23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called to get assistance with a double extension - Ms XXXX laughed during the conversation - transferred me to a manager Ms XXXX who only wanted me to let her speak and kept interrupting me to state the process has changed - stated that they will only give me a single extension even though I was already told I'd get a double ext 3days ago - she didn't fix the problem nor did she attempt to help - the manager was rude and didn't care what i had to say - i couldn't even finish my first sentence before she started to stop me - the manager then transferred me to the same rep who asked what I wanted and it was at that point I decided to end the call. They still didn't give me the double ext and I refused to take a single to be further behind when I was already told to pay and get a double - i made the payment for the double and they are refusing it
Product: Debt collection

I XXXX XXXX, previously had XXXX XXXX XXXX. As a result of their deceptive trade and sales tactics, erroneously wrongly raising my insurance rates, never defining what constitutes a 'Hard Brake ', and rude and abusive representatives, I canceled both my XXXX  XXXX XXXX as well as my XXXX XXXX XXXX XXXX, and, actually have a refund coming that I never received. I recently received yet another Collection Letter from XXXX ( XXXX XXXX ) purporting to be on behalf of XXXX trying to collect a debt I do not owe, and this is the second time I've received a letter from XXXX. I had my attorney contact them this morning ( Wednesday XX/XX/2022 ), and he spoke with a XXXX XXXX, who said she was : " ... transferring the call to executive relations ... '', she returned after in inordinate amount of time, and, told my attorney to : " ... leave a detailed message ... '', and my attorney told her ... '' I've already explained in detail to you... thank you for not helping me ... ''. *NOTE : It's important to note that this is not the first time both XXXX as well as this company have harassed me and made attempts to collect a non-existant debt, including but not limited to 'Hangup Telephone Calls ' with no message. Please help me end this overt and intentional harassment. Thank You. 
Sincerely, XXXX XXXX
Product: Debt collection

I have continually submitted to CAPIO PARTNERS that this is NOT my debt. I even reached out to the original place of business, a hospital : XXXX XXXX XXXX, & was told this debt does NOT exist, there is NOTHING listed under the patient name. Not even a visit. 

They have yet to provide proof of debt, only stating original debt came from XXXX XXXX XXXX on XX/XX/2023. No proof of account holder, original date of debt, original account holder, original place of debt, names on the accounts, original debt amount, original bill NOTHING. 

My attorneys have told me what to put in the account statements when disputing the debts. It continuously came back as verified when saying things like I had no knowledge or this belonged to someone else, like insurance. Only until I reached out to the originating hospital to find out that insurances did take care of the ONE bill, did my attorneys say to report the collections as fraud. 

Then & ONLY then was it acknowledged & removed. 

But like I said I had to report this MANY times & have proof of those submissions. That is why I am reporting them. To say this debt just occurred in XX/XX/2023 & is verified when it is WELL over 6 years old is fraudulent & a huge scam on CAPIO PARTNERS XXXX XXXX XXXX XXXX as well. 


Please look into these companies : CAPIO PARTNERS XXXX XXXX XXXX XXXX as theyre putting astronomical debts on peoples credit without ANY verifiable proof!! 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, I C System, XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Product: Debt collection

XXXX went into collections on an account that I created. Collector from collection agency called and asked to speak with my husband and stated that he was the responsible party for the debt and she wanted to speak with him. I advised that I was the responsible party and my husband was not listed on the account. She advised that he was since we were married. I advised that I did not consent to information being shared to him and I did not want him contacted. Collection agency sent the bill to husband and addressed it to him. I did not give authorization for him to receive information about my account. Collector said it did n't matter and she would speak with my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record accounts. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month I have intermittently attempted to obtain my credit report from Equifax. I was able to get the report easily from XXXX within a minute or two. Equifax continually stonewalls my attempts to obtain it online or by phone. Each online attempt got a negative response and a " call us '' message. I called four times XX/XX/XXXX and on XX/XX/XXXX. On the first call, I was able to finally reach a person who kept stalling and saying he was waiting on his computer, then later said the system was down and to call in two hours. When I asked him if he would still be there in two hours he said " definitely ''. When I called back in EXACTLY two hours, the automated service said they were closed. The following day, I was asked a number of questions that suggested that my credit had been used by someone to obtain mortgages and bank cards, then the call was terminated. A year ago, when I suspected my address was being used for fraudulent purposes I requested that a notice be put on all three agency reports. I never heard back from Equifax or XXXX.
Product: Credit reporting

My complain is with Experian. My questions are : Why does a data furnisher ( XXXX ) have more authority than United State court documents? Why are United States courts not being used to verify information? How can you use a data furnisher ( XXXX ) that is providing you ( Experian ) invalid information to verify that information is correct? The letter Experian sent to me is invalid because it does not provide the reason United States court documents can be used to verify information. Also, select portfolio has been calling me at XXXX XXXX since I started this dispute with Experian. My lawyer has sent them a letter to desist calling me 2 times. Experian says they will not longer investigate this complain.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed now but not mine XXXX XXXX close but not mine XXXX XXXX not mine XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these are mine and i want them off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts through all three credit reporting agencies but they keep saying everything is correct when it is not. There are several items on my reports that do not belong there. All items are in the negative data. I do not have any open collections accounts. I also see these items are reporting as late each month when they should not be. The original accounts were were different creditors. These accounts were then bought out by debt collectors. The  information being reported on my credit reports are inaccurate and false. One account is a duplicate. One account was paid in full and never went to collections. 3 accounts are all due to my cards being stolen from me while I was involved in a domestic abuse case and they were used without my knowledge or consent. These items are all still reporting as late each month and open which is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$40000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addressed these accounts over XXXX years ago and was confirmed by XXXX XXXX with XXXX XXXX that this was handled and reported to all bureaus and it is still pending on my credit. I have documentation that is attached from the XXXX XXXX that states that I owe NOTHING. I have asked all credit bureaus to correct this and asked XXXX XXXX, and XXXX XXXX to report this accurately and still have not gotten this resolved. Would you please address and see that this is removed from my credit on all bureaus? I need help with this Account XXXX These accounts with XXXX XXXX, XXXX XXXX should be removed from my name. The collection company is PMAB , LLC and was informed this was inaccurate as well. 
XXXX XXXX with XXXX XXXX and XXXX her supervisor can be contacted XXXX XXXX XXXX XXXX XXXX Patient Accounting Patient Accounting Team Lead Direct Dial : XXXX XXXXXXXXXXXX Please remove this from my credit.
Product: Student loan

Mohela/XXXX  are screwing up my loan transfer, I applied to lower my loan payment and also for loan forgiveness. They keep screwing up my payment calculations, payment scheduling and put me in the wrong repayment plan.
Product: Debt collection

I planned to move from XXXX XXXX to XXXX in XXXX. Before XXXX/XXXX/2022, I called XXXX to request them to stop my service. they made sure my bill was paid before ending the service. A monthly letter I moved, I got a letter from XXXX that I must pay XXXX XXXX I reminded them that I paid everything. The lady agreed but say that is the penalty for leaving their service which is not fair. I told them I won't pay because I know anybody can leave any service if they can not use it anymore. I've never got a call for XXXX or the collector since then. Recently, I was trying to get preapproved by lenders, they told me that I have a collection debt. I asked for who, one of the lender gave me the number, I called, they told me it was from XXXX. I explained that the charge was not fair and I told the lady nobody contacted me. Because I did not want to argue with them, I paid off the debt. I am getting hard time being qualified for my mortgage. I need that collection off my credit. It will be very helpful. The XXXX company doesn't want to remove it.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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

I was alerted by XXXX XXXX XXXX XXXX that Hunter Warfield collection company is trying to collect on the behalf of XXXX XXXX apartments, My identity was stolen in 2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I contacted XXXX recipient XXXX ( XXXX # XXXX XXXX for an inquiry of concert tickets. I was told from the original ticket vendor, XXXX, to send over the ticket amount, {$420.00}, to the XXXX recipient as I would receive a transfer of tickets via email as soon as I did so. There was an open format of communication between both the ticket seller and the original vendor until I XXXX  over the {$420.00}, then I received no response or tickets from either. It has been over two weeks now and I still have not heard back from either the XXXX recipient or XXXX, so I am now resourcing for your services to file a fraudulent charge against them. Please let me know the following steps needed to be taken as I wish to resolve this matter as quickly and efficiently as possible. Look forward to hearing back from your division soon and hope you have a great rest of your week! 

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

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been attempting to arrange a payment plan that i myself could maintain. While in doings so I have recieved the run around via telephone for months when trying to communicate payment arrangements and/or agreements. I have tried communicating with them atleast once a month upon my first letter to start repaying this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and adjustment because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, XXXX, and TransUnion that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and or XXXX or XXXX, or XXXX XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of idenity theft. i have 4 accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX fXXXX XXXX XXXX XXXXdate fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Product: Student loan

On XX/XX/2023, I sent information regarding my bankruptcy and the company Navient confirmed that they received that information. They did not process that information correctly. I filed for XXXX XXXX  bankruptcy and I am still in active bankruptcy. The customer service agents nor Supervisor XXXX Employee ID XXXX do not know how to read legal documents. I am still receiving statements for payments and am still being harassed by phone daily for payments.