23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX  this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made XXXX payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows XXXX
Product: Credit reporting or other personal consumer reports

Dear SageStream , LLC Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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

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.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I Was NEVER Late XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Fox Collection Agency located at XXXX XXXX XXXX, XXXX, TN XXXX. States that a Debt from XXXX XXXX and XXXX XXXX XXXX XXXX are owed. I never received any Debt Validation letter FDCPA 809 - 15 - USC- 1692, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Fox Collection Agency as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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: Debt collection

Contacted company and told Ive never resided at address that bill was sent too being that this is a medical bill and they shouldnt have my information, bill collectors was very rude hanging up in my face, I called XXXX and had the address removed
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

XXXX XXXX
Product: Vehicle loan or lease

I separated from my spouse ( primary person on said loan ) in XX/XX/2017. My ex retained all monies from our business we owned together, therefore the judge had court ordered her to pay for both house payments and all vehicles we owned together. This document was put into force in XXXX and did not end until XXXX XXXX. At which time I was out in control of paying the loan off. Line item # 25 of the new document specifies exactly which vehicle I was out in control of paying for. My ex ( primary on acct ) didnt pay the last two months of the loan and when I had the vehicle, I sold it. The reports on late payments should be only on the primary person since it was court ordered that it was not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX
Product: Student loan

There are two separate issues. 

I have recently been granted XXXX and my loans at the time were with Mohela. I was credited with making XXXX out of XXXX payments. I have called multiple times to see how and when I would get a refund for the 2 overpayments. They directed me to call the XXXX, who then stated I had to speak with Mohela. I spoke with Mohela again and was told that I had no credit balance and therefore there would be no refund. I believe that since I made two extra payments, that I am entitled to a refund for those. 

The other issue is that on XX/XX/year> my loans were with XXXX. At the time, my job was not eligible for XXXX so I made an extra payment of {$5200.00}. About a couple years later, my job was now eligible for XXXX. I called XXXX and asked if that {$5200.00} could be used for future monthly payments towards XXXX, which they agreed. The loans were then transferred to Mohela. At no time did Mohela use that money as directed and agreed upon for monthly XXXX payments. I continued to make payments because I wanted to get closer to XXXX without an issue. I spoke with Mohela multiple times to try to have the funds applied correctly with no success. At this point I would like the money to be refunded. The lack of organization and communication from Mohela should not be a reason for the money to be lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since 2017, it is still on the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XXXX my wife and I sustained a credit breach from a Credit Bureau. Consistent with procedure we initiated a credit freeze with Agencies including Experian. Experian issued us passwords to access and turn off and on said freeze. Recently I had need to grant access to our Experian files. None of the passwords worked. Calls and letters to Experian went unanswered or met with non-responsive or inappropriate responses. On XX/XX/XXXX I sent Experian a Certified Letter. This also met with an inappropriate response which indicated that my letter was not even read. 
Experian is allowed to operate to provide a regulated public service, but fails to provide said service in an acceptable manner. As a result, I have been unable to conduct essential business and I have suffered losses. 
All of the above is documented in the Exhibits in ATTACHMENT 1.
Product: Mortgage

We were charged twice for the month of XX/XX/XXXX and told there was nothing they could do except charge us. Weve never been late and always made payments. They now expect us after paying twice to pay the month of XX/XX/XXXX unless we want late fees. Thankfully we have the money but it is shady that we got double charged
Product: Credit card or prepaid card

I called customer service of this credit card company " First Bankcard '' and the person was not explaining well with detail and switched to her manager. 
The manager was not explaining either and treat me as ignorant saying " go file the complaint if you can ''. 
The problem was that they made a minimum interest charge of {$1.00} on XX/XX/20 and I asked it in writing explaining based on which amount. 
Previously I requested a balance transfers of total {$5000.00} and paid total fees of {$80.00} and interest portion of {$4.00}. 
I asked about the charge of {$1.00} ... if was interest portion should be disclosed in the page 2 of 2. ( see attached statement ) But the statement shows that {$1.00} as fee and included in total YTD fees charged. 
I asked again an email or letter explaining well about that charge and they denied it.
Product: Credit card or prepaid card

Hello, Capital one has a business credit card opened under my business ein number and my social security number. The address on this closed account is incorrect and they also have 2 inquiries in my report. I requested for them to provide me a letter of deletion for the 2 inquiries with the wrong address and the closed account so i can show the 3 bureaus. They refused. I have called them multiple times to get this corrected and they have ignored my requests to delete this incorrect information from my credit report. I also contacted XXXX XXXX and XXXX and the only one that deleted the closed account was XXXX. This incorrect information is hurting my credit score. i ask that under the FCRA rights that i have as a consumer they delete the 2 incorrect inquiries and delete the negative history of the closed account.
Product: Checking or savings account

On XX/XX/year> I opened a joint account at Chase Bank with two paychecks from my employer. 2 days later when I tried to set up XXXX, I saw that my account was to be closed. I went to the branch multiple times to attempt to empty my account before closure date. They refused to give me my funds citing fraud activity on a previous account that was closed a year prior. And that they would only release funds with verification from the sender via a direct call from their fraud department. I made my employer aware of this issue and for a period of several weeks he was accepting calls from unknown numbers, but never once heard from the bank. 
XX/XX/year> they empted and closed my accounts and cut me checks for the remaining balance, but never sent these checks saying they needed verification from the check sender before they would release the checks to me. And again that the only accepted for verification is a phone call from their fraud department. 
I brought other paychecks from the same employer to the bank and cashed them with no issue. 
The PDF pay stub is password protected The password is as follows : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letter from XXXX, this is the company experian uses to verify information, XXXX shows bankruptcy is not correct and has been removed on XX/XX/21, experian said they verify information with them and it looks like they did not, because XXXX shows it not listed on XXXX records, i uploaded documents ( letter from XXXX showing this has been removed and date of XX/XX/21 ), to file experian XXXX and XXXX and just uploaded with no file number, still no response or removal of bankruptcy from experian,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX, XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00}
Product: Debt collection

I have called this company and have paid this bill off however before transfering service providers. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.
Product: Credit card or prepaid card

Purchased prepaid PayPal debit card for gift for XXXX  sister for XXXX. 
Card would not activate for her They asked for personal information and social security nos She sent card back to me because it didn't work When I tried to activate they wouldn't activate She is out her XXXX XXXX present I am out my XXXX plus XXXX in registered mail to and from her Paypal refused to fix and XXXX won't give me my money back