23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX in XX/XX/XXXX due to being laid off. I incurred XXXX XXXX bills. The facilities an, but not the physician billers. When i received collection bills for these visits from IMC Credit, i sent letters to the debt agency and the billing company ( XXXX ), asking them to detail the status of the debt ... date of service, had insurance been billed and if so, what did i owe as a remaining balance. I received no response. Until, I received notice from an attorney that a judgement had been filed against me for the bills. I called the debt agency asking why a lawsuit was filed versus responding to my questioning the debts and was told that if they received a letter questioning the debt and did not feel the questions were specific enough, they would not respond to the letter. I guess they did not feel my questions were specific enough, because i received no response. Just notification of lawsuit. I spoke with the biller ( XXXX ) of this debt and they said they never attempted to bill my insurance for XX/XX/XXXX and XX/XX/XXXX, but somehow was able to bill for XX/XX/XXXX. I was told by them they did n't have the insurance info, likely due to " electronic systems not being reliable ''. I was also told that i would have been better off calling in to ask for status, than sending a letter, as I received no response to my written requests from them either. I do not feel that having a judgement filed against me is fair at all. I 've sent them letters asking for info that went ignored. I 've told them during collection calls to send me info in writing. I made necessary attempts to get clarity so that i could figure out how to resolve. 

I would like to make note that, I have not received anything notifying me of the judgement from the court yet. I received a letter from XXXX bankruptcy attorney 's advertising their services because they saw that a judgement has been filed. I confirmed the filing with IMC via phone on XX/XX/XXXX. However, I feel that there is no need for a judgement or any court proceedings because I provided the proper insurance information to the hospital each time I was seen and i have attempted to contact them via writing with no response back.
Product: Credit card or prepaid card

CFPB C/O JCPenny ( XXXX XXXX ), I lost my wallet last night and your IVR does not attend to the needs of a lost card option, or maybe lack thereof. It takes me XXXX to get to a live representative and that is far out of reach to get to a live agent. I dont even think you are XXXX compliant with the lack of input on your IVR. Even when I press o or the # sign it does not give me a live agent or if I bypass my last 4 numbers of my SSN it will hang me up, I am obligated to hear the whole recording of my balance and last transaction. This is horrendous especially since my card is lost and I need to freeze or cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I have paid this debt in full. I have sent them a copy of my payment receipt and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 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: Checking or savings account

First, I used my Marcus Goldman Sachs savings account routing and account number to make my property tax payment on XX/XX/2024 that would be due on XX/XX/2024. Then, I tried to withdraw {$5000.00} from my savings to my checking account on the same day and the day after but got an error about a technical issue each time. Finally, I called customer service on XX/XX/2024 and was told my savings accounts were restricted/locked. I was never given the reason. I spent half an hour on the phone with them to get the restriction lifted. I asked them to confirm if my property tax payment would go through and they confirmed it would. I got another call in the afternoon from them about my property tax payment. I told them I spoke with them earlier that day and that the restriction was lifted. I asked them to confirm again if the property tax payment would go through and they confirmed it would. Today XX/XX/2024 I received an email from the tax collector that the payment did not go through and would be delinquent at this time. I rushed to pay my property tax in person and had to pay a XXXX  % penalty that added up to over {$600.00}. I called Marcus Goldman Sachs again to issue a complaint and asked again for the reason why my accounts were restricted/locked in the first place without ever notifying me. They could not give me the reason.
Product: Credit card or prepaid card

I made a payment of {$8600.00} on my Capital One Platinum Mastercard on XX/XX/XXXX. My card is setup for autopayment for the minimum payment due. I made two charges to the card for {$210.00} on XX/XX/XXXX and budgeted to pay it in full in my next billing cycle. Even though I made a payment earlier in the month, and the website stated no payment was due this month the autopayment withdrew {$170.00} on 2/23/2018. It is Capital One 's policy to automatically withdraw money even if you made a payment in the billing cycle if there is not a {$0.00} balance. This extra payment really messed up my already tight monthly budget. When I caught the extra payment the next day it was already withdrawn from my account. I called Capital One to ask for the extra payment to be put back into my account because I never intended to make it. They refused to refund the extra payment citing their policy. I ran  into the same double payment problem with my XXXX XXXX XXXX credit card this month, and they refunded the extra payment with no issues.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Reinserted Fraudulent Account in Violation of FCRA Complaint Details : I am filing this complaint to address TransUnions improper reinsertion of a previously disputed and deleted fraudulent account, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Background : I am a victim of identity theft due to the XXXX data breach, which resulted in fraudulent accounts appearing on my credit report. Following my dispute, TransUnion initially removed the fraudulent XXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) ** from my credit report, acknowledging its unauthorized nature. However, this account has now been reinserted without proper notification or compliance with the FCRA 's procedural safeguards.

Violation of the FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reinserts previously deleted information, it must : Notify the consumer in writing of the reinsertion within XXXX business days. 
Provide the consumer with the name, address, and telephone number of the furnisher of the information. 
Ensure the reinsertion is based on a certified determination of accuracy by the furnisher. 

TransUnion has failed to comply with these requirements, as I received no notice of the reinsertion and no explanation regarding its certification or the source of the information. 

Impact : The reinsertion of this fraudulent account has caused ongoing harm to my credit report, creditworthiness, and peace of mind. XXXX actions not only violate federal law but also exacerbate the challenges I face as a victim of identity theft. 

Resolution Requested : I request that the CFPB : Investigate TransUnions noncompliance with the FCRA. 
Compel TransUnion to permanently delete the XXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) ** from my credit report. 
Require TransUnion to provide a detailed explanation of its reinsertion practices and the safeguards it employs to ensure compliance with the FCRA. 
Enforce penalties for XXXX failure to adhere to federal law and protect consumers. 
Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Credit Card - Credit Union XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department of EDU Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry appearing on my credit report dated XX/XX/year>, from " JPMCB CARD SERVICES ( Bank ). '' I do not recognize this inquiry, nor did I authorize any credit application or transaction with this institution around that date. 

Please investigate this matter and remove the unauthorized inquiry from my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit card

The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccurate late payment information reported on my credit report for the above-referenced account, held with XXXX XXXX. Upon reviewing my credit report from TransUnion, I identified discrepancies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. These late payments do not align with my payment history. To the best of my knowledge and records, I have consistently paid this account on time. 
Account Information Account Number : XXXX High Balance : {$390.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
Request for Investigation Pursuant to the Fair Credit Reporting Act ( FCRA ), I kindly request : A detailed investigation into the inaccuracies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. 
Documentation or proof supporting the claim of late payments, including specific dates, amounts, and any relevant communication. 
A description of the investigation process followed, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of receiving this dispute. 
If no valid proof of late payments is provided, I demand that my credit report be updated to reflect the accurate status of " Paid As Agreed Never Late. '' Thank you for your attention to this matter. I look forward to your response within 30 days. Attached is a copy of my credit report for reference. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am write to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiry that I don't recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau he documents needed are a picture ID, a bill, and a letter from a advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.
Product: Vehicle loan or lease

I entered into an agreement for a car loan with XXXX on XX/XX/15. The loan was for 60 months at interest rate of XXXX for a total amount of {$35000.00}. After 2 months the loan was sold to Bridgecrest, which I believe is the same company as XXXX based on the telephone numbers I called to make payments. During the course of the loan there was a repossession which was cured but the money paid to cure the repo was not reported on my payment history. There were late payments on the account which were charged {$50.00} per my contract for each month the payment was paid late. They did put 7 monthly payments at the end of the loan which would have made the loan a 67 month loan to payoff. I continued to make payments and realized that I'd made 72 payments. I called Bridgecrest to speak with someone but I kept getting the run around. I sent 2 letters asking for why the loan wasn't paid off yet since I'd made 72 payments on a 60 month loan. Even if they added the 7 extra months it still should be finished. I continued calling and finally stopped paying the loan until I get an answer about this.
Product: Vehicle loan or lease

I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.
Product: Mortgage

I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a new account was reporting to my credit report. Upon investigation, I noticed that this is regarding an account/debt that I have NO knowledge of. I have never received any correspondence from this BYL regarding said so-called debt. I have never lived at XXXX XXXX ( located in XXXX, GA ) or ever signed a lease with this company. I have never lived in XXXX GA. I want this removed from my credit report ASAP.
Product: Credit card or prepaid card

To : CEO/CFO/ LEGAL DEPARTMENT OF CAPITAL ONE N.A XXXX I XXXX XXXX XXXX come to you in Good faith and Honor to exercise my rights that the Law allowed me on a consumer credit transaction and rebuttal a Letter that I had received from you guys dated XX/XX/2023, With account ending # XXXX that my account been closed and copy has been download on this complain. On that letter you said reason of my account been closing without my consent, ( violation ) are because activity on this or another account are not consistent with our expectations for account usage and violates the capital One Customer Agreement. Really? What expectation? What another account? And that I still responsible for paying full amount. Really? Well like in any dispute or complain, any claim " hear said '' without any evidence contract is Void, Right? Any violation or activity that you claim under the Law or Agreement as a " CONSUMER '' allowed me to Exercise on a " CONSUMER CREDIT TRANSACTION with account ending on # XXXX if you can't prove it with the Law, " not hear said '' is null, and any balance under 15 u.s.c. section 1666d on excess of {$1.00} on account is send back to obligator after six months of account opens, by creditor in Good Faith. Now unless you can prove with the Law that I'm wrong and you right on " Subject Matter '' everything on that Letter is False and Misleading and is a Violation 15 u.s.c. section 1611 : criminal Liability for willfully and knowingly. And under 15 u.s.c. section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) " ECOA '' " FCRA '' " TILA '' NO ONE CAN BE DENIED OF CREDIT OR REVOCATION, A REFUSED TO GRANT CREDIT TO TERMS AMOUNT REQUESTED AND A NEGATIVE CHANGE IN ACCOUNT TERMS IN CONNECTION WITH UNFAVORABLE REVIEW. At this time we request for Capital One N.A. to send us a " ORIGINAL AGREEMENT '' on the " SECURITY INTEREST '' where you claim I own you the debt. At the same time request to fixed all past, late or delinquency payment on credit report, because under 15 u.s.c. section 1681a ( 2 ) Exclusion : consumer report does not include ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. Meaning everytime Capital One N.A. Make a report as late payment or delinquency is false and misleading on someone credit report and is a violation of {$1000.00} for each violation Under 15 U.S.C. Section 1681n. Meaning as right now Capital One N.A. Has report to my credit report late payment 3 times on all 3 different credit report agency 's meaning you own me {$9000.00} because is everytime you reported. Send to my address on file with account. So if illegal to report " LATE, DEFAULT, DELINQUENCY on a Credit Report, what Im paying for if nothing is late or delinquency?
Product: Student loan

The Account balance and Information for the Mohela/Dept of Ed loan is incorrect. This Account was paid up in full years ago and now it has hit my credit report as 120 days late and is truly a hindrance to my Credit growth and potential. It reported late in the month of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 hit my credit file on Experian 6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX  XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states
Product: Credit reporting or other personal consumer reports

This inquiry needs to be removed. the inquiry happened during a data breach. You can look see that I have no accounts or association with this company. Proof was requested showing that I requested credit with this company. None was provided. This inquiry needs to be removed. XXXX XXXX XXXX XX/XX/year>. Only showing on Trans Union credit report.