23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding These are three accounts that are not mine and are affecting my credit report negatively 1.Consumer Portfolios XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these items removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made it very difficult to reach a human being as i attempted to reach out to them on XX/XX/20 to discus my dispute with XXXX XXXX the response does not help me as a consumer knowing the information reported on my credit file is inaccurate and continues to lower my score week after week. When calling there contact line of XXXX XXXX XXXX i am redirected online it seems that they are not taking calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by TransUnion and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given TransUnion my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter to Franklin Collection Service asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16, said they would delete on XXXX/XXXX/16 and it is now XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.
Product: Credit card or prepaid card

I applied for my XXXX reward point in a statement credit cash value {$140.00} around XXXX XXXX my confirmation # XXXX i thought they said it wound take 4 to 5  days to receive the credit i called back after a week they said no it would take 45 days before i receive the statement credit which i should receive around XXXX XXXX so i waited over 45 days they started give me the run around putting me on hold, transferring me to another department line that never answered, I talked to a supervisors on different occasions when ever i talk to a person they respond saying i still have to wait. Now after XXXX months or more they said that i have to dispute it and that would take another 60 to 90 days of waiting for a response so now after 90 days they responded by denying me my {$140.00} statement credit and the reason for the denial was i didn't dispute the statement credit within 60 days from some date i'm not aware of because of all the run around they gave me i call back to talk other customer service representatives and they don't no what happen to my statement credit that i should have received so now i need the CFPB to investigate it for me. i think the reason for the fowl play is they never received any interest from me because i pay my debt in full before interest is charged
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted the three credit bureaus, creditor XXXX XXXX, and creditor Citibank , N.A . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two XXXX XXXX accounts and one Citibank account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX starting XX/XX/XXXX. Citibank and XXXX XXXX, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both XXXX XXXX and Citibank approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a XXXX XXXX Debt Management representative named Ms. XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, Citibank, and XXXX XXXX to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from Citibank and XXXX XXXX accounts be removed from the credit bureau reports but my request was denied.
Product: Debt collection

I have disputed with Diversified Consultants Inc about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX XXXX on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Diversified Consultants did not oblige. Diversified 's letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting. Since Diversified Consultant is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Product: Credit reporting or other personal consumer reports

BACK ON XX/XX/XXXX I a Requested that there were Fraudulent negative items appearing on my EXPERIAN CONSUMER credit report in addition to filing a CFPB complaint I ATTACHED an affidavit from the FTC concerning these accounts. Instead of honoring the FCRA UNITED STATES CODE FCRA 605B ( 15 U.S.C 1681 c-2 ) Experian Took into their own process of verifying accounts listed under the FTC affidavit and determined these said accounts were Validated and instead of removing these accounts they corrected false information that was previously reported on the EXPERIAN investigation they did not fully investigate all the accounts located on the FTC affidavit only one fraudulently reported account investigated and unlawfully deemed VERIFIED and EXPERIAN returned false information that the other two accounts located on the FTC affidavit were not on my credit report which they are currently reporting these accounts
Product: Credit reporting or other personal consumer reports

I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.
Product: Debt collection

I receive several calls every day from XXXX XXXX XXXX. Calls have been coming in for several weeks without any information left in the automated voicemail message they leave. Today I spoke with a representative twice within a 30 minute period, and I believe they have violated several sections of the Fair Credit Reporting Act. 

This company is operating with suspended registration from the XXXX. The company called me trying to collect a debt that I defaulted on more than four years ago ( 2011 ) and therefore is past the Statute of Limitations for consumer debt collection in California - I have not done anything to trigger the restart of the Statute clock. The company could not provide me proof that they were authorized to represent the credit card company and they tried to get me to make a large payment immediately threatening that if I did not pay this would be handled publicly. When I told them I can not be called during business hours they claimed they were noting a refusal to pay. They would not note that I should not be called during business hours, and they threatened to damage my credit if I did not pay today. 

I have no ownership interest in this company. I have not consulted other federal departments or an attorney. There is no lawsuit or court action pending. The address information is from the former filings with the CA XXXX. I have filed a complaint with the CA Attorney General. 

I would like the company to be held accountable to the fullest extent of the law for operating a business in CA without registration and non-compliance with THE fair Credit Reporting Act ( in addition to Section 1788.14 of the CA Civil Code. 

Contacts : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext XXXX
Product: Debt collection

I received a notice from Credit Collection Services for a debt that I do not owe. It claims it is for a cancelled account with XXXX, a company with whom I have never had a relationship. The letter gives many directions on how to pay but does not mention how to dispute or even that I am able to dispute/request validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem Am having with Experian is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. 

2 ) XXXX XXXX  XXXX Account XXXX Balance : {$1000.00} XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$900.00}
Product: Payday loan, title loan, or personal loan

I was paying a payday loan to Dollar Loan Center in XXXX XXXX, SD in about XXXX and then one day the place was closed and no forwarding address or anything. I was never contacted by the company again and then I learned that the state had closed them down. I have not heard from them or anyone else until XX/XX/XXXX. I received a letter from Dollar Loan Center in XXXX XXXX, SD that I was serverely delinquent on my account and had to make arrangements to take care of this or face additional costs of late fees, collection fees and if necessary, attorney fees and court costs. 
I don't feel after two years and no contact by them that I have to pay this at all. I went to their site on the internet and saw where this sore is closed and that the state division of banking had closed them. 
I have been XXXX and can no longer work and live on social security only and there is no way I can make payments on this anymore. I was able to work and was working when this was going on, but since had extensive XXXX on my XXXX  and XXXX and am XXXX. Please let me know what I have to do on this problem as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Every month XXXX XXXX runs a check on my credit this is taking points from my credit score. I called XXXX on XXXX XXXX, 2015 and reported this they said they could not find why my name is being ran for a credit check. They advice me to report this to the CFPB who will contact them and they will verify that I 'm not requesting a credit card from XXXX.
Product: Mortgage

BANK OF AMERICA MODIFIED MY LOAN IN 2012. AFTER PAYING FOR 10 MONTHS THEY DECIDED I WAS IN FORECLOSURE, TOLD ME NOT TO MAKE MORE PAYMENTS. WHEN I ASKED WHY THIS WAS HAPPENING, NO ONE WAS ABLE TO TELL ME WHERE THE ERROR WAS AND HAVE REFUSED TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Debt collection

XX/XX/2022 we were charged XXXX and on XX/XX/2022 we received a letter from the TRS recovery services saying we owe XXXX on an account that was an identity theft account. XXXX XXXX XXXX was the account that turned it into the collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where are the documents including accounting ledger and contract?
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union Credit Card... When I paid the credit card account with Navy Federal. The representative that I spoke said that she/ Navy Federal would send me a paid in full deletion letter.
Product: Credit card

I recently shopped at XXXX XXXX XXXX and took advantage of their XXXX % financing for XXXX  months offer. This financing offer was facilitated by a Wells Fargo credit card. I set up an online account to pay my bills and noticed the payment options were either a minimum or statement balance. The statement balance was the full price of the purchase. The minimum was about XXXX % of what payment XXXX of XXXX should have been. I set up autopay for the legitimate payment amount and set up a second individual payment because their autopay skips the first due payment ( XXXX, today is XX/XX/21 ) for some incredibly shady reason. I do not personally have a problem that needs solving. 

Wells Fargo is abusing their app configuration to commit fraud against their customers. By falsely representing the minimum payment required to fulfill the loan, they encourage customers to fail to pay the balance within the allotted time and accrue heavy interest penalties. This follows a long pattern of fraud and abuse with Wells Fargo and it should be investigated by a governing body.
Product: Credit card or prepaid card

Navy Federal Credit Union denied by consumer transaction. I was not given any information per the denial of my consumer transaction. Navy Federal Credit Union Violated 15 USC 1611