23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After an emergency room visit on XX/XX/XXXX, to which I was admitted, I was not told I would receive bills from each and every person I came into contact with. But, I did. It was a learning experience. However, upon receiving the hospital bill, I applied for financial assistance, since I am a XXXX XXXX XXXX XXXX with limited and infrequent income. My insurance only covered a portion of the total bill. When the emergency room physician bill came in, ( which was higher than the actual hospital bill, approximately {$1100.00} ) I contacted them to make arrangements to pay what I could. I also told them I had applied for financial assistance and they said to forward it to them if and when I was approved. It took several months before I was approved, but in XX/XX/XXXX, I received the letter for 100 % financial assistance, good for 6 months. 

I stopped receiving statements shortly after I began making payments to XXXX XXXX XXXX. I didn't have an account number or address to send payments to, until I contacted my insurance company to get the information from them. 

I mailed in a payment on XX/XX/XXXX and received a collection notice from Affiliated Creditors dated XX/XX/XXXX. I called the billing department of XXXX XXXX  XXXX XXXX and was told they would not accept the financial assistance approval letter because I was in collections. It seems to me that these outside billing companies are determined to not accept payments and will readily hand them over to collection agencies so they don't have to honor their agreements with patients. 

ACI called me on XX/XX/XXXX. I have not returned their call but will be sending them a certified C & D letter. I continue to make payments to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.
Product: Credit card or prepaid card

I have a corporate green card which entitles me to get a {$50.00} annual credit off the annual fee on my amex blue cash preferred my annual fee was charged in early XXXX and its now been XXXX weeks. I STILL have not receive my annual credit even though i'm enrolled in the benefit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i found this mistake today equifax got me kisted 60 60 90 90 120 on their site and experian got me listed 30 30 60 60 90 which sounds more correct to me
Product: Debt collection

On XX/XX/2015, my attorney wrote Hunter Warfield a letter of representation regarding HW 's efforts to collect an illegal debt and requested that it cease and desist further collection efforts and remove negative information from the 3 credit bureaus. The letter was faxed, mailed and emailed to three people at Hunter Warfield and XXXX XXXX XXXX. The debt was not validated per my attorney 's request. My attorney and I never heard another word from this creditor. It was assumed this matter was disposed of. I recently received a notice from XXXX of this derogatory reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both TransUnion and XXXX have incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXXXXXX XXXX 

But that is all incorrect! As XXXXXXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXXXXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXXXXXX XXXX  's mistake to report that incorrect information to TransUnion and XXXX, and there was never a delinquent nor overdue. 

XXXXXXXX XXXX has fixed the mistake, but TransUnion and XXXX continue to report my credit score as XXXX when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. 

So TransUnion and XXXX should return my credit score to near XXXX, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Product: Checking or savings account

Chime received {$850.00} back from a merchant on my behalf. According to the merchant they sent the funds to chime and chime accepted them however chime refuses to give me the money they keep saying no error was made and I will not receive a credit for disputes.
Product: Credit reporting

to whom it may concern i am having a issue with credit report agency innovis not complying with Fair credit Act Codes and Regulations bascliy violating my rights i requested a consumer report i received it i saw things out of place i disputed them online and with a dispute letter requesting the Documents they use to determine that the claim was verified. along with the name and number of the people they spoke to verify the account i have attach supporting documents for my complaint
Product: Credit reporting or other personal consumer reports

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. EXPERIAN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account called XXXX on credit report. This is not my account and my information has been compromised. XXXX information does not match my personal information. Therefore, this account should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX Bank, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries fromXX/XX/XXXXon XX/XX/XXXX, XX/XX/XXXXl on XX/XX/XXXX, and XXXX XXXXXX/XX/XXXXon XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I opened a new CC with USbank in order to do a balance transfer to pay off a higher rate loan. I conference called USbank and XXXX XXXX in on a call together so USbank could get all the info they needed to send out a check to XX/XX/XXXX. A week later come to find out after having them on the phone together USbank still managed to get the company name wrong on the check. So, USbank put a stop pay on that check and issued a new one to XXXX. At that point XX/XX/XXXX charged me a {$10.00} fee for a NSF check. I called USB asking them to refund me the {$10.00} since it wasnt my fault nor was it XX/XX/XXXXXX/XX/XXXX fault this all happened. USbank refused, which is predatory, it was all USbanks fault not mine. At this point I want my fee back and I want back all the higher interest Ive had to pay daily now because of how much longer this has all taken. I repeat, all at the fault of USbank. A {$10.00} fee reimbursement plus roughly $ XXXX/day of interest on the existing loan that would have otherwise been paid off already had USbank not screwed up. I also want my balance transfer fee waived, due to the the amount of my time I have burnt up. Their customer service is deplorable, I dont know how this company is allowed to operate treating people this way over such a minimal amount, especially since ( once again ) it was all their error! Please help me and please look into this banks practices, this should not have ever gotten to this point. They record all their calls, ask them for the voice recordings you can hear exactly how this all happened for yourself. Thank you!
Product: Debt collection

Request for Validation of Debt Dear Customer Service, I am writing to formally request validation of the debt associated with the account number XXXX, which is listed as a collection account with a balance of {$1700.00}. 

According to my records, this account was opened on XX/XX/XXXX, and is reported to be past due as of XX/XX/XXXX. To ensure that I have a complete understanding of my financial obligations, I would appreciate your assistance in providing the following information : 1. The original amount of the debt and any additional fees or charges that have been applied.

2. A copy of the original contract or agreement that outlines the terms of the debt.

3. Documentation that verifies your right to collect on this debt.

Please note that I am exercising my rights under the Fair Debt Collection Practices Act, specifically : - *

*15 USC 1692 ( d ) ( 2 ) ** : Prohibiting harassment or abuse. - **15 USC 1692 ( g ) ( a ) ** : Requiring validation of debts. - **15 USC 1692 ( c ) ( a ) ** : Governing communication in connection with debt collection. I would appreciate your prompt attention to this matter, and I kindly ask th
at you provide the requested information within 30 days of receipt of this letter. 

Thank you for your cooperation. I look forward to your response.
Product: Mortgage

On XX/XX/XXXX I sent a subpoena to Morgan Stanley to get all records about a house that I purchased on XX/XX/XXXX. I received nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft
Product: Debt collection

I have attempted to dispute this debt as I believe it was fraudulently charged via identity theft. I was incarcerated during the time period this debt was charged off by creditor. Pursuant to FCRA 605 ( b ) this company is in violation of reporting this to CRAs without my permission.

A written request was sent to company requesting validation by proof of original contract with authorized signature pursuant to consumer code 15 USC 1682 ( g ) ( b ) and 15 USC 1681 ( a ) ( 2 ). Company has failed to provide the validation i formation has continued to violate my consumer rights by reporting to CRAs unlawfully. 

I will again attempt to send a request for validation pursuant to consumer laws. Should the company provide verification of original contract with my authorized signature on the contract, then I will withdraw this complaint. Should the company fail to respond within 15 days with proof of validation I will seek to pursue remedy against this collection agency pursuant to 18 USC 1028A.
Product: Credit card or prepaid card

XX/XX/2021 : Tried to call in a payment on my discover card but their automated system refused to acknowledge me responding " MAKE A PAYMENT '' despite the fact that my discover card statement clearly states, " For a faster, easier way to pay ... [ phone symbol ] XXXX '' The first time I called, their representative hung up on me and that was 14 minutes wasted. The second time I called it took me 18 minutes for the representative to accept my payment and he would ONLY accept it as a " third-party. '' I made a {$9400.00} payment last month and I am trying so hard to give them more money this month but they want you to jump through a million hoops like a dog. 
I gave them my name, address, phone number, social security number and last four digits of my account number. 
They REFUSED to explain why their automated system will not begin the by-phone payment process when you are clearly stating " MAKE A PAYMENT. '' Their automated system has been an ongoing problem for over a year. 
PLEASE help stop their excessively oppressive and laborious and tyrannical mistreatment of customers who are trying to give them money. Thank you for any help with this awful company.
Product: Credit reporting

We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.
Product: Debt collection

I have challenged the accuracy, compliance, and reportability of this listing. 
I've asked that this debt be validated with American Capital Ent and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus withthe required disclosure within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with the proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Credit card or prepaid card

On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry 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 XXXXXXXX
Product: Debt collection

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am asking that you take immediate action to correct the errors that you have made on my credit report. I will not accept any further delays in resolving this dispute. If the inaccurate information is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed and not providing me with a signature to validate the debt. And you sent a letter showing the correct owner of this debt. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following list below is all the Hard inquiries that are still showing up on my transunion credit report even though they were all removed a long time ago - I have been a victim of the " inquiry issue '' that Transunion has experienced and as a result have had all these inquiries remain on my report after repeated attempts to make it clear I wanted them removed immediately. 

I will pursue this to the full extent of the law as per section 611 in the credit reporting act they never notified me that these inquiries were going onto my report so i want them removed immediately. 


XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX   XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX Don't have anymore info and I dont remember this company at all. 

XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Checking or savings account

My checking and saving Account is in Bank of America. My account is locked and when I approached to BANK they said there is wrong cheque was made with my account. I don't know how it happened. I tried to request them but they said your account will not reopen in BOA. Please help me
Product: Credit card or prepaid card

I have reached out to XXXX XXXX, and explained to them I have never had an account with their company. They told me to complete this forma nd they w3ill investigate it. This is affecting my credit and would like it to be removed immediately. 

-XXXX XXXX