23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While Im the XXXX  my medical insurance was given to the hospital. The XXXX doctor or that doctors staff never got the health insurance information from me or the hospital. I did not know of this debt until a year later when checking my credit. I have tried multiple time to resolve the debt. I have had my health insurance company on the phone with the debt collector trying to submit my health insurance to get it resolved. The debt collector made it impossible for the the debt to be paid. 
After how many phone calls and running around to get this resolved with the collector and my insurance company l. For the negligence of the doctor and staff. I was never billed and found out a year or so later that I accrued a debt. I am a XXXX XXXX XXXX. I have better things to do with my time than run around and collect documents because of the negligence of a doctor and staff. 
My insurance info should of be passed on to them or got it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage late reported by XXXX XXXX in XX/XX/2021 for XXXX days or more is incorrect. I was in forbearance plan in accordance with the federally mandated CARES ACT ( Coronavirus Aid, Relief and Economic Security Act ). My forbearance was set to expire XX/XX/2021, and I paid off the balance of the forbearance as well as the entire mortgage balance on XX/XX/2021. Per XXXX of the representatives named XXXX at XXXX XXXX, he confirmed that when they received the payoff funds that they terminated my forbearance, which is the reason for the XXXX XXXX XXXX on my credit report. The account should have had no late payments per the forbearance agreement and CARES ACT.
Product: Debt collection

I requested NATIONAL CREDIT ADJUST to validate this debt they are telling me I owe, I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I never received anything back from them, they only sent me a letter stating it was verified. 
Now I would like them to do the following : Please provide me with the following : Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit, interest How you calculated what you claim I owe ( XXXX  vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX vs XXXX XXXX XXXX )
Product: Debt collection

On XX/XX/XXXX I received a letter from Midland Credit Management , Inc . Requesting payment on a balanced I settled back with the attorney office XXXX, XXXX, XXXX XXXX XXXX. XXXX representing the original debt owed for a XXXX XXXX credit card in which Midland Funding LLC was the acting debt collection agency. 

On XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX agreed to settle the {$910.00} debt for {$530.00}. I sent the attorney office the requested {$530.00} payment certified with a XXXX postal office money order. The payment was received on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX, XXXX XXXX XXXX XXXX stating " as the attorney for the creditor on the above account, I certify that the above account has been settled signed by attorney XXXX XXXX XXXX. My credit report was only updated to show I no longer owe {$910.00} but now owe {$370.00} balance.
Product: Debt collection

Bank Of America was paid the full amount of the note XXXX on XX/XX/XXXX by HUD. On XX/XX/XXXX Bank Of America sold the note to XXXX XXXX and on XX/XX/XXXX sold the note to XXXX and my complaint is that XXXX XXXX is now trying to collect on a note that has been paid since XX/XX/XXXX. I have also been informed that they are not a licensed debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, there is no law prohibiting consumers from utilizing third-party services, thus rendering your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the entire process and grants consumers the right to employ a third party on their behalf, if they so choose. Consequently, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to take reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to further delay the process. 

I acknowledge that disputes can be costly and it is your responsibility to prolong them, but please be aware that doing so carries significant risk. This letter, dated ( insert today 's date ), formally notifies you of my request to proceed with my original investigation and demands that you provide me with the results within 15 days. Therefore, I reject your " form letter '' in a legal and lawful manner, granting you only 15 days instead of an additional 30. 

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to expedite my original request promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax, XXXX & XXXX  regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX
Product: Mortgage

Have a mortgage thru Specialized Loan Servicing. I had a bankruptcy case discharged in XXXX of XXXX. I had noticed this account was not reporting to any of the credit bureaus. I researched information as well as contacted SLS and credit bureaus as well as the bankruptcy attorney to get information relating to and determined that the account should be reported by SLS to all credit agencies. I have had calls to SLS and certified mailings to them as well as electronic dispute requests and certified mail to all XXXX credit bureaus. It was to have been resolved. I now see it only showing on one credit bureau and that info is inaccurate and limited with last updated XX/XX/XXXX. Also shows a late pay in XX/XX/XXXX inaccurate
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. no action has been taken. looking at all data listed ive noticed all information submitted is reporting illegal an fraudulent information. please review an remove the information listed to help clear my credit report asap.
Product: Credit card or prepaid card

Was auto renewed without advance notice for a one year subscription for {$490.00} to a publication called XXXX XXXX  When I notified XXXX XXXX  i did not want another year of publications I was told that I would have to wait a year to cancel. 
When I tried to dispute the charge through American Express I was informed there was nothing they could do on my behalf.
Product: Debt collection

Dear CREDIT COLLECTION SERVICES, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

Hi, recently I have completed paying my lease with VW Credit. Per my turn in settlement invoice, I have excess mileage that resulted in an invoice of {$12000.00}. VW Credit is asking me to pay this amount in full, however I advised them via email ( see below excerpt ) as to my financial situation and their response was for me to call them to discuss Original Inquiry on XX/XX/2019 XXXX XXXX  CST : Good Day, I am in receipt of the turn-In Settlement invoice for {$12000.00} asking for payment in full. Unfortunately, I do not have the ability to pay this amount in 1 lump sum. My original plan was to purchase the car upon lease completion, however, the local VW dealership was unable to get my application approved without a substantial down payment. Unfortunately, because I needed a car, I purchase another vehicle and opted to turn in the XXXX. This has put somewhat of a strain on my finances. At the present time, I can offer to pay {$150.00} per month until the debt is paid in full. In the event my financial circumstances change, I will pay more or pay the debt off much sooner. Please send written correspondence with your reply to my mailing address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX Sincerely ; XXXX XXXX Subsequently, I called VW Credit on XX/XX/19and advised of the same. I was advised that they will only take {$400.00} per month instead of my offer of {$200.00}. I advised the representative that I initially tried buying this car but was unable because the few banks that approved me for financing wanted a very large lump sum down payment which I do not have. The end result is I had to buy another vehicle which puts more of a strain on me financially. Lastly, although the rep told me they don't offer payment plans of {$200.00} per month, I advised them I just recently paid off a prior loan ( similar situation ) however they still refused and threatened to place my account with a 3rd part collection agency. I value my credit and have worked very hard to build it to where it is today.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I was transferring my Florida XXXX to a XXXX XXXX account and the check got separated from the paperwork. The original check was deposited into a XXXX account ( I have copies of the original check and the XXXX check ) at Bank of New York Mellon. I have reached out numerous times to try to find this check. BNYM Research and Resolution Dept will not talk directly to the public to assist me in finding my retirement money. SOMEONE has the authority to trace these checks and find my money. PLEASE have someone look into this matter. I am desperate to find these funds. It is my ONLY retirement savings.
Product: Credit reporting 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 confidentiality under 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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  I received court documents, from  Debt Atty. Pressler & Pressler, that I a m being sued for a balance owed to   XXXX   XXXX   XXXX .   XXXX     XXXX  provided them with  XXXX  statements dated  XXXX , and both had handwritten balances.     I have contacted   XXXX   XXXX   XXXX , at  XXXX  different phone numbers, for which I was told they could n't find my account.   
I have also provided a detailed letter to Pressler & Pressler, explaining that the informatio  n on those  XXXX  statements are not accurate.   The first account, shows a handwritten balance of {$10.00} with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicated a final payment in the amount of {$25.00} was made on  XXXX   XXXX ,  XXXX . According to my calucations, this was an overpayment of {$14.00}.   The second account shows a handwritten balance of {$780.00}, with a last payment received date of  XXXX / XXXX / XXXX . I have bank statements indicatin g 13  payments were made since that date with the latest being  XXXX   XXXX ,  XXXX .   Since no one seems to be able to find my account, and the attorney 's office if going by false information, I have major concerns as to where my payments were actually being applied. In addition, I have not received a statement or an itemized bill in approximately 2 years, but yet I keep making monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I provided a copy of the FTC report, it was determined that credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following objects recorded under that are responding incorrectly because of fraud. The following items need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. 
I have the list of Accounts that I will post here! ( XXXX  account # XXXX date of late payment XXXX, XXXX, XXXX, ) I am Attaching identity and proof of address!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint yet again on my own accord with no help of any credit repair company or anyone else 's assistance. On XX/XX/22 I submitted a complaint with the CFPB ( Complaint # XXXX ) reporting the credit bureaus for reporting false credit report information which drastically hurting my credit report and is stopping me from owning a home. 

In accordance with the Fair Credit Reporting Act my rights are being violated. I sent a letter to Experian on XX/XX/22. Its been well over 30 days, and I haven't recieved anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) the credit bureaus have 30 days t orespond to my dispute. This is a violation of my rights.
Product: Debt collection

XXXX XXXX Fox Collection Agency contacted my father, XXXX XXXX, to request he update his and/or my personal address in their system.
Product: Money transfers

I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.
Product: Credit reporting or other personal consumer reports

I was victim of ID Theft in 2023, I filed my taxes and was informed that my identity was breached. I informed Experian, and provided the proper documentation. No response as of yet. I am requesting that they delete the following accounts as request. 

-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a care credit card and have tried 3 times to set up an automated payment. The payment time rolls around and I get a late fee because Im told the draft wasnt set up. I asked that the late fees be removed and explained my frustration that its not my fault that they didnt set up the draft as they said they would. It caused a snowball of fees that I will never be able to catch up. 

Theyve recently even started harassing family members of mine. I keep getting numerous calls with the hour some are no caller id and they are always hanging up on me.
Product: Money transfer, virtual currency, or money service

We are XXXXXXXX XXXX XXXX and are the victims of a very sophisticated and deceptive targeting. We are Private Clients of Chase Bank - XXXX XXXX XXXX XXXX XXXXXXXX. Without us giving out any private/sensitive information the perpetrators were able to 1 ) utilize Chase Bank Private Client service line 's phone number, 2 ) Chase short-codes, 3 ) certain knowledge of our account, 4 ) and in-depth understanding of Chase 's banking web-application, transaction procedures ( including limited time One-Time Codes, and, 5 ) other legitimately seeming tactics, to induce panic, confusion, and fear to defraud us of over {$120000.00} via a fraudulent wire transfer reversal scheme. Having received short-codes indicating holds were placed on the multiple wire transactions, we were in the bank within fifteen ( 15 ) minutes of terminating the phone call with the perpetrator so as to instead resolve the matter face-to-face with a Bank representative. Despite our promptness in making Chase aware of the fraudulent wire transfers and placing our trust and confidence in Chase 's fraud department to recoup the funds as promised, in the 6 weeks since XX/XX/XXXX we have encountered a distressing lack of cooperation, stonewalling, transparency, or resolution from Chase Bank with regards to our case. After our initial visit to the Bank we have made repeated calls to the Fraud Department and visits in person to the Bank but to no avail. We were told at one point that someone from the legal department would call us, we are still waiting for the initial phone call 5 weeks later. Chase Bank has refused to give us anything in writing related to the afore mentioned complaints even from the very beginning. We understand that time is of the essence when recouping funds of financial fraud, yet all our efforts have been stymied thus far. 

I am including the account number that was defrauded.