23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I am responding to your contact about a debt you are trying to collect. You contacted me by telephone on XX/XX/2022. 

Upon answering the call from your debt collector, I informed her I did not believe the information was accurate and that I would need additional information from CSII in order to personally verify the validity of the debt. I asked her to provide additional details via email and she refused. Instead of either offering to send me the details via mail or even over the telephone, she repeatedly attempted to get me to confirm the debt was mine, saying things like so youve confirmed the [ radiology debt ] is yours. I provided no such confirmation. Further, when I asked if she would please provide the details of the debt via email, she responded that there was an easier way to deal with the issue by just confirming the debt was mine. I also attempted to reach CSII by telephone to speak with a supervisor but was repeatedly placed on hold until the call would drop. 

While a clever attempt at deceptive debt collection practices, CSII is in violation of several state and federal laws, including the Fair Debt Collection Practices Act. As you should know, I have a right to ask for any verification of the debt you are attempting to collect from me. I have ccd the Consumer Financial Protection Bureau as well as the Texas Attorney Generals Consumer Protection Division, so they are aware of such behavior.
Product: Payday loan, title loan, or personal loan

This is my complaint. Thank you for your help. 
Westlake Financial Services, XXXX XXXX, CA Re : XXXX XXXX XXXX loan Acct : XXXX I purchased a vehicle XX/XX/XXXX from XXXX, XXXX and they secured financing for me through Westlake Financial Services in XXXX XXXX, CA. I paid off this vehicle in 6 months on XX/XX/XXXX ( see attached statement ). I called W.F. on XX/XX/XXXX to inquire about the status of the payoff and my car title. I was told the title was processed and sent to the creditor, XXXX XXXX XXXX. I have no idea who XXXX is, or why Westlake would send them my title!! She then asked me if I still have the car, where is the car, did I payoff the car myself? ... all crazy questions. Yes, I have my car. I kept asking who is XXXX, and why did you send my title there? She said to call back on Monday, XX/XX/XXXX and speak to the Title Dept. 

I called back on Monday and spoke with XXXX in the Title Dept. She needed to research but would call me back. She called back and left a voicemail but no details, andno phone number to contact her directly. I spent the next 2 hours trying to call and get her on the line but kept getting disconnected and/or rerouted. I demanded to speak with a manager and was connected to " XXXX. '' He also looked up my account and said he needed to forward the matter to the Title Dept and instructed me to call back in 2 days. I asked why someone can't call me back instead, and he said they just needed me to call back. Now with the Coronavirus around, I'll be on hold for hours and don't have time to waste with these incompetent people. My title is missing and I want it corrected and issued ASAP. Thank you again for your help!
Product: Payday loan, title loan, personal loan, or advance loan

In summary : I was offered an 18-month installment plan to pay off a {$14000.00} heat pump, but instead, my account was set up as a Not Paid In Full By 18 Months account, which added {$6200.00} to my original payment and continues to accrue at 30 % interest. 

Details : In XX/XX/XXXX, to finance my $ XXXX heat pump installation, my local contractor, XXXX XXXX, offered me a promotional 18-month installment plan with 0 % interest through Wells Fargo XXXX XXXX set up the account with Wells Fargo and sent me an email to complete the setup. I entered my bank account details on auto-pay, assuming the balance would be paid off within the 18-month period. 

However, 19 months later, in XX/XX/XXXX, I noticed I was still being charged by Wells Fargo. I logged into my account to see Wells Fargo added an ADDITIONAL {$6200.00} charge as interest charged to my account in XX/XX/XXXX. After some investigation, I found out that this charge was due to the account being set up under terms I was never informed about -- that if the balance was not paid in full by the end of the 18 months, 30 % interest would be backdated to the account opening date. I was never told of these terms, nor was any significant effort made to notify me that the " promotion '' that I was signed up for had ended. 

I became aware of the {$6200.00} charge on XX/XX/XXXX. The following business day, I paid off the remainder of the original balance and contacted both Wells Fargo and XXXX XXXX to dispute the charge. I was informed that Wells Fargo had conducted an internal investigation and denied my request, stating that ( 1 ) I was verbally informed of the terms by the merchant and ( 2 ) that they had attempted to contact me via " multiple communication methods. '' The only communication I received from Wells Fargo was vague emails with vague subject lines, buried in dozens of other promotional emails from Wells Fargo, with no phone calls or letters informing me of the end of the promotional period. My statements include vague reference to " full payment would be if paid off in 30 months '' or " 40 months '', which I did not believe these applied to me, as I was paying my account off in 18 months. 

I dispute the added {$6200.00} charge entirely. The terms I understood were for 18 installments to pay off the original {$14000.00} balance, with no mention of a post-promotion penalty. I acted swiftly and responsibly by paying off the remaining balance the day after I discovered the true terms. 

I maintain that I was misled and that I should not be held responsible for these charges. My original account balance has been fully paid off, and the current balance on my account continues to accrue at 30 % interest as I dispute this claim and Wells Fargo 's predatory lending practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXXXXXX 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 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 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 XXXX XXXXXX/XX/year> :
Product: Mortgage

My wife and I have been seeking a loan modification with Select Portfolio Servicing ( SPS ) for over a year now and we recently filed CFPB complaints highlighting what we believe to be discriminatory and fraudulent business practices. Although we recently received a letter from SPS stating that the scheduled foreclosure date of our home ( XX/XX/2019 ) has been cancelled, as of XX/XX/2019, SPS 's attorney XXXX XXXX XXXX, XXXX still has our home listed on their website to be foreclosed upon on XX/XX/2019. Please reference SPS Foreclosure Cancellation Notice dated XX/XX/2019, attached. 

Thank you. 


XXXX XXXX XXXX XXXX. 

Customer Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX File Numbers : XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX. XXXX, VA XXXX
Product: Credit card or prepaid card

I check my credit report frequently, that's why I noticed on XX/XX/XXXX that Bank of America had closed my credit card. They have provided NO NOTICE to me that it would be or has been closed. There is a XXXX dollar balance and we have been practical to limit use of the card except when needed. The account had been open for over 20 years and never had a late payment. 

I called Bank of America to inquire why it was closed and they treated me with great disrespect - indicating that the account was closed and sent to collections. I was shocked as I had paid the card off 2 years ago and was concerned there was a mistake. I spoke to the collections agent who confirmed there was no balance due and the account should not have been sent to collections. He referred me to speak to a " credit analysis '' who I called the next day. 

The credit analyst offered to open a new credit card but refused to reopen my existing account. They indicated that the account had been closed due to inactivity, despite the fact that we have been a long-term, loyal, and credit-worthy customer. 

As a result of their actions, my longest open credit card ( and with fairly high available credit ) has been removed from my credit report. Furthermore, the " remark '' that it was sent to collections appeared on my credit report. Bank of America was entirely unhelpful and dismissive in resolving these concerns. They have yet to mail or email me ANY notice of the account closure - saying only that they have no obligation to perform this simple act of customer service and that a notice " should be '' mailed within 30 days of the closure.
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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account : XXXX  Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.
Product: Debt collection

I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity.

2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs.

3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation.

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex XXXX XXXX XXXXXXXX Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 All are unauthorized inquiries without my permission
Product: Payday loan, title loan, personal loan, or advance loan

This is an issue about Synchrony Pay Later service. I received a refund from a merchant on XX/XX/2023. I contacted Synchrony and they informed me they had record of the refund. On XXXX XXXX I received a letter stating my account had been corrected and to contact them regarding receiving the money. I was told a check had been sent. When I hadn't received by XX/XX/XXXX I called again they said " so sorry, we'll cancel that check and send another '' It still hasn't arrived and I received another letter saying I needed to contact the refunding merchant. I called toady XXXX XXXX and was told there was no record of a check being sent. Supposedly there will be a check in the mail, again. As of today XXXX XXXX I have not received the refund due me.
Product: Debt collection

InXX/XX/XXXX I learned of Contract Callers, a collection agency reporting on my credit report for a past due bill owed to XXXX XXXX XXXX ( XXXX ) in XXXX Arizona of {$260.00}. I contacted Contract Callers on XX/XX/XXXX and was informed that Contract Callers had just acquired my file from XXXX in XX/XX/XXXX ; the contrary said to Contract Caller 's reporting on my credit report as of XX/XX/XXXX. The same day ( XX/XX/XXXX), I made an initial payment, followed by two subsequent payment arrangements for XX/XX/XXXX, and XX/XX/XXXX to bring the balance of XXXX to current ; to which I fulfilled the payment agreement. 

I contacted Contract Callers towards the end of XX/XX/XXXX to request in good will my account be removed from the credit report as I knew the account to be older than seven years from date of first delinquency on XX/XX/XXXX, Contract Callers refused to remove the collections account from my credit report. 

On or around XX/XX/XXXX I felt I had recourse through XXXX   by filing an online dispute requesting Contract Callers be removed and/or deleted from my credit report for failing to report accurate account information. To which XXXX  failed to perform a thorough investigation or else they would have discovered Contract Caller 's re-aging the collection account open date of delinquency to XX/XX/XXXX to enable Contract Callers negative reporting, thus continuing to affect my credit buy malicious oppression. As of current date, Contract Callers continues to report this negative collection account on my credit report and any attempt to seek relief of an investigation by XXXX, they are of no avail in simply asking Contract Caller 's " to certify '' they are accurately reporting/providing XXXX with true information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

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 1681XXXXXXXX XXXX XXXX XXXX XXXX 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 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

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX
Product: Debt collection

On XX/XX/year> the amount of {$1400.00} was placed on my credit report as a collection, due to me being a victim of bank fraud.
Product: Money transfer, virtual currency, or money service

OneMain is a company that provides services in XXXX different industries- in this case a loan agency and a XXXX XXXX XXXXs agency. I had XXXX separate balance transfer checks from XXXX different banks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to " OneMain ''. When I looked up the address online to send the checks to I did not know that there were XXXX separate agencies and the balance transfer checks went to the solar panel agency instead of the loan agency. 

The XXXX XXXX XXXX check was issued on XX/XX/year> and deposited by by the OneMain solar panel agency on XX/XX/year>, in the amount of {$6000.00}. The check number is XXXX, and included my account number with the OneMain loan agency. When I called and spoke to the solar panel agency and explained the situation they attempted to look up my account and then told me that they do not have an account for me and that I would need to work with my bank. There are XXXX problems here - XXXX, how was this check even deposited by the incorrect agency in the first place when I have no account for them to apply it to? XXXX, I have both my bank and the solar panel agency telling me that they can't do anything and that I need to work with the other. I am at a complete impasse. 

The XXXX XXXX XXXX XXXX XXXX check was issued on XX/XX/year> in the amount of {$5600.00}. I am in the exact same situation with XXXX XXXX that I am in with XXXX XXXX XXXX. 

Now I have an extra {$11000.00} amount of credit card debt that I can not repay because all of these companies/banks refuse to work with me. How is this not fraud that the OneMain solar panel agency deposited checks to referencing an account that does not exist? All the while interest is accruing on both credit cards and the OneMain loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account COMENITY BANK/VCTRSSEC, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loans or leases Total balance : {$16000.00} XXXX XXXX XXXX Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called XXXX XXXX Friday, XX/XX/XXXX to find out why the XXXX loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. XXXX XXXX XXXX is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXXXXXX XXXX  to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.