23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX XX/XX/XXXX. XX/XX/XXXX, after insurance payments had been settled, my doctor 's facility billed me for {$3600.00}, which I believed to be in error. XX/XX/XXXX I contacted his office and spoke to the billing department and explained that because the doctor was in-network I expected to pay only my {$500.00} deductible. They agreed that I was eligible for the in-network rate, that I owed nothing to the facility, but instead I owed {$340.00} to the doctor to meet the remainder of my deductible. On XX/XX/XXXX I received this revised bill for {$340.00}, which I paid in full on XX/XX/XXXX. 

XX/XX/XXXX I noticed a collections account reported on my credit report for {$3600.00}. I had not recived any communication from this debt collector prior to the notice appearing on my credit report. I contacted the credit bureau for the debt collector 's contact information. I called them, explained this situation, and provided documentation. They are claiming that I still owe the original {$3600.00} which the doctor 's office billed in error. I attempted to resolve this with the doctor 's office directly, but the doctor has since moved and that office is no longer open.
Product: Debt collection

First Source Advantage LLC, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
First Source Advantage has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due XXXX XXXX account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XX/XX/2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by First Source Advantage are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX  XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXXXXXX XXXX, but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.
Product: Mortgage

I entered into the Forebearance program with Wells Fargo ( WF ) and missed two payments, XXXX and XX/XX/XXXX. I was told by WF to continue payments when possible so I began making payments with the XX/XX/XXXX due date. On XX/XX/XXXX, XXXX had me sign a Loan Modification which moved my two missed payments to the end of the loan and gave me the new terms of the loan with first payment due XX/XX/XXXX. I continued making original loan payments. 

After a month of no update to my loan profile on Wells Fargo online, I contacted WF and they said it takes time to process and my profile should update soon with the new terms. My profile said I was overdue on payments and had an outstanding overdue balance. I continued to contact WF weekly and they promised it would update soon. And I continued to make full original loan payments on time. 

Then WF contacted me in early XXXX and said I no longer qualify to the new loan modification since I continued making payments. They advised me GNMA requires 90 day deferred payments and I only had 60 day deferred payments. They said I need to miss one more payment to qualify and I should miss XXXX payment to qualify. I missed the XXXX payment as advised. 

I was then contacted this week, XX/XX/XXXX, and told I do not qualify for the loan modification I signed in XX/XX/XXXX because GNMA is not offering it any longer. They said I must enter into a new loan modification and will need to make 3 more consecutive payments to qualify. 

I have called WF numerous times to complain and explain my situation over and over but most times the representative on the phone transfers me and/or does not know how to help. 

What can I do now?
Product: Credit reporting or other personal consumer reports

There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on 3 separate occasions. XX/XX/XXXXXXXX XXXX XXXX XXXX The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after XXXX on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.
Product: Checking or savings account

Ok i have a citi bank account and they now have locked my account twice for no reason like one minute i can use card next i cant then when i call customer serivce and provide them my information they can access my account then they transfer me over to a fraud department which makes no sense how they handle things cause they ask to provide a number to verify account and when i give them the same number connected to my account they say it cant be verified but when logging in my app it sends me a text message to log in. So they just doesnt add up and im also sure it vioaltes multiple banking laws. Cause if your not able to verify number they make you wait 5 dsys for a letter with reference number so your not allowed to access your money till then so they illegally withold your money cause once the letter arrives all they want is the reference number then its unlocked. You would think after the first time it happens they would make a note of it in the system but they dont. And it seems im not the only person to have this issue with citi and that means this is a problem that needs to be fixed. We do not bow down to any banks we are free americans and im not going to allow citi or anyone to openly violate my rights as a free person. If the number i give is same number already on my account that i use to log in then by law they have to allow it to pass verification. Cant pick and choose what you want the number to be good enough for. Its either all or nothing so i want this fixed and dont want to have to deal with it again and if not i want the consumer finance protection bureau to file a class action lawsuit on behalf of the people cause thats why the CFPB was estabmished by congress just for reasons like this
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : Experian, XXXX, and XXXX ) XXXX What happened Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Account has been written off and still being reported monthly as open late with profit loss status. 

Account with XXXX XXXX XXXX is clearly aged out it has been listed since XXXX This limit is 7 years this has been almost 10
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. 

On XX/XX/year>, I purchased a vehicle from XXXX XXXX. I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/year>, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to Bank XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ), these inquiries were not stopped. As a result, my XXXX XXXX has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.
Product: Credit card or prepaid card

A few weeks ago I was on the XXXX website looking at a snow blower model that XXXX XXXX had recommended. Yesterday I received a XXXX credit card that I neither requested nor applied for. This morning I called the number that came with the credit card to cancel the account. The " customer service ' representative ( XXXX ) I spoke to was asking me for very personal information including my date of birth and social security number. Why in the world would they need that private information when I'm cancelling a credit card I didn't even apply for? When I resisted & questioned giving the private information she said " you mean the information we already have? '' When I refused to give my SS number the representative stated that I could either answer all of their questions or she would end the call!!!! I asked for a supervisor, she told me she didn't have one and then hung up on me. I am furious! How does this person even have a job, especially talking to customers? Is it even legal to send me a credit card I didn't apply for? I'm not sure if this is a XXXX problem or a Citibank problem ( I think they are the credit card issuing bank ), but either way somebody has a huge problem.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to my previous request under complaint XXXX. You did not respond to that complaint because of address information. Please note, I have moved. My new address is XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX. 

Your full name including middle initial. XXXX XXXX XXXX Social Security number XXXX ( attached copy of card ) Complete addresses for the past two years : Current : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Previous XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX Date of birth XX/XX/XXXX Please see passport ID and card. 
Please see insurance bill dated XX/XX/XXXX You are in violation of 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( and Section 611 ( 5 ) ( A ). Delete these items or I will file a lawsuit against you. This is my original complaint below. On XX/XX/XXXX I sent a verification letter to Experian requesting verification on three accounts. ( see attached letter ). Requesting Verifiable Proof USPS tacking XXXX XXXX XXXX XXXX XXXX I have attached a photo of the envelope with tracking as well as the USPS tracking that shows it was delivered at XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Experian wrote me back saying that the accounts were verified, but delivered no such proof. On XX/XX/XXXX I wrote back ( tracking XXXX which was delivered on XX/XX/XXXX at XXXX ) Your report states : This item was updated from our processing of your dispute in XXXX XXXX. Please be advised that updating is not the same as verifiable proof, and you failed to provide any such verifiable proof. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Experian had 15 days to respond. I did not receive a response until XX/XX/XXXX almost one month later. This is cearly over the 15 day verification limit. Please have Experian delete these accounts. On XX/XX/XXXX I sent a FCRA 611 ( a ) regarding USBK Court XXXX  XXXX reference XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX that was delivered XX/XX/XXXX. On XX/XX/XXXX, I finally received a response where Experian says this was verified but does not say how AND THEY HAVE EXCEEDED THE 15 DAY TIME LIMIT AND THIS MUST BE PERMANATLY REMOVED. On XX/XX/XXXX. I sent a verification letter to experian XXXX XXXX XXXX XXXX XXXX under FCRA 611 ( a ) ( 7 ) to verify USBK Court XXXX  XXXX reference XXXX that was received on XX/XX/XXXX. As of XX/XX/XXXX, I have not heard about this, and Experian has exceeded the 15 days THIS MUST BE PERMANATLY DELETED.
Product: Mortgage

I received an insurance claim check for repairs after a small fire. The check was made out to me and my ( then ) mortgage company. The mortgage company put the check in a " restricted escrow '' account. Before the money was totally dispersed to me, the mortgage was paid off. On the payoff quote was stated that the money could be applied towards the payoff. I spoke with the department that handles insurance claims and was told that once the mortgage was paid off, the money would be released to me in total. I was also told that the insurance claim department released the money back to my account and customer care would be handling cutting the check and sending it to me. This was in XXXX. The mortgage was paid off on XX/XX/XXXX. The mortgage company has not released the check nor will they give me an answer as to when the money will be released. I called numerous times throughout XXXX & XXXX, I have been transferred back & forth between arguing representatives as to which department is responsible. Last week ( XX/XX/XXXX ) I spoke with the escalation department who assured me they would have an answer in 5 business days. I did not hear back today and called them again. I was told they are still looking into this and will try to get to me with an update by the end of this week. I have yet to receive an explanation as to why the money has not been released. ( I have notes with names & dates of my phone calls )
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/ my wife and I went into a XXXX store to purchase a new dishwasher on a XXXX XXXX XXXX sale for {$390.00}. We presented a major credit card but were offered 25 % off if we applied were approved for a XXXX credit card. I did and was denied. So my wife did and she was denied. Speaking with a XXXX XXXX  rep on the phone at the store, we were told we would receive an explanation on the mail. We did and it said that Experian had stated that we were both deceased. So I went to their website, enrolled, found my score was XXXX, and complained on their website that we are not dead ; why did they tell XXXX XXXX  that and who besides ourselves is liable for the {$100.00} we lost by being denied. They have not responded.