23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I contacted XXXX XXXX XXXX about a claim that was denied and this {$1100.00} bill for the doctor who nearly killed me due to his ADMITTED medical negligence. XXXX XXXX had sent me an email about how to clear medical debt and I figured I would ask XXXX XXXX XXXX about the charge. In the investigating with the agent on the phone, it was found that not only did this doctor not know how to perform a simple XXXX without nearly killing a patient but his office does not know how to bill properly. XXXX XXXX XXXX sent the bill for {$1100.00} back because it was not coded that this was an emergency XXXX. Instead of resubmitting, the doctors office sent it to collections. I had planned on leaving it there to rot. You do not get to leave me with lifelong issues and nearly make my child an orphan AND get a dime out of me. The agent from XXXX XXXX XXXX called Merchants and Medical ( M & M- the collection agency ) stated we were working on a resolution and investigation with this bill. The M & M ( collection agency ) agent on the phone tried to bypass the XXXX XXXX XXXX agent on the phone and harass me into paying the bill on the spot. This is in call logs with XXXX XXXX XXXX. The agent KNEW we were on a 3 way call with XXXX XXXX XXXX trying to verify the debt and instead of veryifing or providing any information, she ( M & M agent ) tried to force me into paying the debt asking " Well what are YOU going to do about it? IT IS YOUR RESPONSIBILITY. '' The XXXX XXXX XXXX agent spoke up and said the M & M agent was again on a 3way call with me and insurance to get information on the debt. XXXX XXXX XXXX submitted the information higher in order to research the claim and work on paying the {$1100.00}. I was told to call back in a week to check on the status. I called back 10 days later only to find out that the collection agency had also called. I was advised to file a grievance about this bill with XXXX XXXX XXXX and I can file a Care Complaint, which I did. In that time, M & M decided sending this to a lawyer was their solution. There has NEVER been an explanation of services sent to me. There has never been a verification of debt sent to me. Not only did this doctor fail to perform the XXXX properly by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after the XXXX XXXX XXXX  but they can not seem to bill properly either. XXXX XXXX XXXX advised me to complete a grievance and a complaint about this doctor which I have. Once that was started, a letter from a lawyer for XXXX XXXX and XXXX XXXX XXXX arrived. This doctor and office has continuously been negligent, retalitory, and harassed me for the last 3 years. The claim for the {$1100.00} was paid by XXXX XXXX XXXX on XX/XX/22. The doctor has received their money. I should have never been sent to an attorney or threatened with a lawsuit. There is now a process server looking for me to serve me with papers to sue me over a debt that I should not even owe and has been paid by insurance 2 weeks ago.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Recently I was notified that Barclays Bank DE had placed an inquiry on my credit report with XXXX. I want this inquiry removed because I have never applied for a Barclays credit card and it was not authorized by me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has repeatedly failed to investigate and remove fraudulent accounts and outdated personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are a result of identity theft stemming from the XXXX data breach. 

The fraudulent accounts that remain on my Experian credit report are : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX These accounts were opened fraudulently without my consent. Both XXXX and XXXX have already investigated and deleted these accounts from my credit report. However, Experian continues to report them as " verified, '' without providing proof of a proper investigation or any supporting documentation. 

Additionally, Experian has failed to remove outdated and fraudulent addresses associated with these accounts, including : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Arizona XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX PA XXXX These addresses are not mine and are directly tied to the fraudulent activity. I have provided Experian with updated government-issued identification and documentation proving my claims, yet they continue to refuse to act, obstructing my ability to repair my credit profile. 

Experians failure to investigate and correct these inaccuracies has caused harm to my creditworthiness, emotional distress, and financial opportunities. Their negligence violates the FCRA, which requires credit reporting agencies to conduct thorough investigations and remove unverifiable or inaccurate information.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Bank account or service

Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.
Product: Checking or savings account

I filled a dispute case with Blackhawk network on XX/XX/2021 and in an email they told me the dispute would take no longer than 90 days. Its been well over that and Ive had to be without my money. They also stated in an email that an check was issued to my address already but when I called to follow up they told me the check wasnt even created yet. They just keep lying to me
Product: Student loan

I took out loan in XXXX  with Sallie Mae. Since then sold to Navient. I have paid my loan in full to Navient but my credit report reflects I owe to dept. of education. I do not know anything about this charge and want it resolved.
Product: Credit card or prepaid card

Received U.S. Bank Reliacard for unemployment benefits that I didn't apply for and is not applicable. After contacting U.S. Bank, it appears the card was issued for unemployment benefits in another state.
Product: Checking or savings account

I have been charged {$15000.00} in over draft fees from truist bank since 2019. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to EXPERIAN, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that EXPERIAN will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
Product: Money transfer, virtual currency, or money service

I had a Venmo account under my infomarion that I made awhile ago and my boyfriends dad wanted to send us money for his little brothers graduation gift so my boyfriend told me to change the name on the account to his so his dad knew it was going to him. He sent {$1100.00} on XX/XX/2024 and when I tired transferring the money into my bank account I got an error saying my account was frozen. I later reached out to Venmo asking why it was deactivated and they said I violated guidelines. Ive been trying to get a hold of someone who can tell me when Im able to get the money back, if they can refund the money, and anything I need to do on my end and they keep avoiding my questions and send me the same automated message over and over again. When I call its robot and I cant get ahold of an actual employee. Im just trying to figure out when and how I can either get my money back or if they can refund it. It also said in the message they send that should the funds become available for transfer but they dont specify under what conditions they wouldnt be eligible for transfer and nobody has answered the question either.
Product: Credit card or prepaid card

i MADE THREE ONTIME PAYMENTS OF {$1000.00} FOR A CREDIT CARD PROGRAM THROUGH SEEDFI. HOWEVER, I SUSPECT THAT SOMEONE IS USING THE FUNDS INSTEAD OF MY PERSON. i HAVE BEEN UNABLE TO WITHDRAW ANY FUNDS FROM MY CREDIT CARD ACCOUNT OR MAKE ANY PURCHASES WITH MY CREDIT CARD ACCOUNT.
Product: Bank account or service

WF online offers nicknames and I tried it but it makes conflict with XXXX. So I tried to delete it and I ca n't, so my XXXX ca n't work correctly.
Product: Debt collection

Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I was laid off last early-spring and as a result, my account balance was quite low. I had a Wells Fargo checking account ( ending in XXXX ) that I stopped using for purchases as a result. On XX/XX/2022 my account had an available balance of {$11.00}. A {$6.00} credit posted on and my balance posted at {$17.00}. Two ETF debits then posted and the acount balance went negative to $ XXXX. Then Wells Fargo allowed several more ETF 's to occur and brought my account down to $ XXXX. Of that amount, $ XXXX was ETF and the remaining amount was overdraft fees. I stopped using ym debit card and they continued to allow funds to be withdrawn and rack up fees. When I didn't pay the fees and asked for a review of the account activity, they told me that I needed to pay them and closed the account. I'm currently on a checking account watch list as a result. I've reached out to the bank to discuss the situation, but they have provided me little more than the 'account disclosures ' associated with this account. This has to predatory.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXXXXXX XXXXInquiry XX/XX/XXXX/23 XXXXInquiry XXXXInquiry XXXX XXXXXXXX AInquiry
Product: Credit card

I have made multiple contacts inside the Best Buy Store and by phone. I have made request regarding a refund that was to be issued towards my purchases. I had purchased a refrigerator from Best Buy XX/XX/XXXX for the amount of XXXX. XX/XX/XXXX the refrigerator had a issue that needed to be repaired. I had to be informed by the repair company that the warranty had authorized a replacement, it was not economial to repair. I made the request for the replacement, that cost XXXX, XXXX less than my origianl purchase. The replacement refrigerator was on back order for at least 2 months, I made the request for a XXXX replacement priced at XXXX, an additional XXXX less. A total of XXXX to be refunded to me. I went in the store to make the XXXX replacement purchase, where I was informed of the refunds. I have since received the replacement refrigerator, but not my refunds. I have been given multiple explanations in reference to the why the refund has not been received, eg. The storm in XXXX caused the delay, or the CSR will argued me that it has been issued. I am requesting this issued is reviewed and investigated. I would like to have this issue resolved. 
The bank account used XX/XX/XXXX ended in XXXX, we no longer have this debit card, but contact has been made with the bank, and I was informed if a refund is processed to the account the card was issued to it would be refunded. The XXXX purchase was made to my Best Buy Credit Card ending in XXXX, but no refund has been issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from XXXX  XXXX XXXX ( XX/XX/2022 ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests. 

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money.

- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt.

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments. 
- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from TransUnion, XXXX, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I have inaccurate information posted on all of my credit reports with all the credit bureau 's and I have tried but they are not fixing them can you look into this thank you.