23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX # XXXX XXXXI have a a unverified account from KEYBRIDGE MEDICAL REVENU. I had previously disputed this account. I have never done business withXXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app always had problems with my accounts. They kept closing them stating due to gaming to which i was not. This was my business accounts. They even had a {$1700.00} transaction that was not mine. After months of going back and forth in emails, nothing was ever accomplished.
Product: Debt collection

XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work
Product: Debt collection

I was notified by XXXX on XX/XX/XXXX via email that I had a derogatory mark on my credit via Wakefield & Associates, who were collecting debt for XXXX XXXX XXXX W & A said I made an XXXX XXXX visit for {$830.00}. The original visit was supposed to have taken place in XXXX XXXX, and the date XX/XX/XXXX is also involved somehow. This is entirely a case of identity theft/fraud. Neither I nor my wife have visited the XXXX in years, nor have we incurred this approximately {$830.00} in debt. I called XXXX to dispute the issue ( XX/XX/XXXX ), I called XXXX XXXX XXXX  via phone ( XX/XX/XXXX ) but was not able to get ahold of anyone, and I called and emailed Wakefield and Associates ( XX/XX/XXXX ) to dispute the collection as well.
Product: Debt collection

I received this letter ( attached below ) in the mail from a supposed law firm stating I have toll pass violations that I need to pay outstanding fees and and outstanding toll payments for. I verified with the XXXX XXXX and XXXX  XXXX ( toll company ) that I have no outstanding or late payments.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

This is my Menard 's Big Card Capital One charge card which I've had for years. 

I remodeled my bathroom in XXXX and made all my purchases in XX/XX/XXXX and put it on their XXXXyear, revolving, XXXX XXXX  interest promotion. 

I have ALWAYS paid the minimum balance due for the revolving account PLUS any purchases I made for the prior month that appeared on my statement. Otherwise, I added the {$56.00} minimum payment due for the revolving account to the total dollar amount of any purchases and that is what I paid every month, thus satisfying the minimum payment due on the revolving account AND paying in full all prior month 's purchases. 

In XX/XX/XXXX, I began paying EXTRA. My intention was that once the revolving payment of {$56.00} was applied, the purchases were paid in full, the EXTRA would be applied to the principal of the revolving account, thus lowering its balance due. However, when I began doing the math, Capital One is NOT applying any extra payments to anything. Every month, my revolving account has been reduced ONLY by {$56.00}, and my purchases for the prior month are paid off in full. However, any extra I paid vanished. From my math, there is {$110.00} EXTRA I have paid to Capital One that has not been applied to anything. 

I have called twice : XX/XX/XXXX, and XX/XX/XXXX. Both Customer Service women have rudely ARGUED with me that the extra was applied to purchases when I had already added the purchase amounts on my statement from the prior month to the minimum revolving charge PLUS sent in extra. How can they apply extra payments to purchases that have NOT been made? How much do they know to apply if the purchases have not been made? 

XXXX : paid {$3.00} extra XXXX : paid {$15.00} extra XXXX : paid XXXX cents extra XXXX : paid {$25.00} extra XXXX : paid {$21.00} extra XXXX : paid {$5.00} extra XXXX : paid {$44.00} extra The extra paid was usually rounding up the amount paid to the next XXXX, XXXX and XXXX or XXXX and XXXX dollars to make things even dollars. Moving forward, I will pay TO THE EXACT XXXX what my statement requires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting

I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, XXXX and Transunion certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though the these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still XXXX and Transunion willingly choose to violate the law set forth to protect people who have gone through my situation.
Product: Vehicle loan or lease

In XX/XX/2023, I applied to lease a Mercedes XXXX from the XXXX. XXXX Mercedes-Benz dealership . The total value of the lease agreement was approximately {$120000.00}.

Despite my robust financial standing, including a XXXX  score of over 800, an annual income of {$340000.00}, and more than {$150000.00} in cash savings, my application was denied. Mercedes-Benz Financial Services USA LLC informed me that the reason for this denial was that I had not previously leased or purchased a car worth {$120000.00}. 

Subsequently, I was approved to lease a vehicle up to a value of {$92000.00}, despite my creditworthiness and demonstrated financial capacity to manage the initially requested lease amount. 

This explanation for denial raises serious concerns, given my understanding that it is not legally sound to gatekeep the approval of lease agreements based on a consumer 's prior purchase or lease history. It is particularly worrisome when an applicant, like myself, possesses a robust financial profile indicating their ability to meet lease obligations. 

I have reached out to Mercedes-Benz Financial Services USA LLC , seeking clarification and assistance regarding this matter. However, I have not been provided with clear reasons or satisfactory assistance thus far. Despite this, I remain hopeful that they will respond and address my concerns. 

Given the absence of clear financial impediments and the lack of satisfactory communication from Mercedes-Benz , I am left with an unsettling suspicion that factors unrelated to my creditworthiness and financial standing may have influenced the decision on my lease application. 

Based on these circumstances, I am led to suspect potential discriminatory practices, possibly based on my race or ethnicity. This suspicion has resulted in significant distress and a sense of being unfairly treated. 

The impact of this decision extends beyond mere financial aspects, causing considerable disappointment and anguish. I am seeking a comprehensive investigation into this matter, to ensure compliance with fair lending practices and regulations under the Equal Credit Opportunity Act ( ECOA ), which explicitly prohibits discrimination on several bases, including race and ethnicity.
Product: Mortgage

Dear CFPB, In XX/XX/XXXX I was solicited to refinance my home located in XXXX XXXX while I resided in Hawaii working for my employer. My home was being rented out. I was advised by the Pennymac loan officer to finance it as an investment property. I stated I had already considered refinancing because we wanted to purchase a home in Hawaii as our primary residence with a VA Loan. I was told if I followed through with the refinance I would be able to secure another mortgage as a primary residence with my husbands VA entitlement benefits. I verified this MORE than once. I explained how important it was that we were able to buy another home that I had a baby on the way. When we went to purchase another home we found out that was not true. We would have to refinance yet again our home as a conventional loan for an investment property. I can not explain how expensive the misleading information I received has been. Rent in Hawaii was {$5600.00} a month for our 2 bedroom apartment. When my youngest son was born and our family outgrew our apartment and we couldnt afford to refinance again to buy a third home we were faced with relocating. I am now trying to buy a home as our primary residence in XXXX XXXX and the amount that was added to our home makes the loan to value too high for a conventional refinance. I also reached out in the process of trying to refinance our current loan I had let the payment stretch to the max in hopes the refinance would be done and the loan would be paid. In setting up autopay through our bank. I confirmed with Pennymac and XXXX   that they could transfer the payment within 1 day to avoid a 30 day late. As soon as I figured out our refinance would not go through in time. I called to arrange the payment and when it wasnt received I received no call. They had no problem calling me every day when it was late but after I called let them know I had made the payment I received no confirmation. The moment I found out it wasnt received I paid it directly. The inability to refinance my current loan and The 30 day late being reported from XX/XX/XXXX is keeping me from qualifying to refinance it on my own. Its outrageous that the deception from Pennymacs agent in XX/XX/XXXX is continuing to hurt my family. I previously reached out to management and was told they listened to recorded calls and didnt hear the agent provide inaccurate and intentionally misleading information. When I asked for a copy of the calls they refused to provide them in writing or by recording. The funds it cost to refinance and the additional interest should be reviewed. 

XXXX XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Debt collection

A private consolidation loan originally owned by XXXX was sent to Absolute Resolutions for debt collection. I was harassed continually by Absolute Resolutions and their third party representative, XXXX XXXX XXXX ( and their employee XXXX XXXX ). Despite several attempts from XX/XX/XXXX to XX/XX/XXXX to make payments on the amount owed, including a good faith 10 % down payment and monthly, then biweekly payments, I was constantly asked to pay more and more and was then unable to make the expected payments. Because of this, I applied for Chapter XXXX bankruptcy on XX/XX/XXXX and was granted a full discharge on XX/XX/XXXX ( which included the Absolute Resolutions collections account totaling {$26000.00} ). In XXXX, I began receiving statements and requests for payment from Absolute Resolutions. I then contacted them by phone and spoke to a representative. I informed them of the bankruptcy discharge. Since then I have not received any communication attempts. However, the Absolute Resolutions account has stayed on my credit report as an open and active collections account. I filed a dispute with XXXX which was rejected. On XX/XX/XXXX, I logged into my Absolute Resolutions account to see that is is very much active. Since then I have contacted XXXX again, emailed my official discharge order to Absolute Resolutions, and am now filing this complaint.

Included in this complaint are my discharge order and the Absolute Resolutions portal for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. XXXX has honored the discrepancy and removed the account. Experian needs to do the same because this account is fraudulent and various inaccuracies.
Product: Debt collection

I received an alert from my IdentityForce protection on XX/XX/2023 notifying me that a debt collection agency, AR Resources , Inc. had put information on all of my credit reports regarding a {$1900.00} collection which I was NEVER contacted about by phone, email, letter, etc.! The only thing I can think of that this may be associated with is a hospitalization I had last XXXX which was so botched and traumatized me so much that I consulted with an attorney who advised me to file a complaint with them and wait for their response before going further with him and filing a lawsuit. I did that and received a letter back stating that they were looking into all of my complaints ( as there were many ) and would respond within 30 days. 

Well, they NEVER responded, but they never sent my any bills from the hospitalization, so I thought this nightmare was over until this AR Resources put a collection on my all of my credit reports without my knowledge! 

How is this possible? A company can just add something to your credit report without notifying you and without your knowledge?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : In Violation of Permissible Purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports and It is illegal to report collection of delinquent child support, judgments, fines and liens may no longer be permitted. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. In summary, the courts now hold that judgment creditors do not have an automatic right ( permissible purpose ) to access an individual 's credit report based on outdated interpretations and FTC guidance, which were superseded by the newer provisions of the FACT Act. This reflects a stricter interpretation of when and how credit reports can be accessed, aiming to protect consumers ' privacy and credit information. These violations raise serious concerns regarding the accuracy and legality of the information being reported. Also, willfully in violation of 15 U.S. Code 1681s1 ( 2 ) reporting after 7 years. 
Remove Immediately XXXX Child SupportXXXX XXXXXXXX Child Support XXXX or any variation of the name child support in this complaint. Please, send an updated copy of my current consumer report to the address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX, XXXX KY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inquire about the status of my recent credit card application. I was disappointed to learn that my application was denied, and I would like to understand the reason for the denial. 

I have recently experienced a drop in my credit score with XXXX XXXX, which I understand may have played a role in the decision. I would like to assure you that I am taking steps to address this issue and improve my credit score. 

I am a responsible credit card holder and have a history of making timely payments. I believe that my credit score does not accurately reflect my ability to manage credit responsibly. I would greatly appreciate the opportunity to prove myself and demonstrate that I am a responsible borrower. 

I kindly request that you reconsider my application and give me the chance to prove myself. I would be happy to provide any additional information or documentation that may be needed. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit card

Details : we were on the trip with XXXX in XXXX. We were riding taxi in XXXX XXXX  XXXX from XXXX XXXX to our XXXX XXXX XXXX. The charge on my account from XXXX XXXX XXXX XXXX XXXX. We have never been in any restaurants that day. I am not even sure such restaurant exists. The taxi driver took my card and swiped it thru his portable reader. No receipt was given to me. 
My account is setup so I get emails as soon as any charge more then XXXX cent appears on my account. When we came to the Hotel, my phone picked up network and I received an email with this charge of {$420.00}. I immediately called Citi card and explain what happened. I didn't know if taxi driver have saved my card information on his devise and I requested cards replacement. 
The charge is still on my account. Citi security explanation of why dispute rejected is because card was physically used. 
There were 4 of us in the taxi - my wife and my friends. I can provide their address and phone numbers if necessary. They are the witnesses of this fraudulent charge. 
We have been with this credit card for more then 30 year, knowing that CITI cards will protect us from any kind of fraud transactions. CITI is NOT wiling to protect us from XXXX thieves. 
Please help. 
XXXX XXXX
Product: Debt collection

I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies.