23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.
Product: Debt collection

Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate ; NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX XXXX is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Wells Fargo nor the consumer reporting agency XXXX XXXX have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Wells Fargo failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Mortgage

I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close. 
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.
Product: Debt collection

ACCOUNT RCVY SERVICE has a medical collection on my credit report that was paid in full long ago. I am asking that this company cease and desist and clear my credit report within 3 business days. It is listed as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires in my credit bureau of Experian that I do not and authorized please delete these queries from my account thanks.
Product: Mortgage

I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in  Spanish with a Spanish-speaking housing counselor.      On  XXXX   XXXX ,  XXXX , the consumer filed a complaint with the Maryland  State Attorney General 's Office.      The consumer, who lives in Maryland, first sought assistance from the  Director of a company called  XXXX , to s ubmit a loan modification request  to M & T Bank, the  lender that originated the consumer 's home loan. By  XXXX   XXXX , almost  XXXX  months later after the consumer first met with  XXXX  staff,  XXXX   XXXX  from  XXXX  called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year.    XXXX   XXXX   director  of  XXXX  stated that the consumer needed to make those deposits in cash specifically every  XXXX  weeks. In order to qualify for the modification. When the consumer first met with  XXXX  staff, he asked specifically if he could qualify with a current income of {$16000.00}, and  XXXX   staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do.     The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com  pany ) were the experts in this subject matter.
As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to    reapply again with the right information, the bank did not believe the consumer.   When the first modification application was denied,  XXXX   XXXX  advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named  XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud.     This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and  has been denied.
Product: Checking or savings account

On XX/XX/2021 I issued three separate checks to a contractor for services he promised to provide to at my property. Upon my demand for his proof of identity and state contractor 's license information, the contractor promised to provide me with that evidence at a later day. That was a scam, the contractor who impersonated himself misrepresenting his license status never showed up the following date of XX/XX/2021 and disappeared. I had contacted the XXXX and my bank, asking to place a stop payment on all three checks. The proof of call is in their system and I have that evidence as well. The bank groslly neglected my request for stop payments on all three checks and paid to the unlicensed contractor for the services that was never rendered. I demanded from our branch manager to backtrack their call logs, which she did and confirmed my calls made to Chase call center ( in addition to my emails to the headquarters attention ) for the purpose of immediately placing stop payments on specific checks. I asked from the branch manager to assist me in filing a claim, the answer was negative. The Chase Bank committed predatory lending and breached the contract. I hereby demand from Chase Bank to act in accordance with consumer banking laws and regulations and finally proceed with my demand for a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Debt collection

This is regarding a response to my CFP complaint filed in XXXX, wherein the credit collector continued the pattern of lying. 1- The offer to allow me to pay affordable payments was made over the phone, and the agreement was entered into over the phone, and recorded. The alleged letter ( attached ) is something Ive never seen until now. 2- Neither the letter nor the actual agreement prohibited my paying more each month. By paying a large lump sum, I did not go outside of any any term or condition. 3- The recording would also prove that they agreed to no negative credit reporting if I paid on time.

4- The lump sum caused the account to be paid in full, and they stopped pre-authorized monthly debits, of their own accord, based upon their own records. 

As to TD Bank, I indicated last week that I was willing to pay the mysteriously appearing {$100.00}, if they could prove to me that there had been a mistake, even though it would have been their mistake and not mine. My offer was refused. 

I was also refused, by TD, copies of documents and communications between us including statements. I was told that the communications we had with each other were theirs and proprietary, even my statements! 

Both of these companies are hiding the truth.
Product: Credit reporting or other personal consumer reports

I requested a reinvestigation on XX/XX/year> The information was the same. So you did a reinvestigation on a day XXXX was closed impossible. I request the method of the reinvestigation and all information obtain. The data in this account is still incomplete and inaccurate. We are requesting the GAAP ACCOUNTING. 
This item must be remove and the estate requires compensation for wheel for noncompliance and violation of my federally protected consumer rights
Product: Money transfers

My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX  for their failure to correct inaccurate credit reporting on my account. Despite submitting a dispute ( Case # XXXX ), XXXX  provided a non-responsive reply that did not address the specific errors I raised. Their continued reporting of incorrect information is negatively impacting my credit and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Details of the Reporting Errors XXXX  has reported multiple consecutive 60-day and 90-day late payments in a sequence that is inaccurate and logically impossible. Credit reporting follows a standard timeline ( 30 days, 60 days, 90 days, etc. ), but XXXX  reporting skips or overlaps late payment statuses in a way that is not consistent with how payments are actually made. This creates false negative marks on my credit report, causing significant harm to my credit profile.

FCRA Violations by XXXX  By failing to correct these errors, XXXX  is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or misleading information.

2. 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Creditors must correct and update reported data when they become aware of an inaccuracy. 
3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) Once a dispute is filed, furnishers must conduct a reasonable investigation and correct or delete inaccurate information. XXXX  failed to do this.

4. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to investigate disputed information within 30 days, which XXXX  response did not properly address.

Requested Resolution I am requesting that XXXX  be required to correct or remove the inaccurate late payments from my credit report. If they are unable to verify the exact accuracy of the reported data, the account should be deleted in its entirety in accordance with FCRA guidelines. 

Next Steps if Not Resolved If XXXX  does not take action to correct this issue, I will escalate this matter further by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action for willful violations of the FCRA, which can result in statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees ( 15 U.S.C. 1681n ).

This reporting error is harming my credit, and XXXX  refusal to provide a valid resolution is unacceptable. I ask that Consumer Protection take immediate action to ensure XXXX  complies with federal credit reporting laws. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Regional Acceptance Corp AKA Truist Financial Reported incorrect information on my credit on XX/XX/XXXX. I asked about the XXXX insurance in XXXX and why it was not reported on my balance of the account? Account was closed XX/XX/XXXX but as of this date claimed I made a payment of {$430.00} on XX/XX/XXXX. The date updated for this account was XX/XX/XXXX? This changed the balance to XXXX? I tried to get financing and finance manager said that I restarted the time of account even though it was closed XXXX years prior. Regional Acceptance Corporation/ Truist Bank claims the Bureaus reported incorrect information and the XXXX Bureaus claim Regional Acceptance/ Truist made the claims of incorrect reporting. The XXXX, XXXX, XXXX say they can not fix the report only the Creditor can which is Regional Acceptance Corporation/ Truist Bank.as RAC / Truist Bank can make Corrections to my report. This has been an ongoing dispute since XXXX beginning with reporting late payments that has been corrected before XXXX. XXXX XXXX of Regional Acceptance/ Truist Bank will send replies in typed letters that has nothing to do with my account and says the Bureaus are responsible?
Product: Checking or savings account

My account was closed with no warning leaving me with no funds available. I reached out to the bank and was told nothing. The reps I spoke to were very rude and no help at all. I still have yet to receive my funds that were in the account.
Product: Checking or savings account

I got slammed with NSF fees, totalling over XXXX $ for minor transactions, the fees ended up 2x the transaction amount, sometimes even 5x the transactions. I've called Wells Fargo personel multiple times to get a reversal but nobody hears out to me. I live on SSI and XXXXXXXX XXXX it's disappointing having rent go so fast. I've tried to turn off overdraft protection but the line doesn't work.
Product: Mortgage

I filed a claim against XXXX XXXX in XX/XX/XXXX with XXXX regarding modification issues in XXXX. XXXX XXXX responded correctly that I was not entitled to a modification at that time because the first mortgage with Bank of America was not modified. If it was, under the HAMP guidelines. The second with XXXX XXXX would have been considered under HAMP Tier 2 program for folks like ourselves with a second home would of had a chance to save their home that was being occupied by a XXXX brother, sister and her husband and XXXX children at the time. The original dated XX/XX/XXXX loan was with CountryWide, loan number # XXXXBank of America bought out the loan and the new loan number # XXXX. Our family attempted lots of times to get this home modified and it never was done. I tried We were successful for our current home. But, not this loan. We had to file XXXX  XXXX because our inability to work out something on this home with BofA. I need some answers to why it didnt happen. I submitted the documents to them on this matter.
Product: Vehicle loan or lease

I have held account number XXXX with Chrysler Capital since XX/XX/XXXX on account of the lease of a XXXX RAM XXXX bearing VIN XXXX. 

On XX/XX/XXXX, I tried to obtain the " Dealer Payoff '' from Chrysler Capital since I was in the process of selling the aforementioned vehicle. However, after repeated contacts with members of their team, I was denied the request and no logical explanation was offered. 

I sold the vehicle on the same day ( XX/XX/XXXX ) to XXXX located in XXXX, NY and they used the " Customer Payoff '' information provided by Chrysler Capital to determine the payment amount. It is my understanding that XXXX has paid the entire sum of {$23000.00} from the " Customer Payoff '' statement, including the tax amount of {$1800.00}. It is my understanding that XXXX can not be charged any taxes because they're a car dealer. Also, since Chrysler Capital has not sold the vehicle to me, they can not charge me the taxes. 

Accordingly, I need Chrysler Capital to refund me the {$1800.00} that shows on the " Customer Payoff '' statement. I sent a letter to Chrysler Capital by mail on XX/XX/XXXX requesting attention to the matter. Happy to provide any additional information.