23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

UPDATE : XX/XX/XXXX XXXX -- - A representative of XXXX XXXX called Credit Collections USA with me on the line. We spoke with XXXX who verified the bill was sent to the wrong address. She then spoke with Supervisor XXXX and was told they sent it to the right address. We asked to speak with XXXX and she verified to us that Credit Collections USA sent the bill to the wrong address and did not have the correct phone number on file. She still refused to remove the derogatory report from my credit record. They should have a recorded conversation that will verify this report. 


***************************YOUR ORIGINAL COMPLAINT*********************************** My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : XX/XX/XXXX Date spoke with credit collections : XX/XX/XXXX I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- on XX/XX/XXXX XXXX I replaced a new bank account on my Toyota Financial services site regarding the lease of XXXX XXXX XXXX model that I had acquired during the XXXX of XXXX. 

- on XX/XX/XXXX XXXX the transaction of {$180.00} was successfully charged. 

- I had never skipped any payment during my first year since I had got the vehicle. 

- There was more than sufficient funds available in my afore mentioned bank account. 

- For the next two months, I was not charged for my vehicle. 

- Around XX/XX/XXXX, I observed that my payments were not deducted from my account for the last two months. 

- Upon inquiry I was told by the collection department that they have no knowledge of what had happened. The assured me that someone will call me within 24 hours. 

- Nobody contacted me from customer service. Upon calling, they told me that I had requested not to call me. It was strange because the collection department told me earlier that someone will get in touch with me. 

- I asked them to go ahead and charge my same account for two outstanding and one upcoming lease installments. But they refused and said that I will have to remit these transactions to them instead. 

- I wondered why and upon inquiry I was told that I had defaulted for two months and that my case was given to collection department. 

- I asked them as to why I was not informed by mail or email and do they have any proof that I had lapsed on the said discrepancy for which they had no response. 

- I told them that I am not going to pay any surcharges as it was not my fault. They do not have any proof that there was insufficient funds in my account. I have the online bank statement to attest it. 

- They agreed and waived off the penalties. I also intimated them to not report this to credit because it was incorrect and that there was a technical systems error on your part and that I had not lapsed in payments from my side. 

- I was assured that if might reflect initially because the outstanding payment crossed that 60 day mark but that it will be removed from my credit history. 

- On XX/XX/XXXX I sent Toyota Financial Services the three installments amounting to {$560.00} on XX/XX/XXXX they waived off the penalties amounting to {$20.00} which is reflected in the Toyota Financial Services Statement. 

- Also my credit history can reflect that I had never missed any payments from any creditor. And that within a year my credit limit has gone from {$1000.00} to more {$50000.00} with a credit score of XXXX with TXXXX, XXXX with XXXX and Fico Score XXXX. 

- This has been due to my responsible spending habits and ability to furnish my financial obligations in a timely manner. 

- Upon my dispute with XXXX XXXX I was informed in an ambiguous fashion that the payment was on time. And that the amount disputed are incorrect. 

- In both cases it is redundant and inaccurate. As there was no failure on my part whatsoever and this conclusion given is rather confusion impeding the rightful course of action.
Product: Mortgage

On XX/XX/21 Cross Country Mortgage ( XXXX XXXX  ) took out two ( 2 ) mortgage payments totaling {$4000.00} ( {$2000.00} normally ). I had to move money immediately, so I would not overdraft on my banking account. I called customer service ( XXXX ) XXXX on XX/XX/21, but was unable to get through. I called again on XX/XX/21 and spoke with a customer representative that I needed to verify proof that they took it out twice. At the time of the conversation, my bank just showed " pending '' on the 2nd payment and the mortgage company would not refund my money. After I had proof the funds took out I called the mortgage company again ( I do not know this date ) and they had already in process of refunding the money on XX/XX/21. I called again on XX/XX/21 to understand why my account had not been credited the money. I was told by a customer service representative that the process is to issue a check and it would be mailed on XX/XX/21. I asked why I hadn't been notified of this before and the CSR just said it was " the process ''. She also said it would be about 7 - 10 business days before I would receive the check. By the time I get my money, it will be time for my mortgage to take out again. On XX/XX/21 the mortgage company called wanting clarification as to why I submitted poor reviews of the customer service and reiterated that it is because they took my mortgage out twice and were unable to provide my money back as easily as they took it. They never explained what their " process '' is, but if money is taken out electronically it should be able to credited back electronically. I am not in the position to be out {$2000.00} until the check arrives.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ). As it requires timely access to funds. This situation raises concerns about consumers protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Bank account or service

I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
Product: Checking or savings account

I was trying to open a checking account with Key Bank online on XXXX but found out I am unable to open one online and have to go to a branch. I have no clue why this happen to me but sounds not correct at all.
Product: Mortgage

I sent Nationstar mortgage a QWR on XXXX XXXX, 2016 Reference # XXXX And they said they would answer back by XXXX XXXX, 2016, how ever they have ignored my request. Please see attached letter
Product: Credit card or prepaid card

On XX/XX/22, I paid XXXX {$480.00} on the internet with my Capital One card for a shipping service on a crate of silicone calking tubes from XXXX, CA to Georgia. I received the XXXX of XXXX and the shipment was picked up and delivered. This should be the end of contract between XXXX and me. But on XX/XX/22, after delivery, XXXX, charged me {$200.00} for unknown reasons. 
Such charge was not discussed with me via telephone calls nor by email, and certainly was not authorized by me. 
I contested with Capital One credit card, and they set up a case number : XXXX. Capital One applied {$200.00} credit to me on XX/XX/22. Merchant replied to Capital One with many pages of internal documents that made no sense to me. Not a single page of the documents given to Capital One showed my authorization for this second charge. 
Capital One reversed the credit and charged me back the {$200.00} on XX/XX/22, then closed the case. 

This is a blatant violation of the basic principal for credit card use. A merchant who is given the consumer 's card number for a purchase, can not charge the second time or the third time or the fourth time... .. without authorization. 

Capital One has missed its duty to protect the consumers. A very important function for us to use a credit card for purchases. It is a terrible credit card company.
Product: Debt collection

Good afternoon, I am writing to file a complant against, XXXX XXXX, I.C. Systems located in XXXX XXXX, MN. On Friday, XX/XX/XXXX at XXXX XXXX my husband, XXXX XXXX received a call from I.C. Systems. The call as received from phone number XXXX. The caller represented to my husband they were looking to speak with me, XXXX XXXX. I immediately searched the website for a number with I.C. Systems to avoids any scams etc. I made contact with an employee who transferred me to a collection rep. Per our discussion, I was made aware they received a bill from XXXX, and that I owed money, when I questioned and suggested I would speak with my attorney, I was told they could no longer engage in conversation with me and to have my attorney call them. I reached out to XXXX, XXXX and XXXX later that day to discuss the alleged debt. It was agreed the attorney would send a letter on my behalf, ( see attached ). I would also like to add I have received no bills from XXXX and the only contact from I.C. Systems was the call I initiated XX/XX/XXXX. As it relates to XXXX, I switched carriers sometime in XX/XX/XXXX to a competitor, part of the new service they agreed to pay my phone devices in full. I used monies received from the new service provided and paid XXXX XXXX on XX/XX/XXXX. After my payment was submitted I was told verbally no other money was due for this account. Again to reiterate I had no calls from XXXX or notice for any other monies due for this account. I.C. Systems sent me an email which was the only form of communication shortly after my initial contact in XX/XX/XXXX. The attachment received was for me to complete my attorney information, print, sign and mail to I.C. Systems. I also tried responding to that email which popped back and not delivered. I confirmed with XXXX XXXX, Attorney that drafted the letter to the collection agency, date of letter XX/XX/XXXX, no response has been received to his letter. This was confirmed verbally over the phone today, XX/XX/XXXX. I have simply requested to prove this debt belongs to me and provide me the required information as again I was told the XXXX account was paid in full. I confirmed on XX/XX/XXXX that I.C. Systems has now placed a collection on my credit report for an amount of XXXX which is different from the billing notice received which shows an amount of XXXX. I am requesting further action against this collection agency.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/year>2025 Subject : Formal Dispute of Medical Collections Violation of CFPB Reporting Ban ( XX/XX/year>2025 ) Dear XXXX, I am writing to formally dispute multiple medical collection accounts currently reporting on my credit file. As of XX/XX/year>2025, the Consumer Financial Protection Bureau ( CFPB ) has issued a ban prohibiting the inclusion of medical debt on consumer credit reports due to the proven harm it causes to credit scores, its lack of predictive value, and the inconsistent handling of such debt by both XXXX and the medical industry. 

Under this newly established CFPB policy, no medical collectionswhether paid or unpaidare to be included in credit reports, effective immediately. 

The following accounts appear to be in direct violation of this rule : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ACCT Number- XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT Number- XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT Number- XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT Number XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ACCT Number- XXXX I am requesting an immediate investigation and deletion of all medical-related collections from my credit report in compliance with the CFPBs updated regulation. Continued reporting of these accounts violates federal guidelines and consumer rights under the Fair Credit Reporting Act ( FCRA ), and may result in formal complaints being filed with the CFPB, the FTC, and my state Attorney Generals office. 

Please provide me with written confirmation that these accounts have been removed. I expect a full resolution of this matter within the 30 days allotted by law. 

Sincerely, XXXX XXXX
Product: Mortgage

I got on the XXXX forbearance from XXXX until XX/XX/2022. My mortgage co Rightpath has told me I can not make a payment. They sent my loan to underwriting for 2 1/2 months and when I started requesting a call back from a manager after 30 days with underwriting I was told they are backed up due to all the loans coming from XXXX XXXX XXXX. I never recieved a call back and have requested one several times since XXXX. I started threatening to complain to the different agencies such as CFPB and now I get a notice that I'm not eligible for a loan mod, a payment deferral or a pmt plan. Please help!
Product: Credit card

I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under XXXX XXXX.
Product: Debt collection

They call everyday harassing me for the past 3 months from several different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information/identity has been compromised via Experian Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX   XXXX  to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via XXXX  using my identity. I have contacted the company that completed the inquiry ( XXXX  XXXX  XXXX  ) and they have been little or no help. They keep referring me to Experian. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.
Product: Debt collection

XXXX on XXXX received a phone call form ( XXXX ) XXXX explaining to me they need to verify personal information to have a process server come to my home because I was being sued. 

I asked what this was about and asked for their name, but the female representative did not give me her name, nor could she tell me why. 

I explained I was not comfortable give her any information, so she gave me the name of her law firm " XXXX XXXX XXXX  '' along with the phone number ( XXXX ) XXXX. She gave me a reference number " XXXX ''. 

I called the above number, a receptionist picked up the line. I explained what happened and gave her the reference number. Again, the person did not give me her name, and stated an attorney would be with me in a moment. After about XXXX seconds, she came back on the line and stated the lawyer was in a meeting, and she could help me. 

She stated I owed over {$13000.00} on a XXXX credit card from CITI Bank that was close doff in XXXX. I stated I need to see paperwork on this accusation. The receptionist stated we received something in the mail on XX/XX/XXXX, but we never received any notices or letters regarding this. I asked if she could mail it with signature confirmation, or if the process server could give that information to us. 

She stated we're going to lose our home because they were going to put a levy on it, and we'd be in financial ruin if we don't " resolve this debt today ''. 

I thought this business was a law firm, but I think they deceived me because they sounded like a debt collection company. 

I've never been threatened like that before, and didn't know who to turn to. Any help would be appreciated. 

I have a copy of my phone log wit timestamps if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately remove the following accounts XXXX - Date opened : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report.

The following accounts were not opened by me and should be blocked and deleted : XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Speedy cash would not let me set up an arrangement to pay off and I was out of work due to the pandemic.