23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Daughter XXXX XXXX ( XXXX ) Signed a Student loan in her 3rd year in college thru Wells Fargo ( Her Bank ). I Co Signed the loan for her to continue her College, She dropped out 6 Months before she would have graduated. She has made payments on this loan since XX/XX/XXXX. This XX/XX/XXXX I began receiving daily phone callers regarding this loan. The callers said they are not allowed to talk to or mail anything to my daughter and I was needed to make up payments. <P/>I have talked with my daughter and she talked to the bank and could not find out anything so we have ignored this per guidance from her bank.
Product: Checking or savings account

XXXX XXXX took XXXX on XXXX/XXXX/XXXX with out permission. I tried calling them and only got voice mail. They have never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Citi today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

Citibank states we signed up for estatements in XXXXXXXX XXXX XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did Citibank send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 
What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at Citibank ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide Citi with a copy of voicemails left if Citi and CFPB would like to have them. There are NO MESSAGES from Citi and I have only 1 phone call that I received from them when it was 30 days past due. 

Citi should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).
Product: Debt collection

XXXX XXXX, XXXX XXXX Collections Dispute Great Plains Property Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to dispute the following information on my credit report. I have encircled the items of dispute on the attached copy of the report I received. 
This item Reported : XX/XX/XXXX Amount : {$500.00} Is false because I left the location with the rent paid in full through the end of XXXX. We have also never received a statement after move out or my mothers {$1000.00} deposit. In the state of SD, landlords have 21 days to provide a statement or return the deposit in which they did not. We moved XX/XX/XXXX and paid rent through XX/XX/XXXX and the deposit of {$1000.00} was never returned by the landlord. We never received any statement or the {$1000.00} deposit. The lease began XX/XX/XXXX and after XX/XX/XXXX we went month to month. A notice to vacate was provided to the landlord ( great plains property mgmt ) and all the keys were turned in and the unit was clean and left in the condition it was provided with all appliances that came in the unit, in the same working condition as upon move-in. I am requesting that the item be removed from both me and my mother 's credit reports. Enclosed supporting documents; supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, CFPB Enclosures : [ List what you are enclosing. ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account number:XXXX  This account is reporting inaccurately on my credit profile it says this account is charged off for {$680.00}. I asked the creditor for a 1099c form and they replied stating we are unable to fulfill this request because we have not filed a form 1099 c as there has not been a forgiveness or cancellation of debt in the amount of {$600.00} or more for this account please remove from my report immediately this account is reporting inaccurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.
Product: Credit card or prepaid card

USAA steals merchants credits claiming 2 credits on one purchase All Adjustment Purchases are INTERNAL and never appliied NOTE TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$910.00} And {$2600.00} Other credits that did not apply. USAA uses the appearance of credits by listing them however they are not part of the TOTAL CREDITS Consumers are tricked into thinking USAA credited and Merchant credited also so credit reversal valid BUT these do not credit So then USAA STEALS MERCHANTS CREDITS AS REVERSALS Leaving consumers back with fraud and a new charge not owed
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my 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
Product: Checking or savings account

For my trading account at the bank, they have locked my ability to access my online profile and get my needed tax information because they claim they need more information that includes what my net worth is, what the phone number of the company I work for is, how I achieved my level of net worth and what the sources were, what liabilities I have, whether I own a house, what date I moved into my house. This is a fishing expedition by the bank to get more information under the guise of security that we use for marketing and other abusive purposes. Im just looking to get my tax information that they never sent me in the mail. Im not even looking to make any trades. The bank is required to provide me with this information. 

The bank has been contacted about this type of thing with its service and hasnt done anything. Whats more : in previous complaints with the CFPB, Bank of America has shown a practice of just always claiming that it needs more time to extend to 60 days in order to review a complaint. The bank doesnt need this time but it just routinely does this to drag things out. Such a thing as lying to the government. In the case here, Bank of Americas frivolous telling of the CFPB that it needs 60 days will cause me difficulty because I need to file my taxes before the deadline.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XX/XX/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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a charge account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a charge account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 XXXX XXXXXXXX ) 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 16
81n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Checking or savings account

Received a XXXXXXXX card in the mail from Chime on XXXX XXXXXX/XX/XXXX. 

I called on XX/XX/XXXX. They confirmed an account was tied to my name and confirmed the last XXXX digits of my social were used to open the account. They would not give me info of any transactions or when the account was opened. 

They claimed the account was closed and then told me to submit this report.
Product: Debt collection

I have a bill showing on my XXXX  credit report for XXXX XXXX XXXX from Sunrise Credit Services when I have paid off XXXX XXXX XXXX XXXX for {$300.00}. I tried to pull up this account on their website but 2 security certificates pop up like the website is unsafe.
Product: Money transfer, virtual currency, or money service

This is my third complaint on the same issue as the company keeps closing the case without responding or solving the matter. The previous complaint numbers are XXXX and XXXX. 

Your global security team ( XXXX XXXX ) gave me false information and is uninterested in resolving the issue. XXXX mentioned your bank talked to XXXX XXXX at the receiving bank to recall the fraudulent wire but such person does not exist in XXXX XXXX XXXX. I asked her to look into the matter further to get me the correct information but she was not willing. I requested her manager ( XXXX XXXX ) to call me back but I have not heard back since XX/XX/26. I still do not have the proof that your bank tried to recall the fraudulent wire with the right entity. Please provide me with 1 ) date and time when the fund was delivered, 2 ) the copy of swift recalls you sent out.
Product: Mortgage

We are being foreclosed on illegally by Nationstar Mortgage because none of our ( 12 ) payments were credited properly to our account by them ( even though the account number is correct on all our reciepts XXXX. We have submitted all the receipts several times by XXXX, fax and have all the delivery dates confirmed, and they have been stringing us along, taking their time 'researching ' the issue but with no result. Meanwhile, they have scheduled to auction our property on XXXX XXXX. 2015. This has cause us immeasurable XXXX, and to top it all off, has ruined our pristine credit score.
Product: Mortgage

It's all of them ... XXXX  XXXX  especially! They tell you how great they are and then they sent you some off the figure.
Product: Credit card

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX, XXXX, Michigan  XXXX Phone : XXXX Email : XXXX Company Information : Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXXXXXX Phone : XXXX Complaint Details : 1. Summary of Issue : American Express has refused to update my account records despite my submission of valid legal documents, including a Durable Power of Attorney, Security Agreements, and Financial Statements. 

I have made multiple requests to American Express to update my account information, but they have failed to act or provide any valid reason for their refusal. 
2. What Happened : On [ Date of Submission ], I sent American Express the necessary documents to update my accounts. These documents included : accounts ) Durable Power of Attorney ( which grants me legal authority to manage my Security Agreements ( establishing my financial rights ) Financial Statements ( confirming my financial position ) American Express failed to process the updates and has continued to deny my requests. 

I contacted American Express via phone and written correspondence to resolve the issue, but they ignored my requests or refused to comply. 

Their refusal to update my records has caused financial harm, including restricted access to my accounts and potential damage to my credit report. 
3. Laws Violated : American Expresss actions may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires financial institutions to report accurate information and correct errors. 

They may also be in breach of their contractual obligations under federal consumer protection laws.

4. Resolution Sought : I request that the CFPB investigate American Express for their failure to process my account updates properly. 

I demand that American Express immediately update my account records in accordance with the provided legal documents. 

to comply. 
If necessary, I seek compensation for any financial harm caused by their refusal Supporting Documents : ( Attach copies of the Durable Power of Attorney, Security Agreements, Financial Statements, and any correspondence with American Express. ) Declaration : I certify that the information provided in this complaint is true and accurate to the best of my knowledge. 
Signature : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute of a credit inquiry from an entity which is not a creditor, is not my creditor and for which no application was made by myself for the same and received a response as follows : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX The entity improperly requesting the report for this unauthorized reason was permitted to illegally view my credit file without consent. Equifax needs to immediately remove the inquiry and issue a check for the percentile difference in the amount of {$71.00} for the cost to me on the annual homeowner insurance premium increase due to this incorrect inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting

I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these XXXX accounts.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a complaint against IC System XXXX for improperly reporting a fraudulent medical debt to credit bureaus and failing to contact me or verify the accuracy of the debt before sending it to collections. I believe their actions violate fair debt collection practices and have caused undue harm to my credit. 

Details of the Complaint Debt Collection Account : IC System XXXX opened a collection account on my credit on XX/XX/year>, for a medical debt. The agency never contacted me by mail, email, or telephone before reporting the debt to the credit bureaus, despite having all my correct contact information. 

Inaccurate XXXX XXXX : The amount reported by IC System XXXX does not match the amount billed by the medical provider. The collection agency admitted they did not verify the accuracy of the debt before sending it to collections. They stated that they don't have a copy of the bill for review. 

Underlying XXXX XXXX XXXX The medical debt in question arises from fraudulent billing practices by the medical provider, including : - Billing for unauthorized services that my PCP never ordered. 
- Billing for services not rendered or performed. 
- Billing for unnecessary services. 
- Bill for unbundling ( e.g., splitting services into separate bills to inflate costs ). 
- Falsifying my medical records to support unnecessary charges. 

Concerns of XXXX fraud at XXXX Imaging Specialists ( XXXX XXXX, CA ) : My PCP ordered XXXX ultrasound and one preventative mammogram but the radiologist, XXXX XXXX, billed for XXXX services in a single visit. For example, radiologist billed for a sonogram that was unauthorized and unnecessary, in addition to the authorized ultrasound that came out negative. Radiologist charged for a diagnostic mammogram in addition to the preventative mammogram for the same XXXX during the same visit. She billed me for the preventative mammogram by using unauthorized codes to inflate the bill. She created a second, false bill by alleging a second visit, which never occurred. She falsified my medical record to support her unauthorized services, by claiming that she found a suspicious lump. However, my PCP examined my XXXX after her report, and found that there was no XXXX lump of any kind. The medical provider has refused to correct the bill and has threatened to double the amount if unpaid, a practice I believe is illegal. This provider is currently under FBI investigation, with over XXXX other patients reporting similar fraudulent schemes. 

Impact on My Credit : The medical debt was reported to credit bureaus without my knowledge and began affecting my XXXX XXXX before I was notified. 

IC System XXXX failed to : - Verify the debt with the medical provider to ensure it was accurate or legitimate. 
- Attempt to contact me before or after reporting the debt. 
- When I contacted IC System XXXX, they confirmed they lacked a copy of the bill and had not verified its accuracy. Their failure to follow proper procedures has compounded the harm caused by the fraudulent medical provider.
Product: Credit card

I had a service done in late XXXX at Ulta Beauty that I was billed for, for {$21.00}. I wrote the check for that amount on XXXX  and mailed it. I get a bill/credit card statement in the amount of {$21.00} the following month. I called to tell them they received the payment and the women told me the {$21.00} was a late fee. They said they records show payment was late. I don't know if the mail has caused it to get there late or someone posted the payment to my account late. I did not pay the late fee. I told them it was an outrageous late fee. Now I receive another statement with an additional late fee of {$21.00} for not paying {$21.00} plus a {$2.00} interest fee. This bill is now up to {$45.00}. I have never seen anything like this in my life. Charging late fee on top of late fees. I closed the account but the late fees keep coming.