23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX sent a fraudulent unpaid debt to collections for a XXXXXXXX XXXX XXXX that occurred on XX/XX/XXXX. This was a test that was marketed to the public as " free '' with insurance which I held at the time and provided. 

As of today, I've had a medical billing agency ( XXXX XXXX XXXX  ) contact me, then XXXX XXXX ( another debt collections agency ), and now Capital Accounts LLC all call several times and send me mail on many occasions regarding this fraudulent charge. XXXX has stopped calls. XXXX XXXX XXXX sold the debt to Capital Accounts LLC. Capital Accounts is fraudulent claiming that they did not buy the debt and is collecting on behalf of XXXX XXXX confirmed they sold the debt. XXXX confirmed they have a XXXX balance ( likely because of the original sale of the debt ). This was a XXXX test that nearly everyone in this nation received at one point or another over the last several years. The CARES Act or the No Surprises Act should be offering some protection here in my opinion. As a note : the medical billing agency that originally called me over a year ago led me to believe that this was an act of balance billing they were inquiring about which is why I mention the No Surprises Act. 

XXXX claims the debt is a XXXX balance on their end. From what I can tell on the itemized bill, no attempt to bill the insurance was made until XX/XX/XXXX - 2 years later. This is way beyond the reasonable time an insurance company would typically allow and by the time they billed I was using a different health insurance provider and there runout period had ended. Instead of Insurance denying the claim due to unreasonable billing time, they denied it stating I no longer held a policy since my company provided health insurance changed in XXXX. They are unwilling to assist in resolving the debt with any collector. Every time I ask for an itemized bill from the collection agency- they send it to me in order to abide by the laws set out but it shows a XXXX balance because they have already sold it to a new debt collection agency to allow it to become their problem. 

My belief is they are selling the debt because they know any litigation surrounding a collection of {$800.00} for a XXXX XXXX XXXX XXXX, that they did no due diligence in investigating the proper charge, is something they want no part in. PLEASE HELP I really don't want to get involved with a lawyer but this is becoming a major inconvenience as I use my phone for business. 

The ethical bounds of harassing people for {$800.00} for a COVID TEST is absolutely insane. While I'm not sure if this meets the criteria of harassment there has to be some detail I've provided somewhere that can get these people to stop. I can't imagine how many other people in Louisiana, XXXX may have done this to and they paid it because they were scared.
Product: Checking or savings account

I received an email dated " XXXX, XX/XX/XXXX, XXXX '' that " Citizens Checking account ending in XXXX has been overdrawn for 35 days. Please note that accounts overdrawn for more than 60 days are subject to charge off and negative reporting to XXXX. 

Your total amount due is {$19.00}. ". 

This was the first email communication I had received regarding this account for about 4 years. Upon resetting my account password, I discovered that I had a sum of about XXXX that had gone into 'escheatment ' ( which I understood to mean abandoned ). A XXXX $ escheatment service fee was charged by Citizens bank to remove the money, but the account remained opened, a {$9.00} service fee was charged, and since there was no money remaining in the account, another {$9.00} overdraft fee was then charged. 

I had gone into my local Citizens bank branch on XX/XX/year> to request that the account was closed and for these fees to be waived, and I was denied unless the fee was paid ( only through cash or check ). I explained to both the worker and the bank XXXX  XXXX that the account had been abandoned, a fee already charged, and that it doesn't seem right for the account to have additional fees charged once it had been dealt as abandoned. However the XXXX told me that it is 'Citizens Bank policy that they could waive only one fee '', but the rest must be paid for the account to close.

I paid the fee, closed the account, and returned home, but I could not find additional information online regarding the escheatment procedure with Citizens bank.
Product: Credit reporting

On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are following on my credit report. 

XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$560.00} ; XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XX/XX/2023.
Product: Credit reporting

Numerous times I have submitted a request to have information blocked from my credit report as a result of identity theft. I have included the police report, identity theft affidavit and all other requested information. The credit bureau still refuses to block the information. I do n't know where to go now.
Product: Checking or savings account

Former bookkeeper applied for credit fraudulently under the owner 's name, social security and date of birth. Funds were withdrawn from our account illegally and we asked for it to be reimbursed. We submitted an affidavit under their direction, spoke to them yesterday and they have confirmed this loan was indeed taken out fraudulently. Unfortunately their investigation stopped there, until we spoke to them yesterday asking to be reimbursed {$8500.00}.
Product: Debt collection

Noted a creditor that I have no affiliation with listed in my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
I am writing in connection with a late payment reflected on my XXXX XXXX XXXX account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX XXXX dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX  score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from XXXX that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from JPMCB Card Services on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted XXXX and they refused to dispute the duplicate hard inquiry. They directed me to JPMCB to request removal. I contacted JPMCB and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX  days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report XXXX  for their investigation into the validity of my my identity and application. 

My XXXX  score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian must remove any account that was 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of XXXX SS # XXXX XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

Please update the following account below : XXXX. Account Name : XXXX  XXXX. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I applied for the Covid 19 relief and then when that was all over they told me I had to pay thousands of dollars I didnt have or I will lose the house. Since they wouldnt work with me I was forced to apply for loan modification and I applied for packet after packet and got denied. I then was told I could remove my ex ( the coborrower ) off the home during this process and I sent in the quit deed to avoid needing to submit his paystubs and they also denied that packet. I cant even keep track of how many packets I submitted but in the end they posted my house on the internet for foreclosure and I was harassed via phone and strangers coming on my property whom looked through the windows of my kids asking to buy the house because they posted my address all over the internet to be seen.even friends and family saw it. I literally have XXXX from this house. I just dont think this all should have happened when they offered Covid 19 relief and then in turn force people to pay that entire amount in full. I lost my house of 14 years because of this. It misplaced me and my children. It was honestly the most stressful thing I have ever been through in my entire life, I also had a XXXX during this time because of the stress I was under.
Product: Mortgage

12 CFR 706.3 - Unfair or deceptive cosigner practices. 
The fact that I was deliberately or mistakenly placed on this loan as the primary borrow, by the underwriter, means no proper disclosure was provided to me at the time of refinancing this mortgage. I should have not qualified to be Cosigner, since I was not on title had no legal interest in the property. Secondly, I had no legal binding relationship with the owner : no kids, no marriage, no distance relative, never reside at said property. I own owned my own homestead residence and still do. 
Today I am otherwise married for 8 years and has no relationship with the said owner of the property, I have no access to the property as it's located in a gated community, I do not know who resides on the property. 
I have no other blemish on my credit, but it is unrealistic to expect anyone to pay monthly mortgage payments of over {$2200.00} per month to prevent their credit from being ruin. 
Again, I was not given the proper disclosure since I was placed on the loan as the primary borrower.
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 consumer rights to privacy and confiden

tiality under 15 USC 1681. 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 card or prepaid card

PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX, they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years, I now owe aprox XXXX down from XXXX in XXXX
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by Department of Education/ AIDVANTAGE . This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Checking or savings account

I am writing to file a formal complaint regarding Capital Ones mishandling of my direct deposit and their inadequate response to my concerns. As a loyal customer, I entrusted Capital One to provide reliable and timely access to my funds, which I rely on for essential expenses such as bills, mortgage payments, and my familys basic needs. 

Unfortunately, my recent direct deposit has not been credited to my account as expected, and Capital One has failed to provide any clear explanation or resolution. Despite reaching out to their customer service multiple times, I have only received vague responses advising me to check periodically, which is both unhelpful and dismissive of the urgency of this issue. 

Additionally, I have had to take time out of my day to create social media accounts just to chase down information about my hard-earned money because Capital One has not made any formal statements regarding this widespread issue. This lack of communication and accountability is unacceptable and has caused unnecessary stress and financial hardship. 

I believe that Capital Ones failure to process my deposit in a timely manner and their failure to provide transparent communication violates their duty to their customers. 

I kindly request that the CFPB investigates this matter to ensure that Capital One addresses these issues promptly and takes steps to prevent similar incidents in the future. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection agency trying to collect on a debt that I was never in contract with them on. I have shown numerous times I never had a contract with this company and the credit agencies removed it for over a year and then all of the sudden have deemed it legit added it back and did not let me know until I found it was showing up again on my credit report XX/XX/19. If notification wasn't sent to me as to their findings 30 days after my dispute was filed over a year or two ago and this was removed for awhile how can they put it back on and not allow me to dispute again. If I don't have a contract signed with XXXX XXXX then they need to remove this from my credit report IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Mortgage

My loan was transferred to this New Rez Shellpoint Mortgage XX/XX/XXXX. I was informed of the transfer very late. Because of the late notice, I was unable to cancel a payment that I scheduled electronically XX/XX/XXXX with the initial lender. All of the notices I received ensured that all payments made to the previous lender would be credited to my mortgage. Fearing late payment fees, credit reporting, and other negative implications, I made a payment to the current lender~Shellpoint on XX/XX/XXXX as well as XXXX the other lender. I called the evening of XX/XX/XXXX and spoke with a representative by the name of XXXX XXXX and he assured me that any payment made to the previous lender would be credited to my account. I have been calling Shellpoint mortgage every week since that day. Despite proof of payment ( copies of bank transactions, previous lender documents ) they have not credited my account. I have received notices from them threatening to report me to credit agencies. Every time I call, I get a new agent who knows nothing about the situation. After an hour of repeating the issues I am told that it will be escalated and to call back in 48 hours. It has been 4 months without any resolution. As of this date,XXXX, I have called Shellpoint Mortgage 20 times speaking with reps, supervisors, customer service representatives each call lasting on average 45 minutes. The calls always end with an empty apology and promise to escalate. I received notice today that they have reported a late payment to the credit bureaus.