23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In   XX/XX/XXXX  I  was involved in an auto accident and was taken to  XXXX   XXXX   XXXX  in  XXXX , IN for examination and   XXXX  .   XXXX   XXXX   XXXX    performed the   XXXX    services.     I provided the hospital with my insurance information, which they forwarded t o   XXXX   XXXX   XXXX  .   According to my insurer, I was left with an outstanding balance. I never received any written statement or notice from  XXXX   XXXX   XXXX   XXXX   during  XX/XX/XXXX . All other  medical bi lls were settled i n  XX/XX/XXXX ,   so I was under the impression that  XXXX   XXXX   XXXX   XXXX   had also been paid in full.     I n  XX/XX/XXXX ,  I was notified that a debt of  XXXX  had been turned over t o IMC Credit Services for collection. I disputed the charge, as I had no other notice of any   outstanding debt. IMC notified me a few weeks later that the debt was from  XXXX   XXXX   XXXX   XXXX  .     I made inquiry to  XXXX   XXXX   XXXX   XXXX   about this bill, and received the following reply via e-mail : " Thank you for the kind compliment regarding the services that were rendered to you by the hospital and the reading radiologist. Our practice strives to offer the highest quality care. The insurance information provided to the hospital was appropriately forwarded to  XXXX  by the hospital, and your insurance in fact processed the claim. The balance that remained was your out-of-pocket expense. The following day after receipt of your insurance   XXXX   XXXX   XXXX   (  XXXX  ), a statement generated to the address provided by the hospital. Regretfully, this statement returned in the mail due to no available mail receptacle. We engaged a third party to perform skip-tracing on the account, as we do for all accounts with an invalid address. Respectfully,  XXXX   XXXX   XXXX   XXXX   ''  XXXX   XXXX   XXXX   XXXX   had addressed the statement to my physical address ; I live in an area in which all residents have post office boxes, and the post office returned the mail as " undeliverable as addressed. '' Not  one other  attempt was made on the part of  XXXX   XXXX   XXXX   XXXX   or their skip tracer to contact me, either by e-mail or telephone, to establish my correct mailing address. I have lived in the same home for over 20 years and have established utility accounts in the area, so I 'm not that difficult to locate.     I paid the debt as requested, but would like to have the collections report to the credit bureaus rescinded.   XXXX   XXXX   XXXX   is largely responsible for the fact that the debt remained open for nearly a year, as they failed to make reasonable attempts to contact me. It 's difficult to pay a bill that is never received, and even a meager attempt to locate me or find my mailing address would have resolved this in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied by the car lot and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed some inquiries as well that are not mine. I contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE. You have not addressed the illegal violation. You had 30 days to investigate. You did not, therefore you must delete the improper designations. 

THAT'S NOT A DUPLICATE, THAT'S YOU STALLING AND LYING IN ORDER TO TRY NOT TO FOLLOW THE LAW!
Product: Checking or savings account

I opened this claim with CFPB XXXX, and the bank answered that they will reissue the provisional credit of XXXX for the claim n XXXX. But That provisional credit wasnt posted. 
Attached goes the answer letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

My paycheck was direct deposited and they have an appointment outage with a third party vendor meanwhile all my bills are being declined with fees my car payment is due, my phone bill has a promise to pay today
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Request for Verification of Debt and Correction of Inaccuracies Dear Experian, I am writing to dispute inaccuracies and missing payment information reported by XXXX XXXX on my credit report. The account in question is identified as follows : Creditor Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan The information reported contains discrepancies that require immediate investigation and correction. Specifically : 1. Inaccurate Payment History : The payment history reflects continuous charge-offs ( CO ) and a repossession ( R ) but lacks accurate and complete reporting of payments made. 
There is no detailed explanation for the missing entries, including months marked as " ND '' ( No Data ).

2. Account Status : The report states the account was charged off and closed in XX/XX/XXXX, yet it also shows a past-due balance of {$2100.00} as of XX/XX/XXXX. This contradiction requires clarification. 
XXXX. Missing Statements or Supporting Evidence : XXXX has failed to provide accurate records validating this debt, including how balances and statuses were calculated. 
Under the Fair Credit Reporting Act ( FCRA ), I request that Experian : 1. Verify the accuracy of the information reported by XXXX XXXX, including the payment history and balance calculations. 
2. Provide a detailed explanation or documentation supporting this accounts status.

3. Remove or correct any unverifiable or inaccurate information from my credit report.

Attached, you will find supporting documentation, including my most recent communication regarding this account. I request that you complete this investigation within 30 days of receiving this letter, as required by the FCRA. This is my 3rd attempt at requesting correction and verification of this account. 
Please notify me in writing of the results of your investigation. Should any corrections be made, I ask that you provide me with an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXXredit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Checking or savings account

Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.
Product: Debt collection

I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Account Balances are reported from TRANS UNION as of today XX/XX/2020. 

TRANS UNION SHOWS THE FOLLOWING BALANCE AS OF XXXX. 

Trans Union Balance Actual/Correct Balance 1. XXXX Credit Card {$6000.00} {$4900.00} 2. XXXX XXXX {$3800.00} {$3800.00} 3. XXXX  XXXX -Visa {$460.00} {$360.00} 4. XXXX  XXXX -M/C {$5200.00} {$2800.00}
Product: Credit card

I have a credit card through Avant. I did have a payment that was due however I received 10 Calls from Avant within a 7 day period of Time. 

XX/XX/scrub>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 All calls from same phone number - XXXX. I work during these hours so receiving repeated calls with no voicemail messages related to what the call was about disrupts my work day and productivity. I also receive email reminders so there is no need for me to be bombarded with repeat calls.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was charged a foreign transaction fee for a transaction that was US based. Bank of America does not allow email or chat. Their automated phone service looped around and would never let me speak to an agent. It said i wanted my account balance ( i did not request ), then it said I wanted information regarding their veteran programs ( I did not ). I've been dealing with this for over a week now, and can not get anyone at Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently included as a result of the breach, and I am exercising my right to have them removed. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Additionally, I am requesting that the following fraudulent inquiry be blocked and deleted : Inquiry to be Blocked and Deleted : XXXX  O Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove an unauthorized inquiry made by XXXX XXXX ( finance ) on XX/XX/year> as this was unauthorized, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am formally reporting XXXX on a previous case I opened with you. Case XXXX. I got this letter from XXXX that my account is paid and they told you I own them. How can an account be paid off and still own to that account. XXXX XXXX actually sold my truck and after collecting more than {$5000.00} from me. I told you XXXX is a financial predator. How can someone give XXXX and a want more than {$10000.00} in return. I took them to court and got a judgement in my favor. They have confirm from the letter attached that the account has been paid. Please see to it that they delete every thing from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

An authorized inquiry from Capital One Auto Finance Date : XX/XX/2022 I did not authorize the creditor to pull my credit file
Product: Student loan

Called lender, Sallie mae, XX/XX/2019 asked for lower payments options because of XXXX. The representative stated she would email the paperwork and I never received. I called back 2 weeks later and was told the paperwork could be downloaded on website stated I needed to make payment before I could proceed so I made a payment. This scenario has continued for 2 months. At this point they are calling my elderly mother, harassing all my family members while I can't even reach them by phone, email or chat. 

I want a resolution that I asked for in my first attempt. They make no attempt to help me resolve my financial hardship. 
I'm not including my phone number because I will receive no help just endless harassing robocalls. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was at a bar ( XXXX XXXX ) with friends. I ordered a bottle of XXXX  and was there for approximately two hours. While there, they held my card as most bars do. I paid my tab, left, and went back to my hotel. The next day, I saw two charges I did not authorize from another vendor ( XXXX XXXX XXXX XXXX ). The amounts were for {$2400.00} and {$1600.00}. I was appalled and outraged and attempted to dispute. At that time, I was unable to do so and was told I had to wait until it posted. After disputing, within hours, I was told it was not fraud and that it was a face to face transaction. I asked Capital One to please provide a receipt ( s ) from the vendor for these outrageous purchases and to return to this mystery vendor. They did absolutely no investigation nor did they protect me as a customer. They told me to obtain documentation for it. How could I produce documents for something I was not privy to? No one could answer that. Since then, I have been doing my own investigation by calling, emailing, texting this mystery vendor as well as the bar I was at. No one will respond to me.
Product: Checking or savings account

American Express ( https : //www.americanexpress.comXXXX/ ) denied my application to open a Savings account. They refused to provide a reason why and said they would email me. I'm still waiting! I've been a client of Amex since 1992 and have never been late paying my monthly statement. As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with Amex- or any bank. I am not applying for a loan, I'm applying for a savings DEPOSIT account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions
Product: Money transfer, virtual currency, or money service

XX/XX/2023. I received a text message from an automated message from JP Morgan Chase saying that there is suspicious activity which then they called me from exactly Chase 's number except the last digit. ( XXXX ) They told me there is suspicious activity so they were going to move my money to another account to protect it. While this was going on, my wife thought it was suspicious and called the number on the back of our debit card to verify the number that was calling was legitimate. The agent that answered said it was part of their business fraud department so I carried on the conversation thinking that I was protecting my account. We were failed by that agent that day that should advised us to hang up and call back. 
After the conversation carried on, I became suspicious and walked into the XXXX XXXX, CA Chase Branch which they then advised to hang up the call. They then saw my whole business checking account had been wiped and several wires had been sent. Meanwhile, XXXX XXXX called me confirming if I was the one making these wire transfers- I confirmed I was NOT so XXXX XXXX flagged and froze the last wire. This recovered {$3000.00} but the other pending wires of {$11000.00}, {$6500.00}, and {$14000.00} had landed in a XXXX XXXX account. Chase filed claims, wire recalls and has made many calls. After not getting very far, my wife and I pursued XXXX XXXX. Case numbers were generated and they verified that the account that {$11000.00} went to was wiped, but the other account under XXXX XXXX contained the wires of {$14000.00} and {$6500.00}. Both banks have said that without a document called a Hold Harmless Letter or an Indemnity Form, XXXX XXXX can not return our funds. Chase Bank does not provide this form to their customers anymore. XXXX XXXX has offered to provide a template for this Indemnity form but Chase will not deal with documents that are not of their own origination. At this moment in time we hope we can work closely and swiftly enough with law enforcement/FBI/government programs as we have been advised to get our funds back.

Any help, advice, or guidance would be greatly appreciated. 

Thank you
Product: Credit card or prepaid card

In XX/XX/2022, we used a Lowes credit card ( issued by Synchrony Bank ) to purchase several items. Two items totaled {$1600.00} ( and were interest-free for a specified period ) ; the other two totaled {$150.00} ( and were subject to interest ). 

The following week, and before receiving our first statement, we purchased several more items ( all of which were interest-free for a specified period ). We made one additional purchase ( XX/XX/XXXX ) for {$390.00}. 

On XX/XX/2022, we received our first statement and paid {$350.00}. Without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. On XX/XX/XXXX, we paid {$390.00} ( to pay off the interest-bearing items ). Again without notifying us, Synchrony allocated 100 % of the payment to the interest-free purchases. 

We continued to make monthly payments by the due dates for XXXX and XXXX, each for {$320.00}. Because the interest-free purchases were subject to various durations ( e.g., XXXX mos., XXXX mos. & XXXX mos. ), we called Synchrony yesterday ( Saturday, XX/XX/XXXX ) to confirm our understanding was correct. 

That is when we ( my husband and I ) learned that Synchrony had applied 100 % of our payments to the XXXX  interest items, and none to the other purchases. In fact, Synchrony said that, unless we paid ANOTHER {$430.00}, which together the payments we had already made ( {$1300.00} ) approximately doubled the total of the purchases subject to interest ( {$540.00} ), or it would continue to charge interest. 

Synchrony has refused to reverse any of the interest charges ( total {$58.00} ) because, it " said that is how it's system is designed '' to process payments.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! XXXX a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Checking or savings account

It has been a few years but between the months and year of XXXX to XXXX of 2018 I believe someone hacked my account with wells Fargo and moved money around from multiple accounts I had with wells Fargo. So I had to open several disputes with the bank because this happened on the weekend and I believe Monday was a holiday so banks were closed and I couldn't call costumer service because they called and added a verbal password so I had to physically go into a branch. In the end I was never made whole by wells fargo, I lost about {$4100.00} and only recouperated {$900.00} back.
Product: Credit reporting or other personal consumer reports

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"