23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Officer of the XXXX, I am XXXX XXXX. I required XXXX on XX/XX/2020 and XXXX XXXX XXXX You completed my XXXX  XXXX  report. I am part of the XXXX  XXXX   XXXX  in XXXX XXXX A program that verifies that one has no income or benefits and provides basic medical services for those who are not eligible for XXXX or XXXX. 
Since then, for {$210.00} XXXX XXXX  has been sending invoices to me with the last on threatening collections on someone who has {$40.00} in their bank account and who lives with her son. 
My son called and spoke on my behalf to XXXX, sent everything they needed to verify financial need ( they said that they had a program for this ) but has been ignored by them ever since. He spoke to XXXX on XX/XX/2020 and then her supervisor XXXX XXXX later. 
XXXX XXXX XXXX was rude and unprofessional, asking discriminating questions like " is the patient legal in this country '' and the like and ultimately decided that they would not waive the {$210.00}. 
Numerous emails asking for details of the services provided have been ignored. 
Request for contact information for XXXX XXXX XXXX XXXX and CEO of XXXX, and XXXX XXXX XXXX the XXXX have been ignored. 
Requests for " Any paperwork that you may have showing we agreed to cover doctor fees and All other paperwork that you may have '' have been ignored. 

The company has now sent me to collections, I have no income, I have no money, my son pays for my basic needs and houses me. Am I to now fight a collection company because I was unfairly sent to them for months on end??? 

I am writing to other appropriate government agencies to ensure that other poor patients are not harassed in this way. 
Thank you for helping me and other patients by providing this safe space to complain.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit card

Charged a penalty interest of 29.99 % since XX/XX/XXXX due to a late payment. I called and explained the situation, late payment was removed. I paid the balance monthly on time, on reassessment of penalty APR at 6 months, it was supposed to be removed. I was told it remained in place because the principal balance was not paid however my statement balances have been paid. I called in XX/XX/XXXX and they removed the APR. A rep told me they apologized it remained too long and they would investigate and adjust my account. No one called me back, I received no notification via email about outcomes but was told I would know in 10-15 days. I called back XXXX and was told they denied it and also denied reducing my current APR. I called back to speak with another rep the same week. They opened another case and I spoke with a supervisor that told me they did not remove it because I didnt pay the full balance and that the back office that made the determination did not have a phone number for me to contact them and that they could only read the determination. They also said emails would be re-sent to me once the case opened and the determination was made but I received nothing. To this day, no supervisor followed up and I have no documentation and the interest continues to accrue. I told them I would withhold payment until this case is reviewed and fixed and they kept saying you're on a recorded line and documented I would not pay until it is resolved. I still paid the bill and its still no follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/WalMart. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX and XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/WalMArt XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Product: Debt collection

About XX/XX/2023 I recieved a letter from LVNV Funding LLC who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XXXXXX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then LVNV refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information about Transunion. XX/XX/2020 I sent a letter asking them to send me the description of the reinvestigation and they failed to do so instead they disputed the accounts and caused 3 of the account to show a missed payment ( XXXXXXXX XXXX  XXXX XXXX ) even though they are in fact closed and charged off. Reporting that information is in fact inaccurate and dropped my score XXXX points. It is not my job to hold you in compliance but it is my responsibility to ensure it is fair and equitable to me and it is not. I was Explicitly clear on my request I did not deny ownership nor did I ask that you dispute but since you did you should be able to provide me with the description of the reinvestigation used to determine the accuracy and completeness and you have not which is a violation of my rights under the FCRA. The 30 days passed and they have not provided the proper documents and was suppose to remove within the end of the 30 day period per the FCRA 15 USC 1681i. These are the following accounts that need to be removed. ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) And also factual accounts were to be excluded per FCRA. Attached is the attachment Transunion called a procedure which is completely against federal law. I have letters attached to show the negliengent amd willful noncompliance as I have acted in good faith and will next consult with an attorney due to this damaging my reputation, my lively hood and have stopped me from being able to support my family financially. I also asked to receive correspondence by email and they have also failed to do that.
Product: Debt collection

I keep getting threatening call from XXXX ( XXXX XXXX XXXX ) Mediation Company, claiming that they are going to call my employer and get me fire, freeze my bank accounts and send a cop to my home to arrest me for some bad debt from 2012. 

They claim that they are filling a law suit in XXXX, New York and New Jersey and this will affect my employment. 

I asked them to stop calling me repeatedly and they keep robo calling me with the same message and when I do speak to someone they are very nasty on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son, XXXX, purchased a vehicle through XXXX XXXX XXXX XXXX XXXX. I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through XXXX at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. XXXX is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. Experian only accepts their version. This is wrong! Can you help me?
Product: Payday loan, title loan, or personal loan

Republic Financial keep call me Want there money I have told them to talk to you that yall are the one to call Not me .they call all the time I have talk to and man there his name is XXXX I told them if they had? to call yall and they keep call me they want there money that I do not have having and headline pay this right know that why I ask yall to help me with my bills Thank you
Product: Debt collection

I called XXXX XXXX XXXX XXXX and requested any documentation showing any of my information and signatures on a account that 's on my credit history. when I called I got the most rudest receptionist/ women ever. I was very clam with this lady after speaking with her about this account i requested a manager because she could n't help me. she could n't find me a manager after I requested one for the 5th time and all she did was continue to argue with me. I never got a manager but someone who he said he was a partner. Anyways ; once speaking with him and not really listing to what i had to say or was requesting he ended up getting an attitude as well. He told me only my lawyer can request any documentation and i would have to call the original creditor ( which I did but they gave me consumer solutions group phone number ). all i am requesting is any documentation and signatures showing i owe this account and if not I want these accounts off my credit report. I have no knowledge of how i ended up with these accounts and I want them deleted.
Product: Checking or savings account

I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.
Product: Payday loan, title loan, or personal loan

Ive tried multiple times to qualify for a loan with Affirm and they have repeatedly denied my application based on information they received in XX/XX/XXXX ( which was inaccurate ). Why is an incorrect score from XXXX being used when we are days away from XX/XX/XXXX? 

Id like someone to explain why Affirm is denying my various loan applications based on inaccurate information and a credit report from LAST year especially since doing so is a clear violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which protects me from inaccurate and unfair consumer information contained in my credit file and any adverse actions that stem from that like loan application denials.
Product: Credit card or prepaid card

My name is XXXX XXXX, the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name XXXX XXXX and all other variations of such name/entity. Notice, it is a fact, affiant is aware, credit as defined in 15 U.S.Code 1602 ( f ), is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 U.S. Code 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, meaning I, the affiant and the consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement. It is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ). Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by Discover, as seen in Exhibit A, violating 15 U.S.Code 1691 ( a ) ( 3 ). I was denied credit in this consumer credit transaction, which is an adverse action and in violation of USC 1691 ( d ) ( 6 ). Discover can not send me an adverse action and I have already completed the transaction when I did the credit application. This is aggravated identity theft because they took my business application and entered me into a consumer credit transaction ( knowingly took my business credit application and opened up a checking account without my permission ).
Product: Credit reporting or other personal consumer reports

I checked my credit report but I am still disappointed with how inaccurate accounts keep showing up on my credit report. I have no idea why this is still happening but please do check the documents I've sent regarding this matter.
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of XXXX. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, Equifax, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Checking or savings account

On XX/XX/2021, I received a letter from Charles Schwab notifying me that I had opened an account. The letter is dated XX/XX/2021. I called Charles Schwab and told them and they said that they are aware of it and are taking care of it. I believe I am going to have to freeze my credit.
Product: Credit card

On XX/XX/XXXX I received a message through my online Capital one credit card portal stating that all of my XXXX credit cards have been closed. Ive been a loyal consumer of Capital one credit cards since XXXX, Ive never missed a payment on any of my XXXX accounts to date. I was not afforded any warning, courtesy call, problem solution etc. from Capital one. All of my cards were abruptly closed without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

Trans Union received my dispute via CFPB # XXXX submitted on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and as of today more than 35 days later I still have not received results per their investigation. 
My dispute was based solely upon my privacy rights being violated because : FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without written instructions.

Trans Union requested information knowing that I have uploaded my identification TWICE and have sent it two other times by regular mail I can prove they received my I.D . Via CFPB uploads.

I am listing the following accounts in my dispute and again I demand that they be deleted in accordance with the Gramm-Leach -Blilley Act 6801,6802 and in accordance with FCRA 602 and FCRA 604 ( a ) ( 2 ) because they do not have written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX I am uploading my I.D . again in this dispute. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ) Trans Union has failed to conduct a reasonable investigation within 35 days and is compelled to delete the accounts entirely.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting itemsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was scheduled to close on XX/XX/29. We called and emailed many times to ensure everything was ready to go. On XX/XX/XXXX I was told to stop worrying and paperwork would be ready the following Monday. I was continually given excuses and told to keep waiting. I eventually called and demanded a manager look in to the situation as I was then just a few days away from closing with no final loan documents or wire transfer amount. I was later called by my title company and was told I needed to bring more cash to close to meet my minimum investment requirement. No one could tell me what this meant, including loan officer, processor or title company. Eventually the manager explained that the sellers credit for house repairs had to be used to buy down the rate. We did not want to buy down the rate but were forced to or be faced with losing our {$10000.00} earnest money which the seller could keep due to a missed closing date. Bottom line Amerisave kept final disclosures from me until a day before closing. They then changed the terms on me to force me to pay an exorbitant amount for a lower rate which we did not want. They did this at the last minute when we either had to accept their unfair and deceptive terms or be faced with losing $ XXXX in earnest money. They could not explain the delays in telling me this which eliminated my chance to switch loan companies back to XXXX who I was already approved with. They also couldnt explain what this minimum investment requirement even was as we were putting nearly 50 % down on the house.
Product: Debt collection

Presently there is a collection account in the amount of {$180.00} the collection agency is Credit Collection Services reflected on my credit report with XXXX, XXXX and XXXX. 

I had a renter 's insurance and automobile insurance policies with XXXX XXXX from XXXX to XXXX. 

I contacted XXXX XXXX to discuss this alleged balance owed and the representative advised was not able to locate any balance owed.