23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I went to my primary dentist  office to have XXXX  fixed and prepped for a XXXX  as I had for the two other prior XXXX  that I have. I had dental insurance at the time. I paid my portion of {$320.00} at that time. When it was time to seat my XXXX, the dentist wouldn't do it unless I paid another {$320.00}. My insurance would not pay unless the work was completed ( the crown had to be seated and x-rays taken to prove it and sent to my insurance company before they would pay the balance ). I reported them to my dental insurance ( XXXX  at the time ) as I felt that they were " double-dipping '', but instead, I received a letter stating that " not more than 50 % of the XXXX was XXXX ''. 

The discrepancy has since been turned over to a Debt Collection called Capital Accounts LLC. I have tried disputing it twice through the credit agencies, but they always respond with " meets FCRA requirements ''. When I opened the first dispute, the credit agency said that I would hear back from them in 30 days. It took over 8 months. 

I finally contacted Capital Accounts via phone on XX/XX/XXXX at XXXX CST. We had an 8 minute and 28 second conversation. I requested that they send me a copy of the original bill and proof that I owed the debt. I never received a letter from them. I've had their collectors call me and I explained the situation and their creditors actually hung up on ME! 

I have since found a new dentist and still have to get this tooth fixed before it causes me more problems. My new treatment plan shows that a XXXX  is needed for that tooth still and my new dentist has given me a letter stating that the tooth in question does not have a XXXX  and that a XXXX XXXX is needed for definitive restoration. 

The {$320.00} that I have already paid to XXXX XXXX XXXX XXXX covers the tooth build-up that they did twice over but I do not owe the rest of the debt since they would not complete the work. Their billing shows that they turned over {$710.00} to collections, but my credit report shows that I owe {$880.00}. 

Please help. I just want this off my credit reports so that I can move on with my life.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a {$50.00} Visa Debit Gift card from the XXXX  store on XXXX XXXX XXXX XXXX XXXX. My intention for this purchase was to order a few items online that I could not find in a few of the stores. 
I went to XXXX XXXX  on the same day I purchased this gift card. Once I got into the store I found the items that I had wanted to purchase online as well as a few additional items. 
My total purchase came to {$100.00} and I told the cashier that I wanted to use my {$50.00} gift card to go toward the bill, this would have left me with a {$55.00} balance to pay from my checking account. 
The cashier instructed me to swipe the gift card which I did several times but the card kept being declined. I explained to the cashier that I had activated the card backing the number listed in the back of it. So the cashier attempted to type the card number into her register and again it declined. 
The line was getting longer and longer with customers. I paid the full balance of {$100.00} from my checking account. 
When I returned to my vehicle I called the number on the card and spoke with a representative and explained to her that I could not use my activated card in XXXX. 
She asked me for my account number on the card, I read it to her and she stated I see it as being activated, but the reason why the card kept declining was because your purchase was over your {$50.00} gift card amount. 
I explained to her that I thought the card would have subtracted the {$50.00} off the amount leaving me {$55.00} to pay in another fashion. 
I further expressed my concern to the representative that the little disclosure that came behind the card did not indicate that a customer could not use the card in this fashion. 
I asked to speak with a supervisor. 
A male supervisor came on the line and I explained to him what had just happened at XXXX and how embarrassing, and mislead I felt about my purchase of visa gift card, and that it would be nice if the company could add to the disclosures that you are not allowed to split payments up on purchases that are over the amount of the gift card in hand. 

I asked him if he could file a complaint on his end for me. The supervisor hung up on me.
Product: Debt collection

XX/XX/XXXX - Received phone call from NCC Business that I owed an outstanding balance on an account upon moving out of apartment complex  XX/XX/XXXX - I stated that the balance was indeed paid however there was an incorrect fee of {$100.00} charged from the apartment complex. When asked for clarity, the collection agency stated that the apartment complex records showed that I did not have renters insurance and therefore charged me a fee of {$100.00} for not being compliant.
 XX/XX/XXXX - After several conversations with NCC Business , I submitted via email a copy of my insurance agreement that showed that I was in compliance while residing at the complex to   XXXX   XXXX   of NCC business. I never heard back from NCC and when I pulled my credit report in  XX/XX/XXXX , I noticed that this item was listed.
 XX/XX/XXXX  I submitted a dispute via a  XXXX  &  XXXX  and it was not removed.
 XX/XX/XXXX  I submitted a letter disputing this item on my credit report and received a letter from  XXXX  of the credit bureaus that this is a verified item on my credit report. I submitted the email and attachments indicating that this item needs to be remove but no such luck
Product: Mortgage

working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction. 
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself. 
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.
Product: Credit reporting

disputed incorrect reporting of XXXX XXXX ( acct # XXXX ). account is only showing history to XX/XX/XXXX account has been owned by XXXX at the earliest date of XXXX XXXX. I obtained an emergency loan from pa home finance agency, in XXXX XXXX, for over XXXX dollars. XXXX corrected my credit report at that point in time to reflect as paid never late. after XX/XX/XXXX, account became deliquent. forclosure proceedings were commenced, and i decided on a short sale, which ended in XXXX, XXXX account was scheduled for sheriffs sale on more than one occasion but postponed on more than one occasion. afterwards, i requested a copy of my billing statements, due to the fact my payment ( s ) due, were incorrect. XXXX did not comply, and left the mistake on report as-is. also, i requested from XXXX, an itimized billing history for the life of the account. i received, instead, a spreadsheet of payments. this raised new questions, as i received a loan, from the commonwealth of pennsylvania, and the account was overpaid dramitacially. XXXX has failed on numerous occasions to provide me with requested documentation. i have brought this matter to experian 's attention on more than one occasion, over the past couple of years. i receive the response from experian the matter is frivilious. i recently brought the matter in regards to experian, to your attention. I received an email the issue was " updated '' in a matter of a couple of days after my complaint to you in regards to this matter. i am perplexed to the speedy manner of experians inquiry to XXXX. according to prior and the current experian reports, i have noticed " no change '' to my experian report. the forclosure proceedings, as well as the payment due, and the payment history, are all inaccurate. i have previously contacted both XXXX and experian in regards to this matter. both appear to " excuse away '' this serious matter
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX in XXXX, XXXX in XXXX. They are a buy here, pay here company that has in-house financing. I made payments just fine, everything is going good for several years. In XX/XX/XXXX, I receive an email informing me that my loan had been sold to Westlake Financial and I will now be making payments through them, cool. I made the account, informed them that I had just joined XXXX XXXX XXXX and would like my interest rates dropped according to the XXXX. Well, that email was completely ignored. Fast forward to XXXX of XXXX, I am struggling a little to make my payments on time due to the XXXX not paying me right for around 6 months, so I was getting behind on some things. It was at this time that I requested my interest rate/payments get lowered ( refinancing my loan ) so I can afford it. They said they would get back to me while they verify all of the information. In XX/XX/XXXX, they finally get back to me with some options. I selected Option B ( as seen in attached file dated XX/XX/XXXX ) which states : " Interest Rate Benefit applied to reduce or cover monthly payments {$1000.00}. Your adjusted APR is 6.00 %. Effective : XX/XX/XXXX. Your next monthly payment amount is {$14.00} and is due on XX/XX/XXXX. Your adjusted currently monthly payment amount is {$190.00} and will begin with your payment that is due on XX/XX/XXXX. '' Cool, awesome. Monthly payments cut in half, interest rate dropped to 6 %, I am all about it. I have the payments on autopay, that first {$14.00} gets taken out smoothly and I'm not worried about anything. Due to negligence on my part, I never checked the app or my bank account for several months to verify that everything was as it should have been. I try to log on to the app in XXXX to see what my payoff is on the vehicle and it tells me my account is past due and that I needed to give them a call. I called to figure out what was going on, they told me that the monthly charges of {$380.00} weren't going through. As you can see, this is quite a shocker to me. They also said I didn't have autopay set up at all which I found to be alarming. I spoke on the phone with customer service for over an hour, fought with them, and eventually got back in contact with XXXX ( Director of Compliance for Westlake ). They informed me that the original agreement never should have said monthly, it should have said bi-monthly, and now I owed back around {$1500.00} because of this. I told them no repeatedly and that they need to fix this. I agreed on specific terms. They did not honor those specific terms, made me fraudulent, and now probably are getting ready to repossess my vehicle and/or send the loan to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Even before this late payment was reported I made an arrangement to pay XXXX XXXX the minimum due before the 30 days. The payment was taken on XX/XX/2023 the wrong date it was suppose to and the payment ended up getting reversed from my bank since my work check wasn't cleared yet. Even with this knowledge XXXX XXXX still violated my rights with this late fee report without giving me no heads up at all.
Product: Debt collection

The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : DISCOVERBAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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: Debt collection

I canceled my XXXX XXXX Policy on XX/XX/XXXX and started my XXXX XXXX Policy on XX/XX/XXXX. XXXX XXXX did not cancel my policy and sent a final bill due to a collection company.. I spoke to the collection company and explained to them that the policy was cancelled and provided the collection company my declaration page showing credible coverage. They stated that this was going to be reported to all 3 credit bureaus and that I need to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the only Bureau to fix this, XXXX and Equifax are unable to. I had a XXXX account from XXXX to XXXX, this was closed due to divorce and foreclosure. Since XXXX my debt has been sold twice and re-aged both times. The Current holder is XXXX  XXXX  XXXX located in XXXX XXXX, PA. They have my account listed as OPENED in XXXX of XXXX. This is an illegal reporting under FCRA but with all of my complaints XXXX said its accurate and the Bureaus ( with the exception of XXXX ) has accepted this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

IC SYSTEM ( 11 XXXX XXXX  XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

For manny years I have the problem with my debt to not repor properly to the agency in this case my credit report of Equifax are incompleted and not included many account that action affect my credit history and credit profile. 
I need resolve this manner as soon as posible. The following debtor to not report to a Equifax are : XXXX XXXXXXXX XXXX ( mortgage ), XXXXXXXX XXXXXXXX XXXX ( Auto loan and Personal loan ), XXXX ( credit card ), XXXX XXXX ( credit card )., XXXX XXXX ( credit card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a late payment in XX/XX/2019 on the XXXX/XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Product: Credit card

XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is " we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was.