23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX : I was seen in a hospital XXXX XXXX for an injury and after 90 minutes I was discharged home. 

XX/XX/XXXX : I received an Explanation of Benefits from my medical insurance provider, XXXX XXXX, which indicated I had {$0.00} patient responsibility to the provider ( s ) for my treatment. 

XX/XX/XXXX : I received a vaguely-worded letter from a debt collections agency claiming I owed {$810.00} to XXXX XXXX XXXX XXXX . 

XX/XX/XXXX : I sent a reply to the collections agency via USPS Certified Mail that I wasn't familiar with the charge ( s ) they were referencing. 

XX/XX/XXXX : I received another memo from the collections agency ( dated XX/XX/XXXX ) that these charges were associated with the hospital XXXX visit on XX/XX/XXXX. They provided a statement dated XX/XX/XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ) claiming that the insurance company only paid a portion of the provider 's services. Needless to say, this was a " SURPRISE BILL ''! I had received ZERO contact or correspondence from this group and the mailing address they provided is 400 miles away. They also didn't include a telephone number for correspondence. 

XX/XX/XXXX : I called my health insurance HMO to investigate what they have documented on their files. They verified that the claim from the " emergency medical group '' had been processed and paid in early-XXXX XXXX. The representative from my HMO researched the medical group and located a telephone number ( XXXX ) for them. The representative placed me on-hold, then called the medical group and left a voicemail message with both the HMO phone number and my telephone number, requesting that they please call back at their earliest convenience. 

XX/XX/XXXX : I sent a second reply to the collections agency via USPS Certified Mail stating that I had never received any statements or memos from this medical group and that I had been in contact with my medical insurance provider who indicated the medical group had received payment for services rendered. 

XX/XX/XXXX : I have made several subsequent attempts to contact the medical group by telephone ( XXXX ) but incoming calls are immediately routed to voicemail and I have yet to receive a call back. 

XX/XX/XXXX : This seems like a scam to me and I would like assistance on how to resolve this situation. I would be happy to provide documentation, but will first need the opportunity to redact the documents for PHI and PII.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute inaccurate information on my credit report and the credit reporting agency continues to report the unverified information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Bank of America did a hard credit pull and I never applied for anything I asked them why is it showing up they said they have the right to view at any time because I use to have a account with them I told them that was 20 years ago and I want this removed from my credit score I was told there was nothing I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 there was an inquiry on my credit report from XXXX XXXX that I did not apply nor approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information that I have attached to this complaint your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX  XXXX, XXXX, OH XXXX
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following account be verified or removed immediately. Collection Agency : Caine & Weiner Company Original Creditor : XXXX  XXXX  Balance : {$160.00} I requested that Caine & Weiner Company USA provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay Provide me with copies of any papers that show what you say I owe Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

Answers to these questions were requested also : Who is the current owner of this alleged debt? 
Who is the original creditor for this alleged debt? 
If XXXX XXXX XXXX is the current owner, when was it purchased? 
Who was it purchased from? 
Have you assigned the alleged debt to another entity for collection? 
If so, to whom was it assigned and when? 
Have you sold or otherwise transferred this alleged debt. 
If so, to whom was it sold and when? 

In my XXXX letter to Caine & Weiner I requested that they provide the statements and documentary evidence for validation of this account.
Product: Checking or savings account

On XX/XX/, there was an unauthorized {$500.00} transfer out of the joint account both my wife and I share. The bank sent my wife an automated Daily Account Summary Alert at XXXX XXXX. My wife, upon reviewing the email while at work, called chase at around XXXX XXXX. When calling Chase, they told her we should buy a service they sell that better secures our accounts. After several questions, and insinuations alleging she was lying, and that we " just forgot '' we sent the transfer, she were able to file a claim. They said they would investigate the claim, they froze all withdraws from that account, locked my wife out of her online account, and recommended we close the compromised account. Which we did together that afternoon. After several days of not hearing back from them, my wife called them again on XX/XX/XXXX. They then told her the claim was denied and would remain closed. Unless we could somehow prove to them it was fraud. I told them that we did not authorize the transfer, we do not know the person it went to, and then asked if they even bother to try to contact the person that received the money. They told me that they do not contact the other person and that all the burden of proof now lies on us.
Product: Mortgage

I have made a purchase on a house I was scheduled to close on Monday, XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the situation where I will have no where to live by week 's end and have to pay fees and penalties to various companies that I had set up based around the closing date I was provided. There is no resolution or estimated time on when I will be able close on this house and was given poor customer service by those involved at TD Bank.
Product: Debt collection

Again while checking my credit reports I noticed a collection from Diversified Consultants for a XXXX bill that does not belong to me. In fact I was in XXXX during the said time I signed a contract for their services. I have once tried to dispute the validity of this debt by requesting the original contract that I was accused of signing. I didn't receive any communication about this matter. I have researched a consumer relief attorney to handle this very stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX  XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Product: Credit reporting

Looking to sell my home and purchase a smaller XXXX, I worked with a realtor. My credit score came back low, a shock to me. Upon reviewing the report I found an account opened that was not mine. I reported an identity theft to all XXXX credit agencies, requested it be removed, to no avail. I submitted a police report which came back conclusive for identity theft. Officer stated I should contact all XXXX agencies and provide the proof she gave me and demand the account be removed. All but XXXX credit reporting agency accepted my dispute online. Experian refused to accept my information and wo n't answer calls. I have yet to have the account in question removed.
Product: Credit reporting or other personal consumer reports

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and they refuse to remove false information on my credit report.
Product: Credit card or prepaid card

I have made a total of {$6800.00} in payments since XXXX. The more I pay, the more i seem to owe on my Sears Mastercard. I called the company twice now to complain that it is showing I am credited the payments, but I don't believe the payments are actually being deducted from my statement. When I called today, I was told they would be mailing my statements since XXXX to review if there are any unrecognizable charges, which I had already told them there aren't. The problem is that they are not actually crediting my account - I believe I am making huge payments that someone at that company is stealing. I am transferring the money from my bank account atXX/XX/XXXX. I think during the transaction, the money is not being actually credited to my account. Also, when I try to access my account online, it denies me privileges to my profile and also keeps stating that " new cards are being mailed to you '' - I did not order any new cards. I have the same card, so this sounds like they are stealing my money and payments. 
Please help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX ( home ) ( XXXX ) XXXX ( work )
Product: Credit reporting or other personal consumer reports

I tried to pull my report and receive the following message : " Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX '' But when trying to call no human is able to help. So I am not able to get my report
Product: Student loan

I sent the attached letter to my student loan company since they had not been sending me statements about my account. At the time I did not have an online account with them, they had purchase my student loan from the original creditor. In XX/XX/2020 a letter arrived at the residence of my parents that indicated my account was overdue. Nor that address nor my self at my current address received any other forms of notification before this collection letter. I immediately contacted Navient, signed up for an online account and brought the account current. Since Navient did not provide statements, nor are these statements available this violated Regulation Z requirement for periodic statements. This negatively affected my credit and I wrote to Navient in the first week of XXXX asking them to correct the credit report. I mailed the letter to the designated address on the back of the loan statement under the heading " Disputed Sums '' ( Navient, XXXX. XXXX XXXX, XXXX, PA XXXX ). It has been over 30 days and I have received no return correspondence from Navient about my dispute. This violates the Fair Credit Reporting Act as I disputed the inaccuracies of my credit report due to the absence of statements before the collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Navient. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Number is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with ADS/COMENITY/VICTORIA ( Account Number XXXX XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedures used within 15 days of receiving a consumer 's dispute. Despite previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate and transparent to protect consumer rights. The lack of clarity in the investigation process violates this fundamental principle, leaving me unable to verify the validity of the account information in question. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXXXXXX I kindly request that you provide the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, please provide the requested information in compliance with the FCRA and TILA.

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute.

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law.

Furthermore, it's important to note that my personal information may have been affected by the Equifax data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately.

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.
Product: Credit reporting or other personal consumer reports

This complaint is being submitted with serious concern and is not in error. My credit report contains false and inaccurate information, which has been negatively affecting me in multiple ways. The presence of these inaccuracies is causing significant stress and frustration, disrupting my peace of mind.
Product: Checking or savings account

My husband has been a customer for Chase for 5 years. After we got married, he decided to add me on his checking account and open a new savings to pay for our mortgage. We opened a savings XX/XX/XXXX and days later we noticed that he's debit card didn't work and also his online banking. I called the bank XX/XX/XXXX and they told me that the documents have not been uploaded to the system and that our account is locked. The person told me to give until Wednesday XX/XX/XXXX so the back office can upload the documents. Wednesday came by and I called again, they said that the account is restricted because of invalid documentation. They said that the account will be closed automatically XX/XX/XXXX and they will send a check. I respectfully asked them many times to let my husband or myself go to one of the branches and withdrawal our money ( {$5500.00} ) and they don't care. Today is XX/XX/XXXX and the account still open and no check has been sent. I called again and a manager named XXXX, I think, said that until we provide documentation the account will remain restricted and is not gon na get closed. I said to him that my husband 's status is not gon na change in the next year, that he has the same documentation he provided when we went to the branch to add me on the account. This manager said there is nothing he can do so basically we are loosing {$5300.00}. This account has been restricted for almost 4 weeks and we have a mortgage to pay at the end of this month, I believe this is our money and Chase don't have the right to restrict our money for 4 weeks and longer. If we couldn't open the account and my husband wasn't eligible, they should have just told us since the beginning. My husband don't have any new documentation to provide because his status has not change and is not gon na change soon.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks