23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. The driver of the vehicle fled the scene, and I suffered multiple injuries. My auto insurance XXXX was informed and was paying the bills of my medical debt as per the NJ State law and my no-fault status. Police was unable to track the rogue-driver. My insurance details were sent to all parties who treated me like XXXX XXXX and XXXX XXXX and XXXX XXXXs. Recently an unknown debt collection agency put a collection delinquency on my credit report damaging my credit score and putting me in great distress on top of my injuries. I believe that it is this agency that was sending me threatening calls which I communicated to XXXX and they said all bills they have paid. After contacting Credit Bureau they said that it is an agency in Pennsylvania asking to pay ambulance fee. The ambulance was given my auto insurance details several times and I received no notification after that. A Florida based Ambulance company named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida XXXX was also given my XXXX XXXX and medical insurance details long time ago. This third party agency is outside my home state and had no contact number available. I find the recent action by the collection agency named Commercial Acceptance as damaging and harassing as they threatened in the phone calls. I kindly ask CFPB to clear the wrongful debt collection in my credit reports and take action against this collection agency for damaging my credit score in this time of hardship.
Product: Credit card or prepaid card

I am writing to request an investigation regarding my dispute for XXXX XXXX merchant for {$70.00}. I was told by several Discover representatives over the phone that kind of dispute was not something discover does. I spoke to two discover reps and they were rude over the phone and did not want to proceed with the dispute or reopening such dispute. On XX/XX/21 at XXXX I called and representative XXXX did not want to discuss dispute and was rude and refused to let me speak to a supervisor. XXXX said that a supervisor would call me within XXXX hours but nobody did. I think she did not put the request. About the dispute XXXX stated that this kind of disputes was not something Discover did. She advised me that the food was provided and since I had stated that food was not as described and defective is not something she could help with. She advised me to call the merchant and request a letter from them stating that they will provide a refund. XXXX was so ridiculous. I mean who is going to request such a letter. Then on XX/XX/21 at XXXX I called Discover again to discuss dispute and to see why a supervisor had not called me. XXXX a supervisor took the call and she also refused to discuss the dispute and told that such dispute with food quality we dont dispute that kind of issues. She also stated that the hamburger was not cooked well and had bones in it and ribs were dry. She abruptly said I chose to get food and I took it therefore I am responsible for it. Very unprofessional and rude representative as well. Some of these reps are not all that knowledgeable about the rights of customers. I was never also provided with documentation from the merchant for my own review. 
Surprising that I was told this by two representatives taking into account that this is not my first time filing a dispute regarding food that is defective or not as described. I told both reps that I would file a complaint and they reacted as they did not care or that their job was not in jeopardy. Totally arrogant attitudes. I believe that my rights as a cardholder were violated. I request that my dispute be resolved in my favor for {$70.00}.
Product: Checking or savings account

On XX/XX/XXXX we deposit XXXX for a total of XXXX. Then on the same date bank of America processed a check for XXXX and XXXX. Then we deposited XXXX more on XX/XX/XXXX and then had 3x XXXX fees for XXXX  XXXX XXXX, and autopay that went through as all debits are processed because credits even if applied on the same date. We asked if they could reverse the fees and they refused. Paychecks get held for three days before they are available. XX/XX/XXXX our XXXX XXXX  automatic payment was deducted on the same day my check was supposed to be direct deposited but it did n't go through, so on the XX/XX/XXXXwe made a deposit of XXXX to cover the insurance and the fee. Which leaves us penny less because of fees. Our van also broke down.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information Under 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name ] . According to my recent credit report, there is an account listed under the name XXXX with the account number XXXX. 

Upon reviewing this information, I must bring to your attention that I have not provided written consent to either furnish or obtain information regarding this account. As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, it is imperative that any information reported on a consumers credit file be obtained with the express written consent of the consumer.

Since I have not provided such consent, I request that [ Credit Bureau Name ] investigate this matter thoroughly and promptly remove the disputed account from my credit report. Additionally, I would appreciate receiving written notification of the actions taken as a result of this dispute, in accordance with my rights under the FCRA.

Please consider this letter as a formal request for investigation and remediation of the inaccurate information on my credit report. I expect prompt attention to this matter, as required by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent a debt validation/verification notice to comenity capital bank as I do not believe that this debt is mine. If they believe otherwise then I demand that they send all of the requested documents or delete this item of information from my consumer report
Product: Debt collection

Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). The original creditor is XXXX XXXX XXXX and the collection agency is as follows I C SYSTEM, XXXX XXXX XXXX XXXX XXXX, MN XXXX, ( XXXX ) XXXX. I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX my husband and I called I C System at XXXX XXXX. and spoke with XXXX XXXX. Her employee number is XXXX. I asked her, " How did IC System verify this debt ''. She stated they have no way of verifying the debt and do not have to. She said they only follow what the original creditor told them to do. I asked what address did they have on file. They said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. However, I lived at an entirely different address in a different city on that date, I moved to my new address in XXXX of last year and have a lease to prove it. Before that, I lived with my mom at a different address. I asked I C System how they notified me of the debt and they said by text message on XXXX the XXXX of XXXX. The number they gave me was ( XXXX ) XXXX. However, I contacted XXXX XXXX and they verified I had that number from XXXX until XXXX. Then I updated my number to ( XXXX ) XXXX from XXXX to current. I asked I C Sytem did they mail me verification or notified me by mail and she stated no. I asked if they notified me by email and she said they never had my email. The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt. 
- The Consumer Financial Bureau ( CFPB ) states, Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

However, I never received notification or verification of the debt in any way listed above. I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a lock on my credit file which is preventing me from being able to pull my report when needed.
Product: Credit reporting or other personal consumer reports

Experian credit bureau is showing I have a balance I have a letter from the company stating otherwise
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act.This Creditor Ally Financial has violated My right under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can't furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX  card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.
Product: Money transfer, virtual currency, or money service

I am trying to use XXXX XXXX with the card that 's been on file yet for some reason its not connecting or verifying my card when its valid and the app is n't properly logging my hours to match my pay.
Product: Prepaid card

Yesterday morning about XXXXXXXX XXXX I received a charge to a company called XXXX XXXX for {$1.00}. This was an unauthorized charge so I went ahead and had the company cancel my card and go through the motions of getting me everything set back up again. An hour later a {$95.00} charge was applied to my account and then 2 hours later another {$43.00} charge was applied to my account. After I've canceled the card. I put in a complaint, they said because I had authorized XXXX XXXX  once for a {$10.00} charge, they don't have to pay me back because it's on XXXX XXXX. Whatever XXXX XXXX  account was used to purchase this I did not authorize. I have both of the XXXX XXXX  accounts in my hand that I did authorize with this card both of them have only done a {$10.00} charge.. then they were disconnected. I had to pull my money off the card to protect it what was left. I need my {$140.00} back
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report, as outlined in 15 USC 16c-2. This erroneous information is adversely affecting my credit score.
Product: Checking or savings account

BMO is a terrible bank. Not only did they never acknowledge their bait and switch on the promotion for opening these accounts ( see prior complaint ) and never honor the original bonus account, now we have two added problems 1. on the business account, they required a {$100.00} minimum deposit to avoid fees, which I made sure was in the account. I also had already signed up for e-statements as is obvious by me not being charged a paper statement fee for months somehow thru no fault of mine, they switched me back to paper statements. I didn't log in for a while as there was no need due to maintaining the minimum balance. when I did log in, I was horrified to see a bunch of fees draining my account They illegitimately charged me {$3.00} paper statement fee when I'd already signed for e-statements. That brought the account below {$100.00} and then they charged me account fees also. They refused to waive any but one fee so I lost {$19.00} 2. I then closed both biz and personal accounts but first transferred my remaining funds to the personal account. I was told a check would be sent with the remaining balance. It has been 3 weeks and I have received NOTHING. The account shows a closing debit of {$110.00} that has never been returned to me, in addition to the {$19.00} in illegitimate fees They have robbed me of {$130.00} ( in addition to the bonus they failed to honor earlier in the year )
Product: Consumer Loan

I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries on my TRANSUNION credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports. 

However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account.

15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat
us of the accounts as not in default.

15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts.

15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts.

15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value.

15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score. 

If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.
Product: Mortgage

This mortgage company is failing to apply funds submitted as " principal '' in an attempt to collect additional interest on the loan. 
Approximately 5 months ago ( XX/XX/XXXX/XX/XX/XXXX ) my mortgage with XXXX was sold to Nationstar/Mr. Cooper and I 've had nothing but issues with the company. I began making payments to NationStar/Mr. Cooper and immediately they were not applying funds as I indicated on their payment website. Instead of processing my loan payments as I indicated on their website with the monthly mortgage amount PLUS additional principal. They processed the funds without applying any additional money going to PRINCIPAL. Any additional amount I indicated as PRINCIPAL was held by the company as " UNAPPLIED FUNDS ''. On XX/XX/XXXX I spoke to a service representative and I explained that their company was changing the terms of my loan by not allowing me to make additional principal payments along with my monthly mortgage .It indicates on they website anyone could make additional principal payments just by adding the amount to my monthly mortgage. My previous mortgage holder " XXXX '' did this without issue. 
I was told if I wanted to make additional principal payments with my monthly mortgage I must call. The issue is they are intentionally making it difficult to pay off the mortgage with this practice, hoping that customers will just " give up '' attempting to payoff their mortgage early. Phone wait times, confusing and inaccurate explanations that do n't make sense is STANDARD. I do n't want any special treatment from my mortgage company. What I do want is to be able to go online to their ( Mr.Cooper ) website, make my monthly mortgage payment plus ANY additional PRINCIPAL or ESCROW payment I 'd like to add. Mr. Cooper Mortgage 's practice is stealing thousands of dollars from their customers /changing the terms of the loans and is intentionally making it difficult to payoff a mortgage early. This practice allows Mr. Cooper to receive additional interest payments over the life of the loan and should be stopped. 
Additionally, on XX/XX/XXXX I made another mortgage payment and I indicated ( on their website payment page ) I wanted an additional amount to be applied to principal.. On XX/XX/XXXX I visited their website and checked my payment summary. Again, they DID NOT apply the additional funds to principal as I indicated. I phoned Nationstar/Mr. Cooper on XX/XX/XXXX and spoke to their service rep " XXXX ''. She offered no plausible explanation however, she stated she would immediately correct the issue, and promptly send me an email confirming the corrective action taken. Today XX/XX/XXXX I again checked the summary of my account and the issue had NOT been corrected.
Product: Mortgage

This complaint is the follow up and the feed backon the Company response on our earlier CFPB complaint XXXX. 
The following concerns remain unaddressed and unresolved. We claim .... 

1. After three months of investigation into our complaint, BOA did not address the main concerns in our complaint.The specifics of our complaints and documents have been provided to BOA on several occasions. 
2. BOA has breached several of regulatory codes governing the Banking and Brokerage services in the matter of handling our brokerage accounts. 
3. Mr. XXXX has provided false testimony under oath and has repeated the lies on matters which have been found to be false by their own investigations by BOA. 
4. XXXX and Mr. XXXX were engaged in setting up a bogus arbitration hearing in the pretext of a contrived and fabricated dispute between XXXX and XXXX. 
4. The company response is merely a compilation of previous correspondences and lies which have been refuted by their own investigatory team and the research report. 

We request that CFPB undertake an independent investigation into our complaints against, XXXX and BOA.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian Credit Reporting Agency Regarding Failure to Delete Online Account and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Experian credit reporting agency. Despite multiple attempts and requests, Experian has failed to delete my online account with XXXX ID # XXXX, citing supposed identity theft concerns. I have invoked my rights under The California Consumer Privacy Act of 2018, which was further amended in XXXX  to the CPRA, to have my information removed upon request, including online accounts. However, Experian does not provide consumers with the option to delete non-active accounts once they sign up, leaving individuals vulnerable to potential identity theft risks as they are unable to promptly address any malicious activities. 

The inability to physically delete an online profile account exposes consumers to heightened risks and violates the fundamental principles of consumer privacy rights. It is imperative that credit agencies, including Experian, offer consumers the right to opt out and permanently delete any information from their systems, as mandated by the XXXX. The current practice of retaining consumer information against their will is a direct violation of consumer rights and privacy laws. 

I am requesting Experian to take immediate action to delete my online account and permanently erase all associated information ( not just my personal information which was requested via a certified letter and then updated on the online portal which I had asked to be deleted ). This is what got my attention that the request had not been fulfilled. 

Additionally, I urge Experian to establish a clear and accessible method for other consumers to delete their online accounts without facing barriers or feeling restricted by the agency. Consumer rights exist to protect individuals, and any disregard for these rights undermines the trust and integrity of the system put in place for the benefit of consumers. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Experian complies with the legal requirements and consumer rights outlined in the XXXX  and other relevant regulations. Your intervention and advocacy in upholding consumer rights are crucial in addressing this issue and safeguarding consumer privacy. 

Thank you for your attention to this matter. I look forward to a prompt and effective resolution to this complaint. 

Sincerely, XXXX XXXX