23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i checked my credit report and noticed i had inquiries that i didnt make or authorize 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 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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This office has been incorrectly billing me for services beginning XX/XX/XXXX. They have billed me for doctors I havent seen when I requested to have follow up visits with the doctor who performed my XXXX. They have gone from billing neither insurance to billing only XXXX, INSTEAD OF IN ORDER OF PRIMARY THEN SECONDARY, which has caused for claims to be denied, leaving me with a lawsuit for over {$16000.00}. XXXX XXXX has reached out, as recently as XX/XX/XXXX with a voicemail being left, to them to inquire about their billing practices. 

Also, the condition that this medical debt stems from has been determined to be directly related to a pending medical malpractice lawsuit I have against XXXX XXXX. 

Regardless, the billing practices of this office are inconsistent and questionable all while neither physician, XXXX and XXXX, want to address my post operative concerns, pain, and complications I have made them aware of since XX/XX/XXXX. I requested XXXX XXXX for my post-op follow up visits but when I arrived at the appointments, I was met with XXXX XXXX who spent less than XXXX minutes with me, ignoring my pain and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$630.00} XXXX  XXXX    XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX  XXXX-XXXX {$140.00} XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX  XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

've been paying Experian a monthly fee for their credit protection service, " Identity Works Premium. '' Experian stated they would provide access to a dedicated fraud resolution specialist in the event of ID fraud/the. However this same company, Experian, has now reposted to my credit bureau report the same fraudulent information that they have previously deleted SEVEN ( 7 ) times a er identifying it as fraudulent. I have attempted to reach the fraud resolution specialist that that I'm paying for numerous times over the past many weeks but the extension number they gave me is for an unnamed, unattended voice-mail and none of my calls have been returned. This is the second fraudulent debt collection that has posted since XXXX and I have now started receiving calls without a message being XXXX from a number identified as another debt collector that they previously deleted. Experian is taking money for protection from a crime they are actually committing by continuing to repost debt previously identified as fraudulent and deleted. This practice is also harassing. I have also filed reports with the NV Attorney General and the FTC
Product: Credit card

To Whom It May Concern : I am writing to you today as a customer of Citi Bank since 2007. In this period I have never, once, updated my card agreement with Citi and have always paid in accordance with the agreement ; however, in the last year or so Citi Bank has been applying an APR to my account of 29.24 % which is not congruent with the card agreement we have in place. 

The maximum rate justified under the terms of our agreement, as adjusted by the applicable index, is 11.74 %. 

Citi Bank should not be able to unilaterally increase a rate beyond the contours of the contract, especially not by 249 %. 

Please investigate Citi 's non-conformance with their contractual obligations, and redress. 

Best, XXXX XXXX
Product: Checking or savings account

Bank of America limits withdrawals and transfers from saving accounts saying only a certain number of transfers are allowed each statement period, and does not allow the customer to manage or use funds in their savings account when needed without risk of losing that savings account. 

It is not BofAs job to tell customers how and when they move, withdraw or transfer money and if Bof A is going to offer savings accounts to customers they need to stop putting limits on how much is deposited or withdrawn as it is none of their business how or when customers use their own money. 

Their policies in this matter are not offering solutions for customers only creating more expense and problems. 

Banks hold money, they have no right to tell people how and when to use their own funds
Product: Debt collection

Called Jefferson capital systems because a debt showed up from them on my credit report. I called to negotiate a payment but they told me they had no open account for me. When I disputed the debt, they sent the credit reporting agencies documents showing the debt was valid even though they currently hold no debt for me. They are fully aware of the fraud and do not care to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am and have been an XXXX customer for more than 17 years. Last Monday, I called to ADD a new service at a 2nd address and was told I was not required to pay a deposit. On Tuesday I received an email saying I needed to call about my order. I called and was told because of my low credit score I had to pay {$50.00}. I have a credit score over XXXX and told her that was ludicrous but did n't have time to argue and paid the {$50.00}. On Friday I arrived at the property expecting a modem for the wireless service I ordered on Monday. Not only did I not have the equipment but I had a letter stating that I had a credit score of XXXX according to SageStream LLC. I paid XXXX for my credit score and its over XXXX. Clearly SageStream is illegally reporting credit scores and also violating federal law by not giving me a REASON for such score. 

I have called XXXX and SageStream with zero luck getting anywhere. 

SageStream told me they gave me a XXXX based on data from the last 3 years. I have not opened any new credit accounts in the last 3 years. I have ZERO debt except an XXXX XXXX XXXX that I 'm paying the balance in full each month. 

SageStream refuses to give XXXX any reason for this low score and its causing a lot of issues for me. 

I 've filed a complaint with the Georgia Public Commission because XXXX refuses to help me resolve this and I 've filing this report today because SageStream is falsely reporting a credit score that is not accurate
Product: Debt collection

Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn this matter over to an attorney.
Product: Debt collection

I sent the request to the company. 
The company responded back and said it will be removed. 
Company : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new complaint. Experian will not remove XXXX from my credit report. It is over 7 years now and should b removed.
Product: Credit reporting

I properly disputed an invalid obsolete account three times and the account is over 7 years old and Equifax refused to properly investigate or delete. Please see attached.
Product: Debt collection

ProCollect has created a new collection account for an account that was paid in full. 

The facts are as follows : 1. ProCollect collected money from me, {$70.00} [ {$63.00} plus a {$7.00} collection fee ) ( see attached ), for a debt that had been paid ( proof of payment attached ). 
2. On XX/XX/2023 ProCollect apologized for any " misunderstanding '' and issued a promise to delete the letter ( see attached ). 
3. On XX/XX/2023 ProCollect reported that I owed {$500.00} to a company named XXXX. ProCollect never sent any correspondence attempting to collect a debt from this creditor. The first knowledge I had of the debt was an alert that I had a new collection on my credit report. 
4. XXXX ( aka XXXX XXXX XXXX XXXX ) is a security deposit alternative in which property management companies enroll their tenants. 
5. I have never done business directly with any company named XXXX XXXX. 
6. I paid all balances upon moving out of XXXX XXXX ( the apartment community ). 
7. ProCollect had two accounts : one for {$63.00} ( XXXX XXXX as the original creditor ) and the other for {$500.00} ( XXXX as the original creditor ). 
8. I reiterate : I paid XXXX XXXX {$560.00} at move-out. 

Questions : I am not understanding why I would owe XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) when I paid all of the charges to XXXX XXXX ( the apartment community ). Why is XXXX charging me {$500.00} when I paid XXXX XXXX an extra {$500.00}? What is the {$500.00} for? Did XXXX pay XXXX XXXX {$500.00} on my behalf? If so, did XXXX XXXX ever send the {$500.00} payment I remitted to them to XXXX ( XXXX XXXX, XXXX )? Did XXXX XXXX get paid twice for the same charge? 

It appears as if XXXX may have paid XXXX XXXX {$500.00} and then tried to get the money back from me when in fact, XXXX XXXX had already been paid in full thus no reason for XXXX ( XXXX XXXX XXXX XXXX ) to have paid anything to XXXX XXXX on my behalf as a tenant. 

Lastly, notice the date toward the right of the close-out report. This account was satisfied in a reasonable length of time before it was handed over to collections in XXXX of 2023, as learned from the last CFPB complaint I made a few weeks back.
Product: Debt collection

I never received anything by mail from the collector, XXXX XXXX XXXX. The last time I was seen by XXXX XXXX XXXX XXXX was for a XXXX XXXX XXXX  XXXX. The XXXXr did it on the wrong side of my XXXX. I was told by an administrator that I would not be charged. To the best of my knowledge, that is exactly what they say I owe for. I believe my debt to them was paid off by XXXX, for charges prior to that XXXX. I was not sent an itemized bill that included payments I had made or the new charges. I had no idea this collection agency was trying to collect anything from me until I saw it on XXXX XXXX in XXXX or XXXX. 
I tried to dispute it on that app but never saw any results. I dont believe I owe money to this collector or clinic. I should have sued after the XXXX XXXX XXXX XXXX but couldnt really afford the legal fees. They obviously knew I could have sued or they would not have quickly said I would not be charged for that day. I had even already paid a copy of {$50.00} when I checked in which was not returned. 
If I do owe them money, I need to see an itemized statement with both charges and payments. They have never sent one!
Product: Credit reporting or other personal consumer reports

I had fraudulent loans put into my name that damaged my credit. Equifax said that I had to sign over 50 % of my patents to Equifax in order for them to fix my credit and said they only care about big companies as I am a peasant.

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some lead love.
Product: Debt collection

This collection agency USCB company is attempting to collect a debt that I do NOT owe in the state of XXXX and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of XXXX a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report.
Product: Checking or savings account

On XX/XX/year>, XXXX CT, I attempted to draw {$500.00} in cash from an ATM using my Charles Schwab debit card. 
I used the southern most ATM ( the drive through furthest from the facility ) at the XXXX location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and chose to receive the {$500.00} in {$100.00} bills. 
The ATM dispensed 4 {$100.00} bills for a total of {$400.00}. 
After I removed the cash, the ATM continued to make noises and remain open as if it were trying to dispense more money. This went on for about 20 seconds. There are cameras all around that may be able to show this footage in more detail. As far as I know, the bank has not considered the video footage but instead relied on an ATM log to investigate the case. 
The XXXX branch is unable to resolve my issue as when I call them, they can not help me since I do not have a XXXX checking account ( even though they operate the ATM ). 
My bank, Charles Schwab, investigated and sent me the files that I attached to this complaint. They stated that " the corresponding bank or the ATM operator has confirmed that funds were dispensed as requested and the ATM balanced ''. Again, this seems to be solely based on an ATM log. Also, the ATM log not catching this mistake is highly concerning.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$6000.00} WITH XXXX, XXXX, & XXXX  CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors XXXX XXXX XXXX XXXXXXXX and Midland Credit management XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from XXXX XXXX XXXX and {$520.00} from midland credit management XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPILANCE regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email from Experian to log into my account as a vehicle had been added to my account. 
Upon login in, I was asked to confirm vehicle details for two vehicles I had never owned. 

I contacted customer service via phone to understand what was happening as I feared my info might have been compromised. I was informed Experian was offering a service that linked vehicles to Experian Accounts. 

The agent could not explain why the vehicles were linked to my account, so the issue escalated. 

I received an email on XX/XX/XXXX explaining the same things I had already been told and that their system sometime is not 100 % accurate. 
Since I had recently moved, I inquired about which address their system had used to link those vehicles to my account. To this day, my emails ( four ) have been left unanswered and I still don't know how my information are used and stored.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I mark as inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

I have been receiving phone calls on my job and company phonne for the past 3 weeks starting XX/XX/XXXXfrom a debt collector called CBE Group that states I owe a XXXX XXXX Bill from XX/XX/XXXX in the amount of XXXX. I have asked them to send me a written notice of the bill but have not heard anything back on this. I had also signed up with XXXX XXXX for my present cell phone service over a year ago and I feel that if there had been an outstanding debt, it would have been brought to my attention then. Due to my working, my wife called the company to ask them about the bill and to let them know that there was no debt on record to pay and the customer service rep informed her that I am, in fact, responsible for the debt and that if I do not pay it, it will go on my credit report. He continued to argue with my wife until she finally told him that she was going to report his company to the FTC, State Attorney and consumer finance. He said that's fine but I would still have to pay this debt or it would be put on my credit report. My wife also called XXXX to see if I did have an old account that was not paid and after running my SS number, they said no and even confirmed that if I did, I would not have been able to get my present service until any past due debts were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I disputed inquiries on my Experian credit file that were on there without a permissible purpose with Experian via Certified U.S. mail and received a Return Receipt. See enclosed. Experian only addressed and deleted two ( 2 ) inquiries, but failed to delete the eight ( 8 ) inquiries illustrated in my correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. Please delete the following items from my credit report immediately XXXX XXXX Date opened XX/XX/year> XXXX {$10000.00} Status Voluntarily surrendered. {$10000.00} past due as of XX/XX/year>. 
These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Student loan

I completed a XXXX XXXX XXXX verified my income and received an XXXX  repayment option for XXXX, however loan servicer MOHELA has not processed my XXXX according to the XXXX XXXX XXXX and when I call they are attempting to charge me more than the XXXX. I called and was told XXXX business days, I waited XXXX days called back, told nothing was processed. Talk with a supervisor and told it would be XXXX business days I called back XXXX days later and placed on hold numerous times, none of the agents can assist you just get transferred multiple times to various departments each time you call. I checked my online account, no updates, no completed XXXX statement. I need the correct student loan amount as MOHELA appears to be overcharging me and are delaying my XXXX. I advised MOHELA this is time sensitive as I need a loan verification letter for my mortgage application and I have been waiting for over a month for this to be resolved.