23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a Free XXXX  account with Comerica Bank XXXX years ago. The account sat dormant for a while and out of the blue they sent me a letter saying that they changed me {$65.00}. I called the head quarters and they told me to call my local branch that I opened the account with. The local branch on XXXX XXXX, XXXX XXXX Michigan. The bank manager was very unprofessional and couldnt explain to me the service fees they charged me and why. I explained to them that the account was not suppose to have service fees, if I was a XXXX  which I still am. and said I needed to notify the branch that I am indeed still a XXXX. The paper work I received when I opened the account dose not state that I needed to notify them I was still a XXXX  under XXXX  years of age. They told me get lost and it was already sent to a debt collection agency all this happened without my knowledge. I called back the main headquarters and they put me on hold and hung up on me multiple times after explaining my situation. And have been dodging my phone calls.
Product: Debt or credit management

Would like to please be a part of the class action if I qualify since I had an account with Freedom Debt Relief.
Product: Debt collection

LVNV Funding On XX/XX/year>, I sent a XXXX XXXX letter to LVNV Funding LLC regarding an alleged charged off account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Debt collection

I have reconstructed events and discovered triple-billing, insurance fraud, elder fraud, and XXXX fraud by XXXX XXXX XXXX XXXX ( And possibly XXXX XXXX and Wakefield and Associates. ) See attached. This is more complete information and supersedes complaint XXXX and XXXX. XXXX XXXX billed XXXX XXXX the full amount of the ambulance bill, of {$940.00}. XXXX paid according to its structure on XX/XX/2023. ( See claim XXXX attached. ) XXXX XXXX then billed me for the copay of {$270.00}. I applied for its financial aid to cover the copay. ( Have my copy of the documents sent, dated XX/XX/2023. ) XXXX XXXX did not bill me further for the copay. Several months later, approximately XXXX, XXXX XXXX harassed me by phone for more bank statements " because we couldn't read them ''. It demanded more statements and demanded that they include every transaction. I have applied for financial aid from housing, food stamps, colleges, hospitals, and utility assistance for XXXX  years, and NONE of them ever demanded every transaction, but merely documentation of income and account balances. ( Which I had sent. ) I didn't send them, and XXXX XXXX did not bill me further for my copay. Apparently XXXX XXXX also double-billed the full bill it had sent to XXXX XXXX XXXX for that is the amount the wakefield and Associat4es collection letter dated XX/XX/2023 says " amount you originally owed : {$940.00} ''. This is fraudulent on the part of XXXX XXXX XXXX  : ( XXXX ) I never " originally owed '' the full amount ; ( XXXX ) it billed XXXX XXXX for that amount ; ( XXXX ) it then billed that amount by sending/selling it to a collection agency. This is insurance fraud, double billing, triple-billing counting Regence, collection and the copay ( though I got charity care with some harassment for more bank statements ) ; elder fraud, and XXXX fraud . XXXX XXXX, and then Wakefield, both in the same building, took part in this triple-billing fraud.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 .

I looked at my Equifax credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail. 

This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork. 

I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ... 

ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. 


( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.
Product: Student loan

My aunt is a co signer on one of my loans. We are being harassed every day because we are struggling to make payment. When any one calls, you are greated with such a rude person that only cares about getting the money. They bully you on the phone every single time. We get calls Sunday to Sunday. Some of my payments are in default now and they have listed on my credit score from a time when I was making payments on the loan. Im so sick of this.
Product: Credit card or prepaid card

My problem is with  my Discover card. For 12 years I have been charged a Payment Protection Plan fee which I NEVER signed up for. According to Discover, I approved their payment protection product sometime in 2005, but they are unable to provide proof of my approval, and I know I did not approve this ongoing monthly charge. They have offered to credit me back for six months worth of charges, but the truth is, since they placed this program on my account without authorization, I 've been charged well over the {$2500.00} credit limit in fees and accrued interest ( on fees ). They claim they have done their " due diligence '' by sending me   bi-annual correspondence, but I have not seen this, nor have I positively affirmed my desire to be a part of this program ( ever )!
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiry by XXXX. 
Source : Experian Alert Date : XX/XX/2024 Inquiry Date : XXXX Name : XXXX
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX MAIN Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Debt collection

I was added as authorized user on XXXX Barclays Bank of Delaware card on XX/XX/2019. He went threw a financial hardship which he wasn't able to pay bill. I'm in process of getting a home and need my information remove. I've called company several times also sent letter for removal nothing happen.
Product: Debt collection

I rented this apartment in XXXX California because I was running from a XXXX XXXXXXXX situation this was in the dessert literally I drove XXXX miles to a store everyday back n forth I pleaded to move with these people and they instead locked me out of this place and left me and my kids to be homeless at the time we stayed at a shelter and they seized all my furniture in the apartment and refused to give it back to me stated it got stolen now 6 years later and they still wont move this debt out my name this has stopped me from moving on in life so I started to call this company and tell them they are ruining my life and if they would take {$1400.00} for the debt and leave me alone the lady told me that she will garnish all I have in my life and she will sue me call me everyday and ruin my life, she called me a immigrant and told me she would personally call immigration on me ruin my credit ruin my life as long as she can I dont know why this company is being so personal with me this debt was made up in XX/XX/XXXX in the incorrect amount as well and it is XXXX XXXX and they dont want to remove it untill XX/XX/XXXX and I really am in a desperate situation to move and I can not rent buy a home with this following me for the past XXXX yrs I am trying to be reasonably with them and pay my debt but the hate is real here this has gotten personal and my life is on hold in XXXX Michigan XXXX with XXXX kids whoever is reading this please help me Im tired of this company at mental war with me thank you his bless you
Product: Credit reporting or other personal consumer reports

experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed despite items despite the evidence I provided caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer
Product: Credit reporting or other personal consumer reports

I have called each company to remove the inquiries and they remain.
Product: Credit reporting or other personal consumer reports

I LOOKED BACK AT MY REPORT ON XX/XX/year> AND I NOTICED THAT SOME THINGS ARE INCOMPLETE AND INACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS BELOW BECAUSE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX XXXX  ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE
Product: Debt collection

Company HCS ( Harverd collection systems ) constantly calls me over and over again about a medical bill they states i had service XXXX XXXX i explained to them i was not seen and i asked was this a emergency bill and what hospital is this amount coming from. The compant could not tell me exactly where the amount was coming from .I asked them several times to stop calling me and they keep contacting me harrassing me about debt i dont owe or dont know about stop contacting me they state i was the patient i couldnt have been unless someone used my information. i asked was it a child they said no either way it goes if it was for my child i would of provided insurance so they have the wrong person. The bill is on XX/XX/XXXX on new years day never been there send documenentation
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Debt Amount : {$1900.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX Dear Collection Agent, I am writing in response to your communication regarding an alleged debt for services provided by XXXX XXXX XXXX XXXX on XX/XX/XXXX. As permitted by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

1. Debt Validation : Please provide a detailed breakdown of the alleged debt, including any medical charges, fees. or collection costs. I am currently unaware of the total amount due and would appreciate clarification before moving forward.

Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to protect my private medical records. I do not recall authorizing XXXX XXXX XXXX XXXX to release my medical information to any third party, including your agency. HIPAA allows for the release of limited information, but any further release requires my explicit authorization.

Please provide : A copy of my signed authorization permitting XXXX XXXX XXXX XXXX to release my medical information to A complete account of the information you received from the provider in connection with this alleged debt.

In accordance with the FDCPA, I request that you cease any credit bureau reporting until this debt has been fully validated. Reporting inaccurate or unvalidated debt to the credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), for which I can seek damages.

4. Documentation Request : To comply with HIPAA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this debt. If your agency is withholding any part of my medical information for HIPAA compliance, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt.

Please respond to this request by sending all requested information to my address listed above within 30 days of receipt of this certified letter. If you are unable to provide the necessary documentation and validation, I expect the immediate closure of this collection account and the removal of any related reporting from my credit file.

Thank you for your attention to this matter. I will await your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time that I submit a dispute they lower my credit score and retaliate against me as I just received notification that my score dropped by XXXX points. 

There have been multiple complaints listed with the credit reporting agency named Experian.

Some information is over 7 years old, but they have a incorrect date reflected and will not update and remove the negative account.

Some information doesn't belong to me and they have failed to update the information.

The number of credit inquiries were not authorized by me.

They have failed to update the address and remove multiple incorrect information.

The same for employment.

There has not been any positives for the student loan payment history and accounts in good standing.

Medical collection accounts have not been removed for medicaid insurance and even with multiple disputes as they have aged out of the 7 year they will not remove the information.

This is seriously impacting my credit preventing me from purchasing home, mortgage, credit cards. And other financial opportunities to make my life easier, and I believe they have my credit being reported on harder criteria or scales than others and probably always to XXXX XXXX
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX I was on a cruise that stopped in the XXXX XXXX. I did not use or take my debit card off of the ship, except on XX/XX/XXXX in XXXX, XXXX. We had an excursion planned at XXXX XXXX XXXX XXXX XXXX, which required transportation via taxi. I withdrew cash on the ship, but it was only in denominations of {$50.00}, so when we arrived in the XXXX XXXX, I saw an ATM hoping to get smaller denominations for the taxi driver. When I put my card in and entered my pin, it also only offered denominations of {$50.00}, so I canceled the transaction and tried to remove my card. It would not come out, so we tried to pull and wiggle it around. A woman from the shop right next to the ATM came out and appeared to push something on the back of the ATM and my card was released. 
We then took the taxi to XXXX XXXX for most of the day. I did not make any purchases with my debit card while there. I purchased a picture for {$30.00} with cash. We took a taxi back and also paid cash. 
When we returned to the port, I purchased a stuffed animal for ~ {$15.00} in cash, a dress for {$50.00} ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) using my debit card, and a woven bracelet for {$10.00} in cash. 
We then boarded the ship and returned to the XXXX on XX/XX/XXXX. 
The fraudulent charge is for a vendor named XXXX. A quick XXXX search shows this is a kids sports complex in XXXX XXXX, which is a XXXX XXXX XXXX from XXXX. 
When I initially made this fraudulent claim, I was unsure of what could have possible been charged to my card for this much. I thought that I possibly used my card and they charged me more than agreed. After discussing with the other people with me that day, we were able to piece together what was purchased and with what method of payment. I also looked up the vendor and realized there is no way I would have made this purchase, even under false pretenses. I do not understand how USAA could not come to the same conclusion. 
I am not in a position to lose almost {$1900.00}. This cruise was a gift for our entire family from my dad- I would not have been able to afford to go on it otherwise. When I called to find out why my claim was denied, there was no real answer. I am kindly requesting the research that was done that concluded this charge was valid. I would also like to open back up the dispute for further investigation. 
Update- it has been 4 days and I have not received the documentation and the provisional claim is set to withdraw from my account in 2 days.