23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are 2 medical collections that have popped up on my XXXX, XXXX and XXXX credit reports from Medical Data Systems. One is for {$970.00} and the other is for {$11000.00}. I do not recognize these debts, nor did I receive anything in the mail about them or receive any phone calls regarding these debts. I have tried to contact Medical Data Systems to validate the debt but haven't received any debt validation. These are not my medical issues. Please delete.
Product: Debt collection

I was unaware of this debt and I never received a right to dispute the debt. This violates my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account with XXXX  but they are reporting it as a charge off please update to paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Checking or savings account

- I opened up a new checking account at Citi bank solely because they were offering a really good new customer promotion that was hard to resist. The promotion claimed new Citi checking account members would get a {$300.00} bonus to their account after meeting qualifying activities which included the following steps : -Open the checking account before the offer period expired XXXXEnroll in enhanced direct deposit offer -Make 2 or more enhanced direct deposits totaling at least XXXX dollars within 90 days of account opening ( this was done by me more than 2 times through multiple approved deposit methods ) - '' Keep your account open and in good standing until you have received your bonus which will be paid out in 30 days '' It has been 40 days now and I have gotten nothing. I called Citi about this 3 different times and they would not give me any information on when it is processed or why it is missing. I will include my deposit statements and account opening proof. I will also include the promotion that I meet all activities for. I am very upset with Citi and do not want to bank with them again. It is scummy behavior and there are other forum complaints online of people with the same problem not getting their bonuses. Citi also nearly locked me out of my own account after putting in my first paycheck. It took over a week to get back in and almost resorted to me having to drive a branch in XXXX. This whole experience has been awful and I just want my bonus so I can not bank with XXXX and keep being faced with lies/ignorance. 

Also, Citi has a mobile banking app feature to check your bonus status and promotions. It seems that either Citi app or some employee has switched the active ongoing promotion from my account to a different one that I never signed up for. Images included. 

I no longer have the patience to keep calling Citi. They have 2-3 different numbers for customer support and every call is a 20 minute hold time just to be directed to the other line back and forth. No help or transparency.
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I have been receiving phone calls from Messerli & Kramer PA XXXX XXXX XXXX for a debt from XXXX XXXXXXXX XXXX XXXXXXXX, for {$2000.00}. Reference Number : XXXX. The debt is not my debt. The debt is the result of identity theft. Messerli & Kramer PA XXXXebt Collection Representatives have been harassing me, using profane and abusive language against me, threatening to have me arrested, put in jail and sent to prison for the debt owed, and using threats of XXXX XXXX XXXX for a debt thats not my debt and is the result of identity theft.
Product: Credit reporting or other personal consumer reports

ONEMAIN FINANCIAL ( XXXX ) XX/XX/year> use of my credit which was unauthorized
Product: Student loan

Mohela double reported to the credit bureaus. I submitted a dispute through XXXX XXXX and reached out to mohela on XXXX. I haven't heard anything. I reached out again today and filed a complaint. But this is impacting my credit as it's showing I owe double of what I really owe. And the balance is incorrect on the loan because they've added about {$220.00} in interest. I'm on the XXXX plan and it isn't supposed to be accruing interest right now. Been in forbearance since XXXX. Last payment was XX/XX/year>.
Product: Credit card

I currently have a PayPal account issued by Synchrony Bank and I have in the past disputed incorrect activity on the account. I had several deferred interest purchases that became due on XX/XX/XXXX, XXXX the purchases originated on XX/XX/, and had a 6-month deferral period. the amount in question are the following amounts ( {$1700.00} ) ( {$370.00} ). The problem is the amount of interest charged on the purchases and the recorded balances that changed ( increased ) on the XX/XX/XXXX  closing date. 

I would like a comprehensive review of the charges to remedy the problem with this account. 

Your prompt respon3se will be greatly appreciated.
Product: Checking or savings account

Hello! 

On XX/XX/2020, I had received a payment via XXXX for some online marketing I would do for some friends that I had met online. There were two payments on the same day from " XXXX XXXX '' for {$100.00} and {$100.00} which I have included screenshots of. Two days later on XX/XX/2020, I had received notice that " XXXX XXXX '' had reported these charges to his bank account as fraud in an attempt to get his money back after the online marketing I had offered was already delivered. People often do this in order to get their service/product along with their money back in the online world. Along with this my accounts were restricted and could not be used until the investigation was complete. After days of calling on XX/XX/2020, I was able to get a partial amount of my bank funds with them transferring {$4600.00} to my savings account and closing the account resulting in me receiving a check in the mail later that week. On XX/XX/2020, after days of contacting Capital One and doing my best to work with them and prove my case, the verdict was decided that " XXXX XXXX '' would get his refund for the payments he had sent. This is not the issue, after I was notified of the refund, I was also told that my bank account will indefinitely be frozen and they would not release the funds to me under any circumstance. However, I had exhausted all of my efforts in order to retrieve the rest of my bank funds but was now being told that they couldn't give me anymore information on the situation and that due to " suspicious activity '' they wouldn't be releasing the money. The bank account is still open and I receive bank statements and monthly interest on the money in the account. They had told me that after a certain amount of time if the bank account remains inactive it will be closed and they will be keeping the funds for themselves. This seemed very odd to me and caused me to believe this was not legal nor ethical. There is still {$9200.00} in the account that I would like to recover as it rightfully belongs to me. I do not believe that Capital One has the right to hold all of my money until they will inevitably be able to keep it due to a {$200.00} refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report and noticed errors on my file
Product: Checking or savings account

I am a   XXXX   XXXX   XXXX   XXXX   in  XXXX . I   XXXX   XXXX  , and usually the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     When I deposit a check  at Wells Fargo, the y put a 7 day hold on the deposit, even though federal and state law require escrow accounts from  XXXX  and   XXXX   to be fully funded for any checks they write.     They use my money, for 7 days, and I have no access to it. They are committing a fraud, because if the money is there, is wire transferrable, and they wait 7 days -- it 's immoral, and should be illegal.     It should have to be available in  24 hours. We do n't live in the Middle A ges.     Thanks,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed my XXXX 's XXXX account reporting information with Experian. They continue to state that it remains because the company validated it as correct as a Chargeoff. However I have received multiple communications from XXXX  disputing this stating that they are reporting it correctly as a BK Chapter XXXX Discharged item with 0 lates, etc. If XXXX IS reporting it correctly to Experian, why does Experian continue to not update my report correctly? Everytime XXXX 's 'fixes it ', a month later it 'defers ' back to the WRONG status which costs me points on my credit score for the wrong information as well as the ability to obtain credit from other lenders who see this hit to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors XXXX not furnish any information relating to XXXX XXXX reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

Prohibition : a law or regulation forbidding something
Product: Debt collection

My mother receives repeated calls on a daily basis when the company has not once tried to contact myself or sent any correspondence through email or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX & XXXX is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Bank account or service

Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. 
While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. 
It has now been 24 hours and I still do not have access to my funds and my account remains to be $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - XXXX XXXX/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - XXXX/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XX/XX/XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX
Product: Debt collection

On XX/XX/2021 I received a summons to appear in court for an alleged credit card debt from Midland Credit Management. I was later visited by the city police XX/XX/2021 regarding the original summons I received on XX/XX/2021 from Attorney XXXX XXXX, XXXX. From my understanding of consumer law, according to 15 USC 1692 ( e ) this section is titled false or misleading representation, Midland Credit Management is in violation of my consumer rights and I want to compensated for the damages which I am entitled to according to 15 USC 1692 ( k ). A law firm can not attempt to collect a debt on be half of the creditor. That's illegal because the states that law firms can not act as debt collectors. I sent a certified noticed to Midland Credit Management on XX/XX/2021 demanding them to cease and desist as well as an invoice for the violation. There are other violations that Midland Credit Management has conducted such as 15 USC 1692 ( i ) in which congress makes it clear that bringing legal action by debt collector is unauthorized and 15 USC 1692a ( 6 ) ( A ) ( C ) ( D ) ( 6 ). The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The term does not include - ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt. I will be invoicing Midland Credit Management for the additional violations conducted against me and sending it certified within 5 business days. Additionally, I do not owe this debt because there is no contract stating that this credit was extended to me by this debt collector. I also demand that this be removed from my consumer reports because I did not give permission to report anything on my consumer report ; it is unauthorized.
Product: Credit card or prepaid card

I was charged interest by AmEx on my purchases even though my balance was paid in full. They claim it was a technical error and happened to other customers as well. They say the charges will be reversed, however I have an automatic withdrawal from another account to pay this bill, which means they received payment for the bogus charge. How many other customers did they do that to? How much money do they make by keeping this money for a month before returning it? It was only  XXXX  cents for me, but if they do that to a million customers, that 's a nice monthly profit of {$30000.00}.   The charge was on  XXXX   XXXX ,   XXXX  , and I will apparently receive a reversal on  XXXX   XXXX ,   XXXX  .
Product: Mortgage

In XXXX XXXX XXXX for the third time our mortgage changed to a different company so for XXXX 's payment I called over the phone to make the payment the customer service rep advised me that it wasn't due until XXXX I attempted to pay 3 times and they assured me it wasn't due so I said I am about to spend this money and want to make sure and again I was told it isn't due for another month if calls are recorded as they stated then it will be on recording all of this will be. Well come XXXX they tell me I am behind that there was glitch in system so now I am way behind because I was told they can try to help with the mortgage relief if I am 3 months passed due so me taking their word I let mortgage get 3 months behind and now all I qualify for is the repayment plan which I can NOT afford I feel this was their mess up to begin with how am I being punished when this company isn't doing their job correctly? Not to mention this hurt mine and my wife 's credit HORRIBLY.
Product: Checking or savings account

There was a charge of XXXX on XX/XX/XXXX for XXXX XXXX from the state of WA . I did not authorizing this. I canceled my card and chime declined reimbursing these funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed cfpb case # XXXX transunion sent another letter stating it is verified. they provided the bankruptcy information but AGAIN did NOT provide any proof of how they verified this information. legally it must come off of my report. i will attach my documentation from the that same court which states that they do not share or release information with third parties which would include XXXX XXXX and transunion. They are required to obtain verification directly from the source which would be the court in this case. the last line of the courts response states that they do not provide information to credit reporting agencies. They are not allowed to go by public record alone as there can be errors. I demand written verification from a representative of the court that verified that bankruptcy. My documentation shows that the court will not give that info to the cra, therefore, By law this must be removed.i am publishing the complaint this time so that people can see that what they are doing to people and so they can learn from it.