23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter in the mail from Choice Recovery Inc. regarding a medical bill from XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX 's office for an unpaid balance. My immediate response to it was that I needed to resolve this asap. After calling the collection agency and found out that they added in additional 30 % to the bill, I called back XXXX XXXX 's office and offered to pay it immediately but was told by a young lady by the name of XXXX " that it was now too late and I had to call back the collection agency and pay the whole amount plus 30 % ''. So I did just that, but since the bill was significantly higher, I asked if I could make quarterly payments and XXXX from Choice Recovery agreed. So I made the first of 4+ payments of {$250.00}. Never did the Choice representative say you have less than 30 days to pay the remaining balance or " we will report you ''. If I would have heard that, I would have pulled out several other credit cards to pay it in full. Needless to say, even after attempting to make the payments in full, never did I get a balance statement, a letter of acknowledgement, nor an email stating a balance or remainder or their intent to destroy my credit within just a few weeks. When I called the collection company ( Choice ) on XX/XX/2018 @ XXXX XXXX to inquire about why didn't they send me in writing or email any type of documentation such as a statement or letter, they stated that " it was not there job to do that ''. I was completely appalled since that is what they do for a living. I'm sure that there are Fair Reporting Act Violations here and I want this removed from my credit for their lack of incompetence. My credit was good until the collections hit my credit report and it has dropped 40 points. Which completely hurts my family and myself especially since I was in the middle of a refinance.
Product: Credit card or prepaid card

I have never opened/or knew about this credit card or I did not make a purchase of {$3300.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent money via CashApp to someone. The money quickly left my bank account as it is tied to my debit card. The next day, XX/XX/XXXX, the money was refunded via CashApp by that person as the transaction between the 2 parties was cancelled. I received a notification via CashApp that the money would reach my accound by Wednesday, XX/XX/XXXX. When the money did not return to my checking account, I reached out to both CashApp and my bank to attempt to resolve the issue. CashApp has been giving me generic responses with information that my bank can not use to track the funds. Today marks 5 business days that I was supposed to wait for the transaction and the funds are still not showing up anywhere on my end and they are not on the other end of the original party I sent them to. After reaching out to CashApp, there is no sense of urgency to solve the problem as they see it's now the problem of my bank. I am beyond frustrated that I am not getting any further with them and have no other information from them other than a " transaction number '' that is supposed to reveal where the funds are. My bank says otherwise.
Product: Debt collection

A company has been calling me, my extended family ( to include in-la ws ), and E VEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator  XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows : AMERICAN RECOVERY SERVICE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

i am trying to submit a loss mitigation application to fay servicing i keep sending forms they want more i send them they say its not fill out right right i know they are ok i ask them to send another form it takes almost two weeks.the account manager is never available its like they kill time until time to take the house, my wife had a XXXX XXXX in XX/XX/XXXX our daughter gave her th XXXX they both had a few problems after XXXX.and my wife have had XXXX XXXX XXXX since medical bills and medicine was so exspensive i had i had to borrow money on the house which we have been in since XX/XX/XXXX.i got a little behind, we can make payments if only give us a chance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I checked my Experian account and seen where they had a wrong address on file for me, I disputed it because we have never lived on XXXX  XXXX, they said it was fixed, checked the status and it's still the same, they changed nothing. Also seen on Experian that they are using my husbands SSN, It wouldn't let me dispute it. Why is his SSN on there? Went back and looked at my personal information and now there are No SSN in that profile. I know what i saw, Experian is the hardest credit reporting agency to navigate. I also tried calling, had a computer the entire time with No options to help me with the SSN on my account. Any help you can give me would be great because getting right info to fix problems on Experian is not an option. Had also filed a dispute about wrong name on a medical bill, Said XXXX XXXX ... .but since they had my SSN they just changed the name on the report and added it to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.
Product: Other financial service

Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. 
Guess its a scam? But ca n't figure out how it works. No money being asked from me.
Product: Credit reporting or other personal consumer reports

Late XXXX, my account was incorrectly put under the status of " charge off '' - I repeated asked how this is possible given that you can not charge off an account that has no negative history. the account reads on the XXXX report. 

NO LATES, CHARGED OFF. 

I have provided the statements and the screen shorts showing NO negative history, and that the account is NOT charged off... 


I have called XXXX four different times, and each time they have said to me that they have no control over the reporting and all they do is report. And I have explained to them in great detail that fair credit reporting act requires an account to be delinquent for a significant amount of time before it can be arbitrarily charged off. Which makes no sense because my account it is not in any delinquent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, Sagestream, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 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. 

Delete immediately and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1. Account Name : XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 4. Account name : XXXX XXXXXXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 5.Account name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 6. Account name : XXXX XXXX XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 7. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 8. Account name : XXXX XXXX XXXX Account number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 9. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 10. Account name : XXXX Customer XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 11. Account name : XXXX XXXX Account number : Delete this account immediately, unless you want to pay {$1000.00} per violation 12. Account name : XXXX XXXX account number is : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 13. Account name : XXXX XXXX XXXX XXXX XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 14. XXXX XXXX XXXXXXXX XXXX account number : XXXX
Product: Debt collection

National Credit Adjust, XXXX XXXX XXXX XXXX, XXXX KS XXXX has no original creditor available. I do not know who they are and can not contact the original creditor and therefore believe this debt to be fraudulent, erroneous, inaccurate and should be part of my XXXX credit report! 
According to 15USC 1681 ( a ) ( i ) I can challenge this account and have it deleted because it is obviously incoirrect and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX on my credit report even though it is more than 7years old and has already been removed from XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated for the second time my account was properly investigated and up to date. Ive disputed everything that was not mine yet its still on my credit report. I was told i had a XXXX account on my credit file by experian and when i went to the bank they told me there was no such account. Ive been looking for cars and less than 3 month ago my down payment was {$200.00} but today XX/XX/XXXX i was told my down payment is $ XXXX. So when i called and talked to someone i was told again that was accurate but that's not possible because i have different credit scores, different amounts owed, incorrect account numbers, incorrect dates of open accounts, incorrect dates of closed accounts, inaccurate addresses, inaccurate names, inaccurate accounts, inaccurate active dates and not to mention it took more than 30 days to respond. This is grounds for removal, they have also violated my rights as a consumer. 


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 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Collections should appear on my Equifax credit file. XXXX XXXX XXXX with XXXX XXXX XXXX an AUD control number was provided to remove the account. The AUD control number for this deletion request is XXXX. 

Equifax needs to remove the account ASAP in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I have never done any business with XXXX XXXX XXXX nor have I ever signed any contract with them. They should not have any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account : XXXX XXXX XXXX XXXX
Product: Mortgage

After simply refinancing my mortgage in person at this location in XX/XX/2015 a series of errors was performed by a crooked lender and title agent who claims that he " plays tricks XXXX XXXX XXXX '' so I would assume there would have to be a witch involved. Then after submitting an ENORMOUS amounts of complaints on behalf of FORTREN FUNDING located in XXXX, my loan then changed hands repeatedly while I was awaiting proper corrections to be made in my favor after I reported all these sorry individuals in this fraud for profit scheme conducted on behalf of my huge success throughout the years here in New Jersey. YOU WILL LOSE!!!!!
Product: Checking or savings account

In XXXX I received a pop-up while using my bank account app to confirm my personal information. On it, I was able to view my SSN which was incorrect. A single number was incremented. I went to the bank twice, once alone to attempt to correct my information and then again with my wife, because it's a joint account and my account information could only be updated when we were both present, and attempted to correct my SSN. A correction was submitted by the banker and on-screen it appeared to be correct. In XX/XX/XXXX I downloaded my credit reports and corrected the XXXX  report where I noticed the alternate SSN had been reported. 

I received a pop-up again in XX/XX/XXXX asking me to check my personal information on my account and saw that the same incorrect SSN was listed on my account. I again went to the bank with my wife. This time we were helped by XXXX XXXX and in addition to correcting it locally forms were signed and submitted to some back-end group to also correct it. At the time I asked to be informed why and when my SSN was changed and what assurances they would be able to provide that my SSN would not be changed again. I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at which point it was stated that they could only see the current information and had no insight into previous changes. 


Checking my credit reports again this year, I saw the alternate SSN was reported to another bureau ( XXXX ), this time with a reporting date attached ( XX/XX/XXXX ).
Product: Credit card or prepaid card

I have a closed account on my credit report with SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX showing a report balance of {$7500.00} I do not know this company, I have never done business with this company and they don't any contract with my signature.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received confirmation from all three Credit Bureau that The accounts that I disputed was removed but it is still on my report
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Checking or savings account

Im so tired of having to file complaints to the CFPB because Wells Fargo is XXXX. 

I got a deposit from XXXX for {$570.00} that was pending on my account, XXXX hours later Wells Fargo removed it off of my account and I contacted them to ask why. 

The agent told me that she still sees the {$570.00} refund in her system yet she does not know why it was taken off however, encourage me to wait XXXX to XXXX business days to see if it would get reflected back onto the account. 

Wells Fargo with held the {$570.00} deposit of mine and then approved XXXX transactions, for {$500.00} and XXXX for {$130.00} and then assessed me an insufficient fund fee charge for each of XXXX of those transactions Right when those transactions posted, Wells Fargo posted my credit of {$570.00} and left me negative when originally that money shouldve been there already yet they did their typical XXXX move and charged me fees. 

I am so sick of having to deal with this every single time
Product: Debt collection

Sent 609 letter to Global Receivables asking for verification of debt. They sent detailed report with amounts owed from the hospital. I asked for my signature to verify i had a debt with this company and did not provide anything but an itemized list of everything i supposively received at the hospital. This is a hippa violation.
Product: Credit card

Macy 's is charging me a { {$2.00} } " Minimum Interest Charge '' fee on a XXXX balance credit card account. My Balance was XXXX on my XX/XX/2017 Statement. I pad the balance in full on XX/XX/2017 way before the end of the billing cycle. On XX/XX/2017 I was charged a {$2.00} fee. This has happened to me several times in the last few years. I want Macys to respond to this and let us know what is being done to fix it. How many other customers just pay the fee? When I called macy 's, they told me it was not an issue and I will always be charged this fee unless I pay the balance in full every month. We should not have to make a phone call and wait on hold everytime this happens. They need to fix this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX