23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection Agency : PHNX FINAN Original Creditor : XXXX XXXX XXXX Amount : {$790.00} Status : Open Opened Date : XX/XX/2018 I am being billed for medical services rendered by " XXXX XXXX 's Emergency Hospital. '' I am XXXX  years of age, meaning I am not even eligible to be treated or billed by XXXX XXXX 's XXXX facility! I have never been the parent or guardian of a child in my life. I am single with zero children. I have never cared for any child, nor have I lived in any home in which a child has even cohabitated! I do not understand how/why I am being billed for services from a facility that is literally IMPOSSIBLE for me to have even acquired a single cent of debt, let alone {$790.00}! I've mailed the collections agency in reply to their debt collections correspondence, and replied to original correspondence regarding any debt related to XXXX XXXX XXXX XXXX directly to the billing facility, as these are clearly, simply not possobly correct. These attempts to collect charges for bogus services I am clearly, simply unable to incur have tarnished my credit. I've replied to creditor and the facility, but received no response. I disputed this debt via aXXXX dispute which somehow returned a decision that they had found these debts to be valid even though they are simply impossible for me to incur via my age and lack of children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST XXXX REPORTED XXXX ACCOUNT TYPE Installment XXXX XXXX. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING XXXX DATE LAST ACTIVE XXXX PAY PATTERN XXXX XXXX PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT LEVEL : XXXX XXXX COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO RECOVERY ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax XX/XX/XXXX to update this suspicious information. I think youhave not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late dates on this account XXXX OF XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following 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 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

I was scammed out of approximately XXXX dollars a couple of months ago. I was promised a puppy and paid the owners of the dog. When it was time to receive the dog they didnt show up and used fake websites and accounts to reel me in. I clearly didnt get what I paid for and have now lost a lot of money to people are potentially scamming. I called Wells Fargo and they didnt help me and didnt give me any solutions or pointed me into a direction that could solve my problem. They were incredibly lackadaisical even though it was a clear scam. The names of the dog owners didnt match the names of who the money was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in hopes that you can assist me in dealing an Experian Credit Agencies investigation of 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX debts that were invalid. 

I am a veteran of XXXX  and XXXX and have been using my XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX since XXXX. On XX/XX/XXXX I received a letter from the VA stating that an overpayment had been made for my benefits. I submitted an appeal on the same day of receiving the letter stating that this was due to circumstances that were beyond my control. I kept in contact with the XXXX VA XXXX regarding the appeal and was told that it would take a while due to a backlog of benefit paperwork. I started to receive letters from the XXXX XXXX XXXX XXXX  invoicing me for the overpaid benefits. The XXXX XXXX assured me that the appeal status would determine whether the debt was valid. 

On XX/XX/XXXX, to my horror, I noticed that the XXXX XXXX XXXX XXXX  had posted 3 accounts to my credit report with the status of " In Collections ''. On XX/XX/XXXX, I received a letter by the VA stating that the appeal was in my favor and am no longer responsible for the debt. The XXXX XXXX XXXX refuses to remove the 3 accounts from my credit report. The debt never went to collections as it now states. It never left the XXXX XXXX XXXX and the amount of debt was waived by the appeal. 

Experian was unwilling to remove the account from my credit report.
Product: Credit reporting

On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.
Product: Debt collection

I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my XXXX account. They used my XXXX account to make several payments. I reported this to XXXX as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the XXXX account balance was - {$310.00}. XXXX knew this was due to the fraud, but the amount got transferred to a debt collection agency : American Coradius International ( ACI ) LLC ( XXXX ). ACI has sent me a collection notice and a bill for {$310.00} despite the fact that XXXX has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

This complaint stems from the same issues as my prior complaint. Transition has now reported the collection that I did not have any notice about. I want them to remove it.
Product: Debt collection

Contacted the specialist handling my debt collection and or complaint. She was not willing to settle nor provide any information to close the case. Consumer was willing to settle case and debt collector unwilling to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Hope you straight Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wanted you to know I dont agree with this debt Best time to hit me up is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time Anything else like live calls or voicemails aint workin for me Thanks for understanding XXXX
Product: Debt collection

northland group current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX oringinal account # XXXX northland ref XXXX northland phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
Product: Debt collection

I received a notification some time XXXX that a debt was owed by an account I did not open. XXXX my home was broken into and since then I have noticed identity theft on my credit report. I have been trying to get the company to send me information about the debt but I have had no luck. The debt was said to be open XX/XX/XXXX. The name of the debt collection is Rash Curtis And Associates. Original name XXXX  XXXX XXXX XXXX XXXX XXXX. While waiting on a response I have gotten a police report for identity theft and got a fraud alert on my credit report.
Product: Credit reporting

XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
Product: Vehicle loan or lease

I am writing in reference to the account with American Credit Acceptance located at XXXX XXXX XXXX XXXX XXXX, SC XXXX, which you claim I owe {$21000.00}. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Mortgage

I refinanced my mortgage at the end of XXXX and now PHH XXXX handles it. It was late XX/XX/XXXX when I noticed that one of my tax bills was marked as delinquent. I have two property index numbers associated with my mortgage. One is my condo and the other is my deeded parking spot in the same building. The tax payments for both were always handled through my mortgage in the past but clearly, the deeded parking spot was omitted when the refi happened. I alerted PHH about the issue right after the new year and they have logged a ticket for a resolution, but this is still not fixed and the delinquent tax bill keeps being charged delinquency charges in lieu of PHH not taking care of it. As of XX/XX/XXXX PHH is still passive on this issue. After a veyr long and frustrating phone call with PHH, I got the name of the company they work with for tax payment, called XXXX XXXX. I called XXXX XXXX ( they handle the tax payments with/for PHH ) directly to figure out what the problem is since PHH blamed them for not responding to the ticket they logged with them. A very helpful customer service agent helped me at XXXX XXXX. She noted that not only has PHH not submitted the overdue/delinquent tax amount due last year, but they also screwed up my account even more!!!! Instead of simply adding the deeded parking spot alongside the condo, they omitted the condo tax bill and only added the deeded spot. Had I not called XXXX XXXX directly, this would have turned into a much larger mess than it already is. I am hoping that this will be resolved quickly now that I have gotten some clarity and action from XXXX XXXX, but I am concerned about PHH in general and that they will try to make me responsible for the delinquency charges that have accrued on the parking spot tax bill. There is no reason for the passive/non-urgent response from PHH, not to mention that they were in the midst of messing up my account even more!!! Frankly, it's disgusting that I have had to be the one to take initiative on things they should have been doing all along, i.e calling XXXX XXXX to check on the status/pressing for the resolve of this issue. I have never been late on a payment once, so this is just a gross display of PHH XXXX lack of concern and consideration for me.
Product: Credit card

The Bank of America XXXX XXXX card, knowing my credit score, gave me a card with a specific limit. I used a portion of that limit ( no where near the limit allowed ) and made large payments each month. ( Never the minimum. ) Out of the blue they dropped my limit, creating an adverse situation with my credit score by making it appear I was using a credit card to its limit - a new LOWER limit they created. As a result of this, now other cards are following suit. Because of BofA and for NO OTHER REASON, I now look like Im overusing my credit card limits. There should be consumer protection for this sort of bait and switch XXXX. Dont give people cards with high limits and then drop their limit after they use the card. This has a bad effect on their credit score completely perpetuated by the companies giving out cards like candy and then XXXX the consumer. I did contact the company twice to request they raise my limit and they have refused. I now hate them with the force of a XXXX suns.
Product: Credit card

XX/XX/year>, XXXX XXXX XXXX {$3400.00}. Simply put. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the next day. We were to pay cash up front {$500.00} for this. Later insurance company approved a {$10000.00} payment. The XXXX did not happen. It happened XXXX days later. They did not get the stone. Went down a second time XXXX more days later and did get it. They stated he must have a XXXX XXXX XXXX that he did not have to have on the XXXX day. Proper treatment was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he is XXXX, out of XXXX and fine. Instead of a {$500.00} operation it was {$10000.00} in insurance and {$4200.00} in cash. Chase stated to me they needed a XXXX opinion from a XXXX, which we could have given them XXXX at the time. They initially turned down the dispute as they stated they tried to contact me to provide this. They did not. I di not get a message via email. No message through their portal. No telephone call. Now we have started litigation with the clinic. A hearing proving probable cause has already happened and the suit is going forward. The judge has demanded medical records that the XXXX can not provide. And will not. As we have provided the medical records sent to the insurance company that this along with medical professional testimony have established billing fraud, as well as medical malpractice. It is a court order to provide these records. A second request has been made of the court. This time they are enforcing criminal action if they are not in compliance.
Product: Debt collection

Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. 
I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. 

I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate
Product: Mortgage

To whom it may concern Hello, my name is XXXX XXXX. I am trying to refinance my home. I just found out in XXXX that my credit score has gone down significantly because of two 30 days past due claims by my mortgage company in XXXX and XXXX. This was a surprise to me considering I never missed a payment. Since the origination of my loan my payments have been between XXXX and XXXX per month. I always pay XXXX just to insure I am paying above the amount of the mortgage. 
In XXXX. I received a letter stating that I was going to have forced insurance if I did not provide proof of insurance. In XXXX. I had my insurance provider send proof of insurance. Assuming that the problem had been resolved I continued to make my payment as usual. 
My mail is not reliable, so I was not aware that fifth third bank had misplaced the proof of insurance and raised my payments up until I got a phone call from fifth third bank notifying me of my partial payments in which I immediately brought the account current. I had my insurance company resend my proof of insurance and the problem was corrected and they mailed me a reimbursement check. I assumed that because they were willing to correct their mistake they would also correct their credit reporting but I was mistaken. 
In XXXX they said that I was an entire month delinquent. Upon further investigation it was determined that my regular payment was not being recognized because it was a partial payment due to an escrow adjustment that I was not aware of. This was corrected and I immediately brought my account current. 
Because of this confusion they reported to the credit bureau two thirty days past due claims. I asked them to correct this, and they said they could not because the shortages were not because of the mistake they made on my insurance, but rather the escrow adjustment. I feel this was an unfair reporting since I was working on resolving an insurance dispute with them at the same time as these adjustments were made. They have since adjusted my escrow back to its original amount. ( very suspect ) They are not accepting any responsibility for the misplaced payment or the mistaken laps in insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXXXXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
Product: Debt collection

I

have never done business with Jefferson Capital... I never bought an item, paid for a service or signed any contract with Jefferson Capital Additionally. they have added a collection to my credit profile and labeled it open. How is something open and in collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the actions made by the Credit Reporting Agencies! This is my 11th CFPB Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00}
Product: Checking or savings account

Had a car rental for about 2 months, I went in to extend my rental for {$360.00} dollars and was flagged for suspicious activity, I called to confirm it was me and the problem persisted ultimately resulting in Bank of America blocking my card for an entire month, flagging each and every transaction as fraud despite me calling and having the block lifted. Now a month has passed and my card has been charged {$2000.00} which has put my account in the hole, I have tried reaching out about resolution and I was originally told that the bank was making sure I even had the funds, which is absolutely absurd, it's my money and my account. I have been told it is my problem that I used my card during this period and I should just fork over a credit card. I have 2 checks now that I will not see due to my bank taking it entirely, I wouldn't have been put in this position had they not flagged my card repeatedly and then blocked it, also begs to question why it was denied for {$360.00} but authorized for {$2000.00} and that was not flagged as fraud?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$10000.00} late payments in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose