23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a total XXXX XXXX in XX/XX/2021 during the height of Covid and started physical therapy shortly after at XXXX XXXX XXXX because it was the closet to my home. Really was not the best of service so after several visits I changed to another physical therapy company across town. Upon transfer for my last visit with XXXX I made sure to ask what was my amount due to pay if any and was told by the Lead Therapist that insurance had taken care of amounts. I never received ANY bill, correspondence or notification of monies due but had an account to be forwarded directly to a collections agency. ( WHY ). All other monies through this XXXX with physician, hospital and even therapy have been paid as agreed. So to never receive any bills from XXXX but have them send my account to collection without ANY notification seems unfair and unjust as a client. I have spoken with several other clients and understand this is a tactic they often use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to remove a tax lien that was filed in error by the State of Maine, with supporting documentation from the State that specifically states that it should be removed. TransUnion, LLC failed to respond within 30 days. I submitted another letter stating my rights per the Fair Credit Reporting Act, and asked to be removed immediately with the same supporting documentation. All other credit reporting agencies have removed the tax lien, and TransUnion still refuses to do so.
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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name Ohio department of human services Account number XXXX Account name XXXX. XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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.

15 U.S.C 1681 ( A ) ( 3 ) look XXXX XXXX made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian continues to do sham investigations while XXXX and XXXX have deleted the same account. If this continues I will be seeking legal action.
Product: Credit reporting or other personal consumer reports

I check my credit report and there is information that is not correct the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are not mine accounts 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 this information is not true and need to be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft due to a collection on my reports previously and it was removed from Transition and XXXX, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Product: Credit card

I am writing to express my deep dissatisfaction and frustration regarding the cancellation of my Priority Pass ( PP ) card by Chase Bank and the subsequent issues I have faced.On XX/XX/XXXX, I dined at a PP network restaurant at XXXX XXXX, only to be informed that my PP card was not working. This unexpected issue forced me to pay the entire bill out of pocket. On XX/XX/XXXX, while at XXXX XXXX, I called Chase customer service to address this problem. I requested reimbursement for my cost at XXXX and sought a solution since I intended to use my PP card at a PP restaurant at XXXX XXXX as well.The agent I spoke with advised me to use my XXXX card to make purchases at the PP restaurant at XXXX XXXX and assured me that I could call Chase later to apply the {$56.00} credit ( for XXXX people ). She also mentioned leaving a note on my account regarding this arrangement.However, when I subsequently called Chase and contacted customer service via secure message, I encountered repeated excuses and refusals to apply the promised credit. This has been both disappointing and inconvenient.I am requesting an urgent investigation into the reasons behind the cancellation of my Priority Pass card by Chase. Additionally, I demand that the credits for my expenses at PP restaurants at both XXXX and XXXX airports be applied promptly.I trust that Chase will handle this matter with the seriousness it deserves and ensure that such issues are resolved promptly to prevent future occurrences. Receipt for the XXXX XXXX XXXX restaurant is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX / XXXX XXXX Balanced {$2300.00} XXXX XXXX XXXX Balanced {$11000.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$8200.00} XXXX XXXX Balanced {$970.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XX/XX/XXXX and financial XX/XX/XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a

number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being
in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Previous Address ( es ) : 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit file is still showing inaccurate information as accounts being open. This is now the 3rd time I have made copies, sent with paid statements and cancelled checks along with bank statement showing the payment has been made, and they are still showing these accounts open. The next step is to hire a lawyer and start legal activity against them. This credit agency has been contacted in the past and nothing has been resolved. They routinely send me the same report untouched.
Product: Debt collection

Associated Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

The State of Kansas refunded my overpaid XXXX XXXX  to a debit card from Key Bank. There is no Key Bank in all of Kansas. Just ATMs at places like XXXX. This is its own problem. I wanted a check. 

The debit card has almost {$2000.00} on it. The daily limit for withdrawals is less than this. I was able to get {$1300.00} on Saturday. Today I hoped to get the rest of MY MONEY. The withdrawal was repeatedly denied. I called customer service. The automated line told me my card was restricted and I needed to talk to an agent. I was put on hold until the system hung up on me. I need my money. I never opened an account at Key Bank and I never agreed to terms that had withdrawal limits from a bank that does not exist in my state. 

All limits and restrictions need to be removed. Ideally, KS would get my permission before issuing me a debit card. I wanted a check or a direct deposit. 

This compliant is specifically around the funds availability at Key Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$49000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Bank of America. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Bank of America. 
In speaking with XXXX I was told a company called " XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the " XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the " XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Bank of America took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Bank of America, and then Bank of America did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Mortgage

In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with Experian TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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