23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had insurance during this time. The office for XXXX XXXX OF THE XXXX XXXX was submitting my old insurance for this bill. They were not submitting the invoice to my NEW insurance which was prodived to them multiple times. So they sent the invoice to collections. The total invoice was 100 % covered by my insurance. It can not be covered by insurance now because it was sent to the debt collector over a year after the service debt. I should not owe this debt because it WAS covered by insurance. The doctors office clearly can not do their job in the billing debt to have had it processed correctly. Attaching documents of when my insurance started and is still covered to this exact day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed dispute with this company various times and all they have done was move late payment around I had one late payment there was an agreement to push the payment to the back of the loan due a hardship and they reported my account late. The lates are inconsistent on my credit reports. Each time I contacted them they said its nothing they could do. This lender is so bad XXXX XXXX they had a lawsuit against them having predatory lending to people who could barely afford the cars that were financed.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$300.00} tried to payoff the amount of {$450.00} still high in 90 days. However they are charging my {$82.00} biweekly for a year, which equals to {$1900.00} quadruple what i borrowed.
Product: Credit card

In XXXX, without notice, Bank of America force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into Bank of America today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

Bank of America offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to BoA but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, Bank of America also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up Bank of America 's mess. This should be Bank of America 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and Bank of America is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set Bank of America straight.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX  XXXX Account XXXX : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Debt collection

On XX/XX/2023 I paid my XXXX XXXX amount due of XXXX, for my billing cycle ending on XX/XX/2023. On XX/XX/2023 I closed my XXXX account. On XX/XX/2023 I received a close out statement with a balance due of XXXX ; this statement did not give me credit for the payment of XXXX I made on XX/XX/2023. I received an email from Sequium requesting payment for XXXX. I called the week of XX/XX/XXXX stated I did not owe the amount requested and the bill was paid, and I tried to call XXXX direct several times with no success using the number I was given by Sequium. 
I will attach a cop of the following : XXXX XX/XX/XXXX stmt that shows my XX/XX/XXXX Pymt. 
XXXX XX/XX/XXXX payment received email XXXX XX/XX/XXXX stmt that does not show my XX/XX/XXXX pymt XXXX cancellation request email Sequium collection attempt email.
Product: Credit card or prepaid card

I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone. 

During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.
Product: Credit card or prepaid card

I had a fraud charge made XX/XX/XXXX {$7300.00} appear on my account and I found my card was lost/stolen. I contacted Upgrade XX/XX/XXXX to report the transaction as fraud and my card missing and was told the investigations team would follow up. Upgrade misfiled my dispute and I didn't receive any contact until I called back in on XX/XX/XXXX. They then began my dispute process and only requested a written statement of what occurred via email on XX/XX/XXXX, which I replied to same day. I then received an email requesting I file a police report on XX/XX/XXXX. I replied XX/XX/XXXX with a copy of the filed police report. I was notified of the dispute being denied XX/XX/XXXX via email for the reasons : No aggressive decline attempts present. 
Account activity does not align with usual fraud patterns. Police report does not support the dispute. I replied the same day to get more details which was not provided. I contacted upgrade XX/XX/XXXX to appeal the decision as i had provided all details when requested and cooperated with investigation. I was given a callback which I responded to on XX/XX/XXXX and I was told they can not reopen the investigation. Being that I first notified them via phone call XX/XX/XXXX they have placed the charge back on my account outside of the 90 day timeframe of regulation z.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card opened in my name with comenity capital bank / XXXX on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I mailed a letter on ( XXXX  ) ( they received it on XXXX ) stating that there was fraudulent /hard inquiry on my equifax report and they said I didnt tell them what inquiry it was when I clearly precipitated it to them in the ID theft letter.
Product: Money transfer, virtual currency, or money service

They have chosen to again close another account for allegedly violations of terms without giving any info as to which term was violated thereby refusing to allow any chance to disprove their claim and save my account, nor have they furnished proof any such violation occurred. As they dont even know what term was violated, nor do they have any proof of a violation I suspect they are just acting discriminatory against me because XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally file a complaint against XXXX, a fraud department representative, for his failure to properly address my request to escalate my case. I contacted your fraud department regarding my XXXX fraud and identity theft dispute. During the conversation, I repeatedly requested to be transferred to a supervisor for further assistance, as I believed that my issue required higher-level attention. 

Despite my clear request, XXXX continuously refused to forward me to a supervisor and instead insisted that he could handle the matter himself. This was not an acceptable response, as I was seeking a supervisor 's involvement to ensure that my case was being handled appropriately. 

After several attempts to escalate the issue, XXXX did not comply with my request, and I was left without the necessary support. I took the case number provided, XXXX XXXX # XXXX, to submit this complaint, as I believe that this situation reflects unprofessional behavior and a failure to meet the standards of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Student loan

Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.
Product: Checking or savings account

Subject : A {$1000.00} withdrawal that I knowing did not make. ; Reference The second phone call with Wells Fargo with XXXX XXXX and XXXX, the Wells Fargo investigator, XX/XX/XXXX On XX/XX/XXXX, I went to the Wells Fargo ( WF ) Branch, office, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Ca, XXXX, to deposit {$1000.00} in {$20.00} bills at one of the outside ATMs. All the ATMs are located outside next to each other in row. The ATM accepted 30 bills and rejected 20 bills. After the {$600.00} deposit, I have a paper receipt showing the {$600.00} deposit at XXXX tried to deposit the remaining {$400.00}, but the ATM rejected my debit card. Taking my debit card I went inside to deposit {$400.00} left which took about 7 minutes.The teller told me the ATM would only accept 30 items. IThe next morning I looked at my WF account on my I phone and saw the online receipt for the {$400.00} deposit at XXXX XXXX, and an online withdrawal receipt for {$1000.00} at XXXX XXXX. I.am respectively requesting documentation of the phone call and what the conclusions were by Wells Fargo of the following items. 1. Verbally, what I understood was that the camera ATM records were reviewed and nothing was observed. What did that mean?. Was i recorded taking the money? There are 3 ATMs at that location, I used the extreme left ATM, nearer the street..Was that the ATM camera reviewed or is there only one camera for all 3 ATMs? 2. The Wells Fargo letter of XX/XX/XXXX, states a {$1000.00} withdraw was made at XX/XX/XXXX, XXXX XXXX. My {$600.00} deposit was made at XXXX. Wells Fargo started that time stamp was not important. Why not?. 3, Request that the camera records be reviewed for 65 minutes, starting at XXXX XXXX  to see if anyone else picked up any dispensed money.. I can potentially claim stolen property funds on my tax return Thanks you
Product: Credit reporting, credit repair services, 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 fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has violated my rights 15 u.s.c. 1681 section 602a.

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.

15 u.s.c. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than XXXX  years. 
15 u.s.c. 1681-2 ( 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 accurate
Product: Credit reporting or other personal consumer reports

The listed inquiries were not authorized by me. I contacted each company, and none were able to verify my authorization of the inquiry. I contacted each credit reporting agency on numerous occasions, and each have failed to adequately investigate the fraudulent activity or provide legitimate proof of investigation. I have called the reporting agencies numerous times and have been met with disconnected calls and countless failures to address my request. Please remove the fraudulent activity immediately per my rights under FCRA 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I am a victim of identity theft, an identity thief used my personal information without my permission to make the following charges
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX XXXX XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.