23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was seen at XXXX Hospital in XXXX, WA XXXX XXXX 2009. The visit was paid by XXXX. ( workmans compenstion XXXX XXXX XXXX XXXX also billed me for this visit and was giving the XXXX insurance information. 
Today I received a bill from Dynamic Recovery SolutionsXXXX XXXX XXXX XXXX, SC XXXX for $ XXXXfor the XXXX XXXX, 2009 visit. XXXX from Dynamic Recovery Solutions said it was for XXXX Hospital even though it says XXXX XXXX XXXX. on their bill to me. Original Account Number XXXX Account No : XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they do n't have this bill anymore, and that it was a XXXX claim. They also said they do not work with Dynamic Recovery SolutionsI believe this is a scam to scare me into paying a bill that has already been paid. Since XXXX XXXX, 2009 is more than 6 years ago they might think I will pay this having no records of it myself. 
I do not owe the {$420.00} and this hospital visit in XXXX XXXX 2009 was covered by and paid for by XXXX. 
Thank XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, Im living human being, I have rights under 15USC 1681 Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give Equifax written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the Equifax Credit Breach XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX
Product: Money transfer, virtual currency, or money service

I have been using CoinBase to buy, sell, convert, send, and receive cryptocurrency. In a recent audit of my transactions, it appears as though CoinBase has been charging me hidden fees for conversions from one coin to another when the transaction pages clearly state that there are no fees.
Product: Debt collection

Dispute Regarding Account Handling I am respectfully contest the assertion made in my complaint regarding the handling of my account by your company. As previously communicated, I responded to the matter by mail, enclosing supporting documentation, on XX/XX/2023. Please find attached the relevant documents for your review. 
The crux of my concern lies in the imposition of a {$300.00} credit limit charge on an outstanding balance exceeding {$800.00}. This discrepancy, coupled with the unfortunate escalation of the account in collections, occurred despite my proactive communication regarding my inability to fulfill the payment obligations. I had notified the creditor of this predicament, attributing it to the unavailability of internet or phone services during my deployment overseas.

Furthermore, it is essential to highlight the company 's non-compliance with the Servicemembers Civil Relief Act, which mandates a reduction in interest rates to 6 % for individuals serving in the military. Regrettably, this provision was not adhered to in my case. 

In light of these concerns, I kindly request a thorough investigation into the handling of my account and a reconsideration of the charges and actions taken. I trust that your company values its commitment to fair and equitable treatment of customers, especially those who serve in the armed forces. 
Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any further clarification or documentation as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct inaccurate information on my credit report since XXXX of last year. I have written letters to the three major bureaus in XXXX and again in XXXX with no response from any of them. They are reporting information that is wrong and it is causing me to have a negative credit report. This is in violation of FDCPA Section 807. I feel like I am being targeted and done wrong by these companies. It has now been 67 days since I first sent them letters with no response! This is unacceptable. 

XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXXXXXX XXXX Inaccurate Late Payment. 
XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX XXXX FDCPA Section XXXX XX/XX/XXXXXXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX Inaccurate Late Payment. 
XX/XX/XXXX XXXX FDCPA Section 807 XXXX  FCU XXXX FDCPA Section 807 XXXX XXXX XXXX Inaccurate Late Payment. 
XXXX XXXX XXXX FDCPA Section 807
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank needs to delete and remove this fraudulent account from my XXXX credit report immediately. Your company failed to provide proof that my rights have not been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX XXXX account XXXX, you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and modify disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. Therefore, your response was due on or by XX/XX/2022 : Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming item was verified but didnt send any proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FRA, you are liable to me for damages for your conduct Thus, in addition to your Select deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to understand why I can not maintain the agreed upon terms I signed for on my consolidation loan. Despite complying with every instruction, and having a perfect payment history, I continue to receive notices that my interest rates will increase if I do not take action, however no specific instructions have been given and I can not speak with collateral control via any phone numbers accessible to customers. Navy Federal stated in written correspondence that I must register my vehicle in South Carolina which was not part of our contract and would incur additional expenses on my part. When calling customer service about the issue ( XXXX, XXXX XXXX  @ apprx XXXX ) I was told that Navy Federal does not care which state the vehicle is registered in, and that all paperwork required was pending from a separate office, not me. 

The extend of the relief I am requesting is simply to continue paying the installments as contracted originally. 

Thank you for your time and consideration.
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 the 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. 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 Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????
Product: Debt collection

These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
Product: Debt collection

I received a notice in the mail from RentDebt Automated Collections on behalf of XXXX XXXX XXXX in XXXX of XXXX stating that I owed {$170.00}. On XX/XX/XXXX, I requested an itemized list of charges via email and had gotten no response as of XX/XX/XXXX so I sent a follow up email on that day. Again no response to the email. However, I received a letter with an itemized ledger supplied by XXXX XXXX, on behalf of RentDebt and XXXX XXXX dated XX/XX/XXXX. The ledger clearly shows a XXXX balance. I emailed RentDebt on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for an update and requested the false debt be removed from my account, but it is now XX/XX/XXXX and the supposed debt continues to come up on a credit report, hindering my ability to get a new apartment. Additionally, when I first received the notice from RentDebXXXX, another notice arrived, addressed to the person who had cosigned my original lease agreement with XXXX XXXX in XXXX of XXXX. As I am no longer in contact with that person, and had no contact number or forwarding address, I returned the notice to the mailbox with " not at this address. '' So I do not know if they are aware of the situation.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I asked for a loan online and I didn't notice how much they going to charge me for the loan. Last week, I checked how much money I owned them. They borrowed me {$500.00} and I am going to pay them {$1.00} .... 
I called them and he told me when I sing they explained me. I didn't noticed because I need the money, to pay my electricity bill and food. Is too much money this is ridiculous. Thank you and appreciate your time. I hope so you can help me this is too much money.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXXXXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$3200.00} XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/year> my credit was ran by unknown sources without permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a constant victim of fraud lost all identification before incarceration time
Product: Debt collection

Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am a customer of JP Morgan Chase Bank, as I have held the Chase United MileagePlus Awards credit card ending XXXX since XXXX. 

On XX/XX/XXXX, I fell victim to a scam wherein I was misled into believing that a dearest friend wanted me to send two XXXX gift cards for her in the amount of {$250.00} each, then to email her the photo of the back of each card with their numbers for her nieces birthday that day. I bought the cards ( totaling {$500.00} ) at XXXX using my Chase United MileagePlus Awards credit card. 

Since it turned out a hacker took over my friends email account, leading me into believing it was my friend requesting these gift cards, and I emailed back the numbers, the hacker was able to steal the XXXX money. Ive been the victim of fraud and am also concerned that I maybe the victim of Identity Theft. 

Below, please see evidence for the Police Report filed by my friend XXXX XXXX XXXX on XX/XX/XXXX ; also, of her XX/XX/XXXX Report to the FTC. 

It is my request that JP Morgan Chase Bank investigate this matter and consider this my formal dispute regarding the {$500.00} loss. Please respond with your investigation results to me in writing only within 30 days of receipt of this certified letter. 

I am requesting that the CFPB please investiage this matter.