23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter
Product: Credit reporting

Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are?
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan disbursement ( {$800.00} ) less than a week ago on XX/XX/24. An exorbitant amount ( {$110.00} ) was taken without my explicit consent from my checking account on XX/XX/24. I wasnt granted a XXXX  day repayment grace period. This is an industry standard and best practice. It appears as if XXXX paying off a loan with the original loan amount disbursed. I havent had time to use the loan funds yet. The early payoff policy isnt transparent. 

I do not want XXXX having access to my account under coercive and predatory terms. The loan repayment terms are redundant. Theyre due before funds are adequately disbursed. XXXX under these terms would bankrupt an individual. XXXX fees and interest are too hefty! Their business practices are unpractical!
Product: Debt collection

disputed these inaccurate incomplete & inconsistent items on my credit report payment history, Uploading XXXX  & XXXX  credit report that shows the errors & the inconsistency and incomplete is a violation, why is it so different if you get your information from the same creditor. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent and incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX
Product: Debt collection

XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.
Product: Vehicle loan or lease

I paid off my vehicle loan ( refinanced ) end of XX/XX/2018 after I made the XXXX payment. When I logged into account to see if payment was received I noticed that the balanced between XX/XX/2018 and XX/XX/2018 had increased by {$86.00} instead of decreased after the monthly payment was made. When I contacted Citizen One Auto Finance they claimed that they never received the XXXX payment but my bank billpay gave me proof of payment which I told them I had. I also informed them that they gave me the wrong payoff amount to me and my bank and that the payoff was overpaid. That they owe me a refund for the overpayment of the payoff and the missing funds not credited for the movember payment. They claimed they would look into it. The following day I went on to look at my account from Citizen One Auto Finance online and I found my loan-account had been deleted within 24 hours of my call to them and they never responded to my emails on their secure email account when my account was active 24 hours prior. So in 24 hours of me notifying them that there is an accounting error and they owe me money for my overpayments, There is No trace of my account. Non- existed! I couldn't look at previous payments or balances ... Or even see my account number. When I spoke with customer service they confirmed this is their policy! Their policy is to delete all trace of history I have had with them. I informed them that i had copies of the statements and payments I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was improperly handled by the company in question and i 'm now at a significantly higher risk of credit fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last 6 months to have an item reported as included in Chapter XXXX Bankruptcy without success. I have submitted 2 disputes to Transunion and both times it has come back as information accurate. This debt was included in my Dishcarged Chapter XXXX Bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX were notified via mail when I filed and then notified by mail again when my bankruptcy was discharged in XX/XX/XXXX. Despite all of this, they continue to report inaccurately on my credit report. I understand it isn't removed, but it should show a zero balance and that it was inlcuded in bankruptcy. Here is the information below : INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this account appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$21000.00} Original ChargeOff : {$20000.00} Pay Status : >Charged Off< Terms : Monthly for 81 months Date Closed : XX/XX/XXXX >Maximum Delinquency of 90 days in XX/XX/XXXX< Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, twice, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me.
Product: Checking or savings account

Date : XX/XX/XXXX at XXXX XXXX. The amount stolen is XXXX dollars. I have just filed a report with Chase Bank on the same day around XXXX ( They are currently still trying to fix the issue ). 

My checking account on chase had an unauthorized transaction that takes away XXXX dollars using XXXX. I got a text message saying that I transferred XXXX dollars to someone, which I have not done. The payment was still pending while I was checking the account online, which I called Chase Bank to try to stop the transaction. They said they filed a report and have me wait for the result, which will take around 8 to 10 business days. 
Below are the screenshots of the email that was sent to me, telling me I added the person to the bank account and that after I filed a reported chase removed my online banking account.
Product: Credit reporting or other personal consumer reports

One Main Financial reported in XXXX and XXXX of 2024 that I was late reported balance is {$13000.00}. 

XXXX XXXX  reported in XXXX of 2024 that I was late on balance of {$25000.00}. 


In accordance with Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My rights have been violated under this act and I have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection any consumer reporting agency can not furnish a consumer report without my written consent.

15 U.S.C. 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

A creditor may not treat a creditor may not treat a credit payment on an account as late to an open account for any purposes.
Product: Credit card

The charge was for XXXX on XX/XX/year> for crypto.com. I have used the XXXX XXXX before but never authorized for this amount. Navy federal credit union didnt contact me or send a message for fraud I never ever used this amount on any of my credit cards or debit cards they seem like they are not doing a proper fraud investigation. XXXX the company stated my account was compromised and they wont be able to give me a refund I need to dispute it with my bank for fraud thats what I did I havent had any help.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 card or prepaid card

I was a loyal customer for over 15 years with BofA. I had about $ XXXX balance my credit card with them. During the Covid pandemic, I experienced some financial hardship and missed a few payments but chose to use much of the stimulus money I received to pay the card balance thinking I would be able to use the card to cover living expenses. However, when I attempted to use the card, I found that BofA had closed my account without informing me. The account closure not only caused additional financial hardship since I was unable to access the stimulus money needed to cover living expenses, my credit score took a massive hit as this account made up the bulk of my credit limit. I was unable to get any other credit lines because my utilization was now in excess of 100 %. I tried multiple times to ask for BofA to reinstate my account not only to pay the balance down but to have access to the credit limit that took me 15 years to build with them. They refused to reinstate my account, sent me to collections, levied a judgement against me, and are now garnishing my wages. I don't have a problem paying the balance I originally owed. I do have an issue with paying for double that amount in legal fees that resulted from an action they took against me ( closing my account ) that I did nothing to warrant.
Product: Credit reporting or other personal consumer reports

This to follow up on a previous complaint filed. Please see attachments of the previous complaint. 

Upon reviewing my Consumer Reports, I discovered a late payment on an account for which I have always maintained timely payments. Consumer agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on any of accounts including my XXXX XXXXXXXX XXXX XXXX account # XXXX. I am very responsible and never had a late payment. I demand that discrepancy is removed from my report promptly and immediately, as I have upheld my payment obligations without delay. 

I also discovered a new inquiry in my credit report. I have account with this company. nor do I know them. Please remove the inquiry from XXXX, which was made on XX/XX/year>.
Product: Money transfers

Hi, i used REMITLY INC.to do a transfer from my chkng acct. Of XXXX into my wife 's XXXX 's acct of XXXX, i did the transaction on XX/XX/2016 @ XXXX and even paid for express service, then i got t msg frm then confirming t trnsctn at XXXX t same day, bt my wife havent received t $ XXXX she went to t her bnk, XXXX they told her they didnt know this company or deal with them bfr. I call Remitly n ask them abt it, XXXX they say they used the XXXX to do bussines with XXXX, thats why they didnt know abt them, bt again i call XXXX n ask abt Remitly, with t same answer ... they dnt know them!! T funny thing is that i call n complained to t " XXXX '', and they look for thos cmpany, n they are legal n yes, they do bussines in XXXX ... So I call Remitly again, n they insist XXXX is t XXXX doing somthg wrong XXXX not them, i ask for my $ $ back, n they said will take XXXX to return into my acct of XXXX. So u can imagine my frustration bcs that $ $ $ was to buy t gifts for my XXXX kids, Please help me to return my $ $ and clear out this dark bussines. Thnk u very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter on  XXXX   XXXX ,    2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy, that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX ,    2017   ( w hich I did not receive until  XXXX   XXXX  ) stating that the record had been verified and would remain on my report. They did not state how the information was verified, which poses a huge problem. The letter that I sent included a letter from Alaba ma Federal Court stating that they do not provide Public Record information to Credit Bureaus. This record information was not obtained from the court, and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, but instead update more years from being removed.. This lead to inaccurate or unverified accounts unresolved and delayed from proper required removal. 
The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. 

These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to the address listed on my credit report to contact the furnisher to request that they remove the unauthorized inquiry. 
My letter was returned because the address listed on my report is incorrect. 

Santander Consumer XXXX XXXX XXXX XXXX XXXX, TX XXXX TeL. XXXX. 

On XX/XX/XXXX I filed a CFPB complaint about this company XXXX. 
I once agin asked the company to provide any info to show I gave consent or signed a application for credit of any form / written or Electronic. 

On XX/XX/XXXX Santander responded with a statement that they can not verify if a unauthorized inquiry occurred, and that they will need more information to proceed. 

I sent a immediately reply submitted on the CFPB website giving Santander my full social security number and a copy to view to see the multiple inquiries on my credit report. 

Santander then close their response with me on the CFPB with out a follow up statement to answer, with the additional information they requested that was willingly giving to them to assist in their investigation from me, were they able to now provide that I in fact consented to this inquiry with a written signature on a application for credit or a Electronic consent giving permission for these inquiries.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap The company charged me for {$190.00} for a collection from XXXX. 
But I have no active services at present or in the past. 
CREDIT COLLECTION SERVICE Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}. 

WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT? 

IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY. 

CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.
Product: Money transfer, virtual currency, or money service

I'm speaking about CashApp, 3 days after I made a transfer to a contact I've transferred money to consistently over the past 6 month and have XXXX thousands of dollars to, i was advised by CashApp that my account was deactivate because I violated their terms and conditions. I've requested via online chat and via email to provide me with the details of my violations. Instead the keep sending me the XXXX XXXX XXXX XXXX, with some reasons why the deactivation occured. I don't know which reason applies to my situation. They've never told me why they deactivated me.
Product: Credit card or prepaid card

I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX : XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 

BK OF AMER 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: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention