23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently noticed a collection on my account for the amount of {$2900.00} ; I did notice that the initial creditor was a hospital I had been hospitalized XX/XX/XXXX. I reached out to my insurance ( XXXX XXXX XXXX XXXX UT ) and they said they had not received a claim from this hospital for facility use only from the ER doctor. My insurance company advised that I reach back out to the hospital or the collection agency. I reach out to the collection agency Syndicated Office Systems /Central Financial Control on XXXX/XXXX/XXXX and spoke to a lady named XXXX ( badge # XXXX ) she stated that they had submitted that claim to my insurance. I explained that I had reach out to my insurance and they did not have any record of a claim from them. I asked if I can get the contact number to the hospital so that I can sort this out with them directly. She stated that she could not provide that information to me and advise that I reach back out to my insurance and request more information. Once again I reach back out to my insurance on XXXX/XXXX/XXXX spoke to XXXX at XXXX XXXX she then gain stated that they had no record of the hospital submitting their claim to them and offered to call the collection agency on a 3 way call. We got back on the phone with the collection agency and spoke to a gentleman by the name of XXXX ( badge # XXXX ). He went back and forth between us and his supervisor and stated they had submitted a claim. XXXX the insurance representative request to verify the ID number they had on file for me but the collection agency representative said they did not have that information. XXXX explained to him that blue cross did not receive their claim and that it could be a possibility they did not submit the claim correctly or with the wrong information ( such as the ID number or Alpha prefix ). The collection agency representative went back and forth with us and his supervisor and stated that they could not do anything on their end and they can not verify any of my information and refused to confirm where this bill was sent to for claim. My insurance company has confirmed that they did not file claim with any of my insurance information provided to them. I did my due diligence and provided the hospital and the collection agency with my correct insurance information however they refuse to do additional research on it to verify this account is accurately reported. It has now affected my credit report and I would like this to be removed until they can accurately verify this claim was properly submitted to my insurance with my correct information. The collection agency and the hospital were negligent in accurately submitting this claim to my insurance given they had copies of my insurance card and are now refusing to get this resolved. This has not only cause a detrimental effect on my credit but is also causing me an emotional distress.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify your bureau that I have been a victim of a data breach that has compromised my personal and financial information. As a result, I am requesting the immediate blocking and deletion of the accounts listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent and are a direct result of the breach. 
Please take the necessary steps to block and delete the following 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 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: Debt collection

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my rent have been paid in full. If this is not removed within 30 days, I intend to file suit.
Product: Credit card or prepaid card

I signed up for an American Express platinum delta airlines card Card ending in XXXX. When I went to use the card I was repeatedly denied access to the Delta Airlines club. This is in contradiction to the terms of the card, which states that I am allowed to enter the club. I was also denied access to affiliate clubs in a number of international locations including most recently XXXX XXXX. The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and was told by the AMEX REP would be absolutely no penalty, and or no clawing back of The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and told there would be absolutely no penalty, and or no calling back of prior benefits. American Express then sent me an on-site email telling me they have the right to do this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunprior benefits. American Express then sent me an on-site email telling me they have the right to do. 
this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunded, and well as any benefits to be reinstated. 

I also signed up for an American Express platinum card to replace this card. American Express will not honor this refund I will cancel the NEW card, which costs $ XXXX. 

I was on hold for over 40 minutes XXXX  XXXX the CS rep how threaten to hang up on me until I asked for a supervisor. that a supervisor never came to the phone and DID NOT CALL ME BACK AFTER 48 HOURS
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. 

On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. 

On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. 

In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. 

The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have fraudulent information removed from my credit file. 
Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that Transunion unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Also, Transunion did not follow XXXX XXXX COMPLIANCE LAWS when they put these violations of Inquiries, late payments, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Please see attached These are impacting my credit profile without my consent. Please REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX. Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.
Product: Credit card or prepaid card

I find it absurd because I have always made timely payments.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 someone opened an account under my name which I did not authorized I have been a victim of identity theft approx 1500 was the total loan amounts for
Product: Student loan

I was enrolled in an online degree program for my XXXX in XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. The program was through XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), in which their XXXX program was provided by a separate school named XXXX XXXX On XX/XX/XXXX the XXXX XXXX XXXX sent out a letter withdrawing accreditation from XXXXXXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX was officially closed permanently. When the school lost accreditation, I was enrolled in the XXXXXXXX XXXX XXXX and did not complete it due to this action. I did not enroll in a teach out program. I did not withdraw from the program. I did not have any sort of leave of absence during this time. I also did not enroll in another school to finish this program. According to the XXXX Department of Education, I qualify for my government and private loans to be XXXX by Navient, but they have declined my application twice, stating " The school to which your loans were disbursed hasnt been reported by the XXXX Department of Education as being closed. '' I've supply documents from XXXX and the XXXX XXXX XXXX stating these facts in which they still denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has reported an incorrect collections account which WAS REMOVED PREVIOUSLY XX/XX/2021. The account " XXXX XXXX XXXX  XXXX isn't my account, it has been deleted from all 3 bureaus due to inaccuracy. 
A proper investigation according to the FCRA was not conducted. This account was reported by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Equifax is continuously noncompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its imperative to me that my information reports with 100 % accuracy. The address Experian is reporting is incorrect Im asking for an immediate removal of the address below XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX asking for the address to be updated to XXXX XXXX XXXX XXXX XXXX, FL XXXX It looks like address was removed and reinserted
Product: Debt or credit management

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Forgive those who trespass against US! The above are violating the Fair Debt Collections Act with their abusive debt collections practices to the Consumer Credit Protection Act. They are also in Violation of the Truth in Lending Act not providing verified proof of authority with any detailed statements that they lend anything to anyone. I am the XXXX and not the XXXX. They are in fact agents and underwriters and are creating contracts designed to defraud and mislead which is unlawful under the Securities Exchange regulations Commodity Exchange Act. I have the Natural Right to make a promise without intending to keep it especially when XXXX  came to see that this was foolish and that I'll do myself a great harm by keeping any promise. I can with Supreme right [ jus ] break faith with such contract, and take my promise back. This is already paid for. I gave a security collateral, which is an extension of XXXX  estate.
Product: Payday loan, title loan, personal loan, or advance loan

Easy Money in Tennessee via their XXXX number XXXX requested if they were speaking to XXXX XXXX XXXX, I answered yes. They then requested my Social security and date of birth. Before I gave it to them, I requested if there were policies in place for this, upon hearing in the negative, I told them I was not verifying anything and I also feel the operator was starting to get upset over this situation since I asked the question. I told them when the money comes in, they'll get theirs. These creditors really need to learn to back off. Identity Theft and Fraud Is allegedly being committed right under the Board of Directors nose and everyone is turning a blind eye to it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Transunion and XXXX to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has Sr on it Heres the account number Account Name - XXXX XXXXXXXX Open date - XXXX Account name XXXX XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA XXXX5 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out about {$65000.00} of loans at a low rate of less than 4 %. Over time, the interest rate has gone up over 8 %. I now owe about {$120000.00}. FedLoan is calling that the principal balance. I paid about {$11000.00} in 2015 in payments, but only about {$2100.00} is going to principle ; the rest is interest. It is ruining my life and I need help. I can not save for retirement or hope to help my child with college. I sold my home to have a chunk of cash to pay off the loan and start over financially. Can you help me negotiate a fair amount to pay? I can pay it today, but I can not pay {$120000.00}. I can not get to someone in Fedloan to discuss a change ... all I get are the people who answer the phone and say that none of the programs will help me and I am just out of luck. 
Original balance if loans {$65000.00} They say the principal balance is {$110000.00} My payment of {$990.00} to pay off the balance as it currently stands is for 273 months. I have paid 10s of thousands of dollars already. This will make my payoff {$270000.00} for a $ XXXX loan at a low interest rate. This is not right. Please help me.