23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I began a very lengthy XXXX XXXX brought on by non-compliance with my XXXX XXXX and XXXX medication and XXXX. In XXXX, I found myself XXXX, unemployed, and trying to survive believing my loving family didnt want anything to do with me ( a symptom of the psychosis ), which was actually completely false, which I would find out later. 

In XX/XX/XXXX, I was fishing with a friend at night on a jetty which isnt a great idea, as it did not take me long to fall. The friend took me to XXXX XXXX XXXX XXXX XXXX, where quite a number of XXXX, XXXX XXXX, and God knows what else. I was clear with the admitting folks that I was broke, XXXX, and uninsured, completely indigent. 

Im happy to report no life-threatening injuries were revealed in the test. As I was lying in the ER in pain, my friend signed all the admiring and billing paperwork, which I knew nothing about until I received copies of that earlier this year when I learned a {$9.00} medical dent in collections was on my credit report. I realize I was treated that night to the best of their ability. Treated for a XXXX XXXX XXXX XXXX  and some XXXX XXXX, However, regardless of the diagnosis, I was crystal clear that I was uninsured and unemployed and in no way could afford an ER bill. No patient financial services personnel ever showed up at my bedside that night and I was released. 

I am very stable right now, and have been for some time. I am a XXXX  and married to a wonderful man. I am XXXX and awaiting some financial assistance from SSA I pray, as I can no longer work, as my symptoms and side effects are much to deal with. Earlier this year, as I began trying to pick up the pieces of my life after over a year of being XXXX, I began a project working on my credit, You van image my surprise when I saw the collection entry that the hospital had placed with a collection agency called XXXX XXXX. I wrote the company asking for validation and they sent me paperwork regarding my stay in the ER that night, signed my someone else, after I told them I was indigent. I have also reached out to XXXX XXXX XXXX XXXX XXXX, when I was told they couldnt help me, because I had waited too long to qualify for any financial assistance programs. Waited too long? I contacted them as soon as it was discovered. 

Finally, I just want this off of my credit report, because in do not owe this debt. I was very clear that I would be unable to pay anything on the night it occurred and I am unable to do so now. This is a sick way to try to make money off of unsuspecting people who are in a bad position going through XXXX   already.

Please help with this. I dont know where else to turn and I am not waiting six or more years for this to go away. I am trying to get my life together, and no one, the hospital or the collector will do anything to forgive and remove this erroneous debt. It is astounding. They are like modern day thieves the way they do business. I guess that tells the story anyway. When hospitals became publicly traded businesses instead of care givers, this is what we get.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Debt collection

This debt collector has reported information to creditor bureau that I owe a debt. However I was never notified of the debt. I discovered the debt via reporting of my credit report. I then contacted the creditor bureau and the debt collector via several methods ( including certified mail ) to notify them that I have disputed the debt and request validation of the debt. However as of today despite my attempts I have received no notification of the debt and the collection agency has violated my rights by failing to provide me with validation of the debt or at the very minimal notifying the creditor bureaus of the dispute. As of date this collection was never placed in dispute despite my many attempts. The collection agency is ignoring my requesting and refusal of my rights.
Product: Credit reporting or other personal consumer reports

Sage XXXX is reporting credit disclosure regarding credit transactions and their information is not up to date, nor does it align with other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts which do not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within  that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my two documents attached. These accounts should have a XXXX balance because they were paid off. XXXX, Synchrony show that the account was closed with a balance due where the negotiated amount was paid in full and the balance was subject to a 1099. These derogatory disclosures are ruining my opportunity to purchase a home. Lenders will not work with me until this is fixed. I am attaching a Letter in Good Standing provided by my Federal Debt Relief Program as well as a snapshot of what is on my current credit report. The accounts listed should be in good standing with Synchrony and XXXX with a XXXX balance paid in full. 

I appreciate your time and helping me with this.
Product: Checking or savings account

I have had navy federal for 5 years maybe longer they still have my account open but I cant do nothing because uI deposit a check that someone purchase an item from me and it was fraudulent I had no intention the check was fraud so they have my account on block snd I cant even open another account because Im in XXXX XXXX I dont owe any money I didnt recieve any money off check I just deposit it so Im not understanding why would I be ban I need answer and question I think the lady at branch was judging me because Im XXXX.I need help I would like to continue to bank with navy federal I didnt know I was being fraud we cant people trying to fraud us I wish I could have.
Product: Vehicle loan or lease

Capital one auto finance reported to credit bureaus that my total loan balance increased by {$52.00} This affects my score it dropped i disputed this NOW theyve reported that my balance had gone up by {$120.00}!! Ive never missed a payment always pay more than required agent keeps saying interest accrues daily i KNOW that! Been paying several years this has NEVER happened balance should steadily GO DOWN not up! Agent says youre all paid up nothing due till XX/XX/XXXX BUT we got your payment but didnt post it until blah blah so somehow the extra $ i paid just vanished agent talks in circles doesnt really say anything and DOESNT explain WHY they keep increasing my loan balance! What is happening to the extra money i always send? Why is this all of a sudden happening?? If they keep adding to the balance even though i dont miss payments and always pay more HOW will i ever pay it off?? Also ive requested paper billing several times and have not gotten it Agent told me XX/XX/XXXX  she would email me the information and did not The online statement doesnt show how much interest each month only total paid to date doesnt break down principal/interest I want paper billing and i want them to STOP reporting my balance increasing every month!! They reported balance DOWN by {$120.00} then changed it NEXT day to UP {$120.00} WHAT is going on with this company??
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name :, has violated my rights. 

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

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I am following up on my previous complaint ( ID : XXXX ), which I submitted in XX/XX/year>. MOHELA has still not resolved my issue. I am attaching a PDF of my MOHELA account, which shows that my IDR application had been approved as of XX/XX/year>, which I need applied to my account for my PSLF payments to count. As of XX/XX/XXXX, MOHELA has failed to place me on the appropriate IDR plan ( I applied for the SAVE plan which has been approved ). Therefore, I am still on the Level plan which does NOT count towards my PSLF eligible payments. MOHELA has removed me from Administrative Forbearance, which customer service once again verified on the phone that I should be on until my account reflects the appropriate payment plan ( IDR- SAVE ). I have taken all the correct steps on my end, and my account now reflects a past due payment due to MOHELA not appropriately solving this issue. For the record, I previously have a 100 % on time payment history. Why am I being faulted for MOHELA 's lack of service? This has caused me such significant emotional distress and I have spent time away from my work to try and remedy this situation once again via phone to MOHELA 's customer service. I was explicitly told by MOHELA customer service that my full account would be placed into forbearance until I was on the right repayment plan back in XX/XX/year>. In addition, MOHELA has continuously had the direct message button on my account XXXX, so I am unable to directly send messages in order to have written communication on file.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute of Multiple Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several items that have been reported on my credit reports from TransUnion, XXXX, and XXXX. The details of the disputed accounts are as follows : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, I have identified discrepancies in these accounts that I never authorized. As mandated by the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies can only furnish reports for permissible purposes. I have not provided written authorization for the aforementioned accounts to be reported on my credit reports, indicating a potential violation of the FCRA. 

For your reference, I have enclosed pertinent documentation which includes proof of my identity, current address, and other crucial details, encompassing my social security card, ID, passport, driver 's license, and insurance card. 

Per 15 USC 1681c-2 and 15 U.S.C 1681 Sections 602 A & 604 A, Section 2, I assert my right to privacy and the inaccuracy of unauthorized entries on my credit report. I demand the removal of the above-mentioned accounts from my credit reports within 24 hours. 

Please find attached a detailed list of the inaccuracies and disputes for your convenience. 

I await your prompt resolution on these matters and expect confirmation of the rectifications on my credit reports. Your immediate attention to this matter is crucial. 

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

I am interested in processing disputes on my credit report to delete an remove all invalid an inaccurate information off my credit report. this has been an ongoing issue that needs to be resolved asap. this is my 2nd attempt to remove all data to clear my file. please review an remove the listed items to correct my credit report asap.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently received a copy of my (, XXXX, XXXX Transunion, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, Transunion, XXXX, They reported my account as LATE in the months of XX/XX/2021 and XX/XX/2021 - 30 - 60 days Names of the accounts : - - XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from XXXX XXXXXXXX XXXX XXXXXXXX, Account Number XXXX on my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payments on XX/XX/2021 and XX/XX/2021 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, Unfortunately, the TD bank has not addressed my complaint. Firstly, I made the complaint and created the case on XX/XX/XXXX which was overlooked by the bank and no response of claim denial was made to us. Secondly, I made the deposit on XX/XX/XXXX and XX/XX/XXXX at XXXX respectively which the bank has confirmed. Both the checks are endorsed. I lost the checks and the checks were withdrawn the second time at end of XXXX. The first check shows 90 days and second check more than 60 days. How is the check reusable after that length of time and no red flags were there while the perpetrator withdrew the money. Since the bank clearly states the check were deposited the first time why did it allow the perpetrators to withdraw the second time with forgery and no warnings were sent to the endorsee. The TD bank completely fail in verifying the endorsee the second time as well as making sure the check was valid. They also failed in seeing the dates on the checks which the bank has also confirmed being made on XX/XX/XXXX and XX/XX/XXXX. I humbly ask consumer finance department to please review and help me get my money which is earned with lot of work and time effort for small people like me. Thank you sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  ran XXXX hard inquiries with XXXX on XX/XX/2023 & XX/XX/2023. The inquiry on XX/XX/2023 was authorized. The one on XX/XX/2023 that was not unauthorized.
Product: Credit reporting or other personal consumer reports

Transunion I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Transunion is reporting transactions on my credit report which is an exclusion 15 U.S.C 1681a- Definitions, Rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit, employment purposes or any other authorized under 1681b of this title. ( 2 ) exclusions- except as provided in paragraph 3 the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize the company XXXX XXXX XXXX date reported XX/XX/XXXX for the amount of XXXX. 
Diversified Consultant is saying owe the same amount as XXXX.. I don ; t agree  with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to title 15 usc 1605 when i got approved for the finance charge i put down XXXX $ and that wasn't even needed. According to the law the car is paid off the moment i get accepted due to " FINANCE CHARGE '' law so i DEMAND this debt gets off my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX
Product: Credit card

I am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX  Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner. 

CitiBank has responded with the following : ( I have attached the letter as well ) We respectfully decline your request to issue credit for the disputed {$790.00} XXXX charge that billed to your account on XX/XX/2023. We previously requested that you provide us proof that you cancelled in accordance with the merchants terms and conditions. An example of this proof would have been a cancellation confirmation email from the merchant. Because valid proof of cancellation was not received and due to the length of time that has elapsed since the charge first billed to your account, we are unable to assist you further through the dispute process. You will need to seek alternate means to obtain a credit. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond.
Product: Debt collection

I am a XXXX woman with low income and I have NJFAMILY CARE insurance and it is covers me XXXX without paying out of my pocket any pennies. I went to the Hospital I have to take some XXXX ordered by my physician and XXXX XXXX sent me to collection when I was not suppose to pay any pennies out of my pocket. They keep send me all this letter and I have been very XXXX.
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to discover accounts on my credit report that simply dont belong there, and I dont understand why theyre showing up. I check my report regularly, so seeing these inaccuracies was completely unexpected. I tried refreshing the browser, thinking it was a display issue, but the errors stayed. XXXX therefore asking that my documents be fully reviewed to prevent this from happening again.