23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello GLA Collection Company, This message is in response to an itemized list you provided. I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not RECALL giving permission to GLA Collection Company access to my PRIVATE HEALTH INFORMATION. The form you provided does NOT include my signature and consent to release private health information. This is a violation that allows me to seek damages. I expect GLA Collection Company to be removed from my credit report with all 3 agencies ( XXXX, XXXX, XXXX ). All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX
Product: Debt collection

This account was created fraudulently without my knowledge or consent. I am unaware who created this account and have fought this several times for several years. I am a victim of identity fraud. I have provided all necessary documents proving this is fraud. I was living in a different residence when this account was created. This account stayed open fraudulently from XXXX. I have submitted all proof again.. please remove this from my credit report asap. Thank you.
Product: Debt collection

In XX/XX/2020, I Called to inquire on a letter received, I proceeded to ask multiple questions but rep started talking to me aggressively repeating to me if I am not going to make a payment then the conversation is done. With every question I asked concerning the debt they say I owed, the answer was she don't know. A couple weeks later, received a letter in mail from a lawfirm In which the debt collector had hired them to seek help in collecting. I called that lawfirm and asked questions. They informed me they had already filed suit on this account with the courts. I was in total shock, I was confused as to who this lawfirm was and confused as to how they were in connection with the debt collection agency.
Product: Credit reporting or other personal consumer reports

Hey, so there's this thing called FCRA 605B, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and again on XX/XX/2021 I sent letters to Experian XXXX and XXXX concerning a PAID in full charge off that still reports as a negative on my credit report. I provided the agencies with the receipt letter and information. The letter sent asked that the credit reporting agency Remove the PAID in full charge off from my credit report. XXXX complied and Removed the Charge Off from my XXXX report. After several phone calls and the additional letters, Experian and XXXX has refused to remove the Charge Off. I will attach the receipt and XX/XX/2021 letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have tried submitting dispute requests via mail to ExperianXXXX, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXXXXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977
Product: Debt collection

In XXXX, I purchased a large item from XXXX XXXX. Comenity Bank is their finance company. I made regular, on-time monthly payments toward the purchase. 
On XX/XX/XXXX I sent a {$200.00} payment to Comenity, ; check # XXXX. 
I received a bill from XXXX XXXX stating that I still owed the {$200.00} along with interest charges and a late fee. I called and spoke to someone in customer service in early XXXX and wrote a letter on XX/XX/XXXX stating that according to their customer service rep, that they show no record of receiving the payment for {$200.00}. However, I explained in the letter that I checked with my bank and the check cleared on XX/XX/XXXX through their bank. I asked them to please remove this owed amount from my account including the added interest charges and late fee. 

On XX/XX/XXXX I received a letter that they are looking into my claim. I sent them documents as proof of the deposit i.e. copy of both sides of the check, the routing # 's etc. 
They sent me a letter dated XX/XX/XXXX that they were unable to verify that the bank had received these funds and that they have concluded their investigation. 

I sent them a letter on XX/XX/XXXX demanding that they figure this out. They sent me a letter on XX/XX/XXXX stating again that the investigation has concluded. 
They proceeded to send me a bill for {$260.00}. 
On XX/XX/XXXX I sent a payment for {$67.00}, the accrued interest which I did not owe, in the hopes that they might leave me alone about the original {$200.00} that I had already paid. 
Since then I have received frequent texts, emails and another bill as of yesterday in the amount of {$200.00} as my total balance due. {$200.00} is the original amount I had already paid and now they are still asking for the {$200.00} and more interest charges. 
I will be glad to provide you with all documentation required if needed.
Product: Credit card or prepaid card

Truth in Lending violation by Synchrony Financial. On or about XX/XX/XXXX I applied for an increase to {$100000.00} for my Lowes Card issued by Synchrony Financial. I provided XXXX income tax returns and other data via fax. Later, I provided XXXX returns and recent pay details. The increase was needed to finance the purchase of a kitchen remodel for a property we have purchased. The increase was approved on or about XX/XX/XXXX. The increased line amount was reflected immediately on the Lowes Credit website. A few days later, I received a letter via USPS stating the line availability was now {$100000.00}. In reliance of this contracted amount with Synchrony/Lowes Credit and only due to the financing being secured, I proceeded with the related purchases from Lowes. To date, partial payment of the purchases amounting to {$66000.00} have been made on cabinets and appliances and associated labor. The balance remaining is needed to pay for all related construction, plumbing and electrical work and critical items such as permitting. On XX/XX/XXXX as I attempted to make the final approx. {$30000.00} payment, we discovered the account had " been placed under review '' and further advances declined. Synchrony first claimed they were concerned with ID theft. Following confirmation of my ID via their processes, they switched to the explanation of the account being " reviewed '' and the manager refused further details leaving me completely is the dark. We will be substantially financial harmed as we now need to secure replacement financing and our renovation will be delayed. This further delays our move in and rental of our current property, all substantial financial penalties for doing nothing but relying on Synchrony Financial 's offer of credit. As a substantial earner with a credit score in the XXXX, I expected more. Furthermore, I am a XXXXyear XXXX XXXX so I recognize an extremely poor performance and breach of contract and Truth in Lending when I see it. Approving credit and then allowing a customer to get themselves indebted and therefore tied to their customer Lowes then unilaterally withdrawing credit even temporarily is beyond inconvenience and should be subject to review and sanction by CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I was charged a cash advance fee for a transaction that was incorrectly categorized. I asked Citi to grant a one time refund and they were unable to. I then asked to dispute the charge as the services were by definition not as described by the merchant. I was then hung up on by the representative and did not receive a call back.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I went to the emergency department of XXXX XXXX XXXX in XXXX, AL due to inexplicable bleeding and pelvic pain. I didn't see a bill from the hospital in months and later to get out an abusive relationship causing me to move back to Texas in XX/XX/XXXX. When I moved back home to XXXX on XX/XX/XXXX, I changed my address so my mail could be forwarded to me. I never received any documentation from the hospital regarding my bill at my current address. The only thing I received was collection calls regarding the physician bill ( XXXX XXXX XXXX XXXX and I paid a settlement of {$100.00} on XX/XX/XXXX at XXXX XXXX  and given the confirmation number XXXX ). I figured everything was fine until I received another phone call on XX/XX/XXXX from Franklin Collection Services Inc. regarding my account. The representative I talked to couldn't explain what the bill of {$150.00} was regarding so I contacted the company on XX/XX/XXXX regarding verification of this bill and initially tried to dispute it due to never being informed of this bill. On XX/XX/XXXX the company enclosed a copy of the original creditors billing statement inside it entailed the price adjusted for my treatments and that my bill went into collections on XX/XX/XXXX but no one has documentation that the bills were sent to me. Since the debt was verified as mine on XX/XX/XXXX, I submitted {$5.00} to start making payments, however on XX/XX/XXXX, I notice they took more from my account than what I submitted on the slip they provided thus causing my account to go into the negative. On XX/XX/XXXX the bank returned the amount that was taken out back to my checking account, but I was charged a returned item fee of {$36.00} making my account in the negative for {$20.00}. On XX/XX/XXXX I received a notice of " dishonored instrument '' saying according to Mississippi Law they are putting an additional charge of {$40.00} to my debt. I am hesitant to pay them back since I couldn't even trust this company with {$5.00} and it irks me that the company never contacted me within five days with a notice of my debt that includes the following information : the amount of the debt, the name of the original creditor to whom the debt is owed and a statement describing your right to dispute the debt.
Product: Debt collection

XXXX/XXXX/17 midland funding brought the debt ... it was charge off .. from room place.They start garnishing my check .I lost my job then the harassing phone call started ..The amount they are trying to collect in not the account that was old on the account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Incorrect Late Payment Reporting Creditor Name XXXX XXXX  Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX  Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.
Product: Credit card

On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction and they never did after 2 weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. 
After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was left was taken from my credit and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. 

Despite my efforts to matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds constitute a violation of FCRA section 611 and has caused significant financial harm.
Product: Student loan

I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...
Product: Credit reporting or other personal consumer reports

Under FCRA Section 606 ( b ), it is illegal to include information on my credit report without my explicit permission. Additionally, according to 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written consent. These provisions are in place to protect consumers from unauthorized and fraudulent activity, ensuring our right to privacy as stated in 15 U.S. Code 1681 ( a ).

The following entries on my credit report were made without my authorization and appear to be fraudulent : Date Company Category XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  I did not authorize any of these accounts or transactions. As such, these entries constitute a violation of my rights under the FCRA. I request that you immediately investigate these fraudulent activities and remove the unauthorized entries from my credit report. 

Please provide me with written confirmation of the removal of these items as soon as possible. If you require any additional information to investigate my claim, please contact me at the address or phone number listed above. 


Note i do not want to activate any theft protection at the moment with any of this companies XXXX, XXXX or experian DO NOT, I dont see transactions or any accounts actually open except for unauthorized unknown inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXXXXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Today XX/XX/2022 I tried to use the money that I have on my account to pay for some stuff that I need and I see a declining transaction multiple times. I decided to call this people from Credit Karma and asked them who authorized the cancelation and lock of my debit card, nobody can give me a true answer. They told me that the customer decided to lock the account which isnt true, I have never locked my account or debit card. How am I gon na do that and keep me without money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at XXXX XXXX submitted for lates to be removed but during that time XXXX XXXX reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to XXXX XXXX. This is a 5 year plan and I have 4 years to go and have never missed a payment.
Product: Checking or savings account

I filed a dispute of 3 charges for {$20.00} dollars each for XXXX on the same date totaling {$60.00}, I contacted XXXX and they stated they never charged my bank card for these charges I would have to file a complaint with my bank which I did and they refuse to refund my money saying I have doing buisness in past with merchant, I never said I never used merchant in tthe past I am contesting these charges because merchant is stating they have no charges of these in there system, this bank is a total fraud and should be investigated I want me funds returned to my account immediatly or I will sue