just want out of the contract and my money returned that I put in. My name is nowhere on the car information because of the lien so I will never be able to get registration for this the car. I have a car I filled out a contract on with XXXX XXXX XXXXXXXX that I HAVE to pay on monthly or am harassed by Exeter but they wont let me out of the contract. Buyers Beware!! These companies are selling cars they dont even own. The paper I signed the day of purchase at the dealership says that all liens noted on the certificate of title for such vehicle have been satisfied and the owner signed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX months ago I signed up with XXXX XXXX to assist me in resolving my debt crisis. 
XXXX XXXX uses as a financial management company called Global Holdings LLC. 
Today I noticed that a debt settlement with XXXX XXXX  was settled for 50 % off what was owed. A monthly settlement payment to XXXX XXXX was to be paid {$200.00} monthly Only {$50.00} was sent to XXXX XXXX instead. 
Addition moneys was taken out twice to cover unspecified fees for Global Holdings in the amounts of {$690.00} and {$250.00} respectively. 

On a phone call to Global Holdings on XX/XX/2023, the agent could NOT give me a satisfactory reasons for taking two excessive fees from my account. 
Now they have told me if I continue to have the remittance from my bank for seven months, would result in a loan approval to cover more fees and all my debts.

According to Global, My monthly withdrawal of {$370.00} from my checking account. is used by Global to increase my money amount with them. 

.Predatory practice with XXXX XXXX and Global Holdings . Money needs to be refunded.
Product: Debt collection

Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Consumer Loan

I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX - XXXX XXXX : XXXX XXXX - XXXX XXXX : XXXX XXXX - XXXX