23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter on XXXX/XXXX/2017 from XXXXnited Collection Bureau Inc. regarding a debt collection. Sent United Collection Bureau IncXXXX a letter on XXXX/XXXX/2017 requesting their Texas XXXX XXXX XXXX and debt validation pursuant to Texas Finance Code Section 392.202. XXXX XXXX XXXX XXXX responded on XXXX/XXXX/2017 with account statements from the original creditor but failed to provide their Texas XXXX XXXX per Section 392.101 of the Texas Finance Code and other documents required by Texas Finance Code Section 392.202.
Regardless of the validation requirement not being met, United Collection Bureau has violated Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Texas law considers a debt collector as any person who regularly attempts to collect debts owed to themselves or others. 

Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402.
Product: Credit card or prepaid card

I'm considering paying off one of my 2 credit cards. However, I was extremely dismayed to discover that Regions Bank, despite soliciting on the basis of interest rates, does not disclose the rates it charges on my credit card unless I agree to allow them to deny me access to a paper statement. In other words, those customers that object to only getting e-billing ( which I cancelled because it kept going to spam and/or otherwise arriving late ( resulting in Regions charging me late fees ). So, I can not make an informed decision about which credit card I should keep since I have no information to base my decision on, until I get next month 's statement, and even then, I have no way of knowing how the rates have compared to one another during the past months/years, since I am denied access to statements, again, unless I allow them to go back to sending me late statements so as to charge late fees, and spam me. I don't see how my choice to receive an actual bill, on time, ( which is my right ) should somehow impair my other rights, including knowing what interest rate they are charging me today.

Please look into this and ensure that Regions doesn't pick/choose between what rights it complies with, and those that it chooses not to comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt. <P/>When I dispute these items with Experian, XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA. <P/>Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX. <P/>This information is false and I have requested all three 3 credit bureaus Experian, XXXX and XXXX  to delete the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX of XXXX I was attempting to sell an item on XXXX XXXX place for {$800.00}. A buyer came forward under the name of XXXX XXXX. Their XXXX account only had XXXX followers, so it seemed to be a fake account. However, I went ahead to make the sale of the item. XXXX did not seem to be interested in anything relating to the actual item, they said they wanted payment out of the way first. So, they told me to use the Zelle app to make the transaction. They informed me that some banking apps, such as the XXXX XXXX  whom I am a customer to, allows to send money partnered to Zelle. So, I agreed and put all my suspicions aside when I saw that my bank offered the service. I figured that if anything went wrong, my bank would stop the transaction. The buyer, XXXX, asked me for my full name and email address ( XXXX ), which didnt concern me. Then, XXXX claimed that they had sent the {$800.00} to my account. I receive an email on the account I provided them, from Zelle ( XXXX ). At the time, I did not realize that this was an imposter of Zelle. The email read that I had an incoming payment of {$800.00} from a sender XXXX XXXX, but it has been halted because my account was not of the premium status. I have never used Zelle before, or the method through my banking app, so I believed that this was a true scenario. The buyer asked me if I had received that email, to which I replied that I had. The buyer then sends a screenshot of the same email and sends it to me via messenger, the same way they contacted me to purchase my item for sale. Their screenshot was the same as mine, making me believe that the email was genuine and from Zelle. The email also mentioned that the only way for the {$800.00} to be released to my account was if both parties sent an addition {$500.00} to each other, to which Zelle would hold all funds, and then release the correct amounts to each other ; {$1300.00} to me ( the buyers original {$800.00} and my {$500.00} refund ), and {$500.00} back to XXXX XXXX ( their {$500.00} refund ). I, unfortunately not seeing through the scam, sent the {$500.00} to XXXX XXXX. Then, the buyer asked for a screenshot to confirm that I sent the money, to which I sent. At this point, I was very concerned with everything happening, but comforted myself with the thought that my bank, The XXXXXXXX XXXX in PA, provides me with this feature to send money through Zelle. I also thought that if something went wrong, the bank would stop my funds from reaching the scammer. The buyer then informs me that their account is locked due to their accountant ( which was not mentioned earlier to me ) sent too much money. I received an email from the same fake Zelle account confirming this. The email read that I would need to send an additional {$500.00} to balance out the money transfer. At this point, I realized that I had been scammed. 

Currently, I have filed a claim with XXXX and my bank. My bank has made contact with Zelle, where they blacklisted the individual " XXXX XXXX ''. Zelle has no offered compensation for this scam that was supported by their company.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human with rights under 15 USC 1681 Equifax is governed by USC 1681 and they have violated my rights to privacy numerice times. 



I did not give equifax permission to furnish these accounts XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX BANK ( Account # XXXX ) XXXX  XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX  ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX I request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX  XXXX Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.
Product: Student loan

Hello, I'm a current student enrolled in a XXXX college. I had a student loan in XXXX and I decided to pay it back when I thought interests would rise back up at the end of the month of XX/XX/XXXX. I wanted to make a payment ahead of time so I did. I made it a payment of {$1500.00} to my student loan provider Edfinancial and they processed it on XX/XX/XXXX. Two days later, President Joe Biden made the announcement that all federal loans would be cancelled. I know I qualify for the forgiveness because I definitely make less than XXXX a year. I haven't reached out to Edfinancial yet just waiting for next updated news on the situation as well as the forgiveness. However, from everywhere I look, they have been telling other customers they give it back within 150 business days or they make a request and they call back and they say they haven't made a request in the first place. I don't like dealing with unhelpful customer service, it's the worst! Someone suggested I should make a complaint and that's what I'm doing. From the sound of things, they should have a better customer service representation, and they should update people on correct and accurate information about a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Product: Debt collection

Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. 
I spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. 
I never heard back from them and assumed it was resolved. 
On Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. 
He told me that I should receive it by today, XXXX XXXX ( which I havent yet ). 
On the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. 
Today I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. 
This morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. 
I finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. 
I have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution.
Product: Mortgage

I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. 
COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers?
Product: Credit card

I would appreciate it if you could take a look at the attached documents. I want the bureau to investigate these accounts promptly, as they are reporting me as late despite my punctuality.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX '', the accounts are as follows : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  XXXX XXXX , XXXX, MO XXXX ( 2x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( 4x inquiries ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 1x inquiry ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( 1x inquiry ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( 2x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX - XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX , PA XXXX ( 1x inquiry ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( 1x inquiry ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( 1x inquiry ) 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 an account without my written instructions.
Product: Mortgage

This is my 2nd time coming to CFPB for help. This is my 2nd time to trying get a result. I wonder can something be done. As explained before back in XX/XX/XXXX I was a XXXX  victim. I had a XXXX. It was a most horrible time a tragic period. I'm still making a comeback. With job and life, I can not work fast, I have to do things slowly very slowly. I spend almost 2 weeks in a hospital one to next. Back in XXXX my wife left me to pay all the bills I did the best I can. But I came up short so I asked the bank to help. They did what they can. I was approved for a loan medication when I got the hospital. I explained I just got out the hospital I can not start paying on it now, they explained to me just re-apply it will come back approved no problem. I called several times and again and again they told me the same thing. Just apply again it will comeback approved. Are you sure? Yes, was the answer. When I try to apply now I cant get a approval from them. I've asked them several times. Now, its always no.. I don't know what to do. What happened to before. Who can I contact. They guarantee me something before. They assured me I would get approved. What can be done? I got put into a hospital under a life on death watch. It was not my fault. Just one more chance, just one more shot. I will pay on time. Please, I was not working when I got out the hospital could not pay a penny until I got well. Now, I willing to pay. I could not walk, or talk or write. I couldn't do anything for myself. Now, I can do a little for myself. Please help me, thanks for your time.
Product: Debt collection

I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the 2 debts in their office, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.
Product: Credit card

Hello, I'm reaching out after a month of fighting with Current. On XX/XX/XXXX, I had XXXX fraudulent charges of {$150.00} each come out of my account, equaling {$900.00}. The notification that alerted me to these charges was the one about having 'insufficient funds ' to have a XXXX charge of the same amount come out. These charges came out XXXX hours away from my home while I was at work. After explaining all of this, Current still denied my disputes, telling me that I had authorized the charges. 

When I noticed that the charges had happened, I had immediately called Current support ( on my lunch break ) in which the person who helped me canceled the virtual card that had been used and reissued me another one. Fearing the same thing would happen, I didn't set up the PIN. The app had said 'to start using this card reset your PIN '. A week later, another charge came off of the new virtual card that I still had yet to set up, making me think someone within the company is behind the fraudulent charges. 

I called XXXX weeks ago after multiple ignored emails to Current 's dispute team with my physical evidence showing that I was at work at the time of the charges as well as requesting the reasons behind my disputes were found to be fake, I called the police in the town the fraudulent charges happened. They took my statement, but I haven't heard anything from them either. 

After several phone calls and ignored emails, all I'm being told is that I have to wait 45 days ( from XX/XX/XXXX ) while they re-investigate my claims. Considering they didn't actually do any investigation in the first place as well as my suspicions that they are the ones committing the fraud, I am seeking legal counsel on the matter. 

This happened a few years ago with my XXXX account and within XXXX minutes I had the disputes in, my card canceled and a new card in the mail. A week later my money was refunded. I know they can do it, but Current seems to be acting suspicious. 

This entire ordeal has caused me a lot of financial strain as well as stress in an already stressful time in my life. I'm seeking counsel to figure out where to go from here. I believe that in 45 days they will simply say the same " you authorized the transactions '' and keep my money. I can not afford to lose {$950.00}. 

Any advice or help would be greatly appreciated. Thank you for taking the time to read this, have a wonderful day.