23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been charging me interest on my unpaid medical bill and its decreasing my credit score every month. They have not sent me a bill, and I only found out about them because I looked up my credit score. When I called on XX/XX/2020 at XXXX the representative informed me that there is a 10 % interest on my account. I have never agreed/signed any contract regarding the interest and I believe they are violating the Fair Debt Collection Practices Act which states that a collector may only charge interest and fees as they were outlined in the original contract. seeing that it was a medical bill, it never had an interest or fees agreement. The representative told me someone will call me and i also e-mailed them, so far no reply.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized. 

XXXX. XXXX XXXX XXXX XXXX. Flagship Credit
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. 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 XXXXXXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and this is a statement verifying my proper identity. There is incorrect information on my consumer report that continue to appear on my report. Remove all old address information other than what is shown on my identification, and I don't reside at any of the other addresses listed on my report.
Product: Credit card or prepaid card

Upon apply for capital one when I received the offer it said that I would receive rewards, when I applied and got approved after getting the card I realized it was a diff card than I thought I was getting and I called and No rewards for that card. That 's false advertising, I would like my complete debt to be XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I have been working extremely hard to increase my credit score. I received notification that I had XXXX new accounts placed into collections that I was never notified of before hand. I called and spoke with XXXX. I received a copy of the bills that Debt Recovery Solutions had, but not before taking a hit to my credit. I lived with my family in the same house for five years. Never did I receive anything regarding these bills. Then we move to NC for my health and all of a sudden things are hitting my credit from this company without any prior notification. This company is not operating properly under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to TransUnion requesting proof of the public record. The dispute was closed and I received no documentation or communication from them. 

On XX/XX/XXXX I called TransUnion and spoke to XXXX and asked for method of verification they used to determine bankruptcy as accurate and a copy of the information. She said my account just showed verified as accurate with no additional information. I requested the item be removed because FRCA says Im entitled to a method of verification and if they can not provide one, they have to remove the item. I was placed on hold and then told she could not give me any more information. I asked to speak to a manager and was transferred to XXXX and again, asked for the method of verification and she stated it was validated by a transunion professional vendor but would not provide detail. She said I needed to call the Bankruptcy Court and gave me their phone number. 

I believe TransUnion has violated my rights under the Fair credit Reporting Act because I have requested documented proof of how they verified this record on my credit report and they have failed to do so twice via two different methods of communication.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries were taken off my credit report : XXXX, XXXX ( 2 occurrences ), XXXX XXXX XXXX, XXXX/XXXX ( 2 occurrences ), XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, but all the items were put back on credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. This is very serious violation of the FCRA. These items need to be removed off my credit report.
Product: Debt collection

I was out of town for my birthday an sent a request to send the packages to my neighbor while I was away to ensure I got it and XXXX XXXX decided to send it to my home and it never arrived or got misplaced or stolen now they are trying to charge me when I wasnt home to receive it
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/18 I called XXXX XXXX, XXXX XXXX, and capital one. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX said they would close my account might be reopened but I would have to do an automatic XXXX  dollar a month payment, and capital one I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX did close the account but I am still seeing those late payments. capital one did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX  payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.
Product: Debt collection

XX/XX/year> Kickoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Debt Validation Request I am writing to formally dispute the validity of the debt and to request validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

According to 15 U.S. Code 1692g ( a ), I have the right to request a validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed statement of the account, including any fees or interest charges.

4. Documentation that verifies that I am legally obligated to pay this debt.

5. Proof that you are authorized to collect this debt in my state.

Additionally, under 15 U.S. Code 1681, I am requesting that you provide me with the necessary information regarding how this debt is impacting my credit report. Please include details on the reporting agency that provided you with my credit information and the dates of any negative reporting. 

Please send your response to my address listed above within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

CBE Healthcare is reporting 2 new collections on my credit report. I have never received one thing from them nor did I know this existed! I have tried to call them several times since I saw it on credit and its fax numbers and voicemails. I can not reach anyone. 
I contacted the hospital to see and they said nothing has been sent to collections because I have trying to get hardship. 
This is erroneous and by law they are supposed to notify me and give me a chance to dispute it. They are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on credit please remove old address
Product: Checking or savings account

Dear Madam or Sir, I submitted a dispute, then found out it was legitimate. So I notified them to cancel it. Just because I submitted a dispute, they restricted my account where my XXXX XXXX  get direct deposited into. 
They literally have me to where I XXXX XXXX XXXX XXXX XXXX XXXX That's against the federal law XXXX told me. They referred me to you all. 
I asked if my autopays and outstanding checks could still go through, and they said no. I have over XXXX in my accounts, but they say it can take days to take the restriction off. 
I have never in my life had a restriction because I made a dispute. Worst of all, all checks and autopays will be rejected, and both banks will charge me NSF fees. Axos for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX will charge me fees as well, because I wrote checks off axos to put money into the XXXX XXXX XXXX XXXXPlease help me? 

With Utmost Respect, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : ( XXXX, 2022 ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Product: Credit card or prepaid card

I have had a personal American Express Green Card since 1996. My payments are on time and up to date. I currently had a balance due of {$810.00} for XX/XX/XXXX. But without any prior notice or warning, my account was closed on XX/XX/XXXX. I learned of this when I went to my online account. On XX/XX/XXXX, I had a message to call their XXXX number. I called and the representative said it was a mistake " because someone reported fraud. ". the rep said my card was fine. When I checked my online account two days later, my account said 'CLOSED '. I made at least 3 different phone calls. At first, no one could tell me why my account was closed. Then, the rep forwarded me to another department for help. On XX/XX/XXXX, I spent 90 minutes on the phone with many different reps to ascertain what happened and why. I finally got an answer to why was my card cancelled " this was a business decision ''. the rep said I would receive a letter. I received a letter two days later with a very short explanation stating " your card was used for unintended purposes. '' Both my daughter 's and husband 's card was also cancelled. They did not receive any letter. The AMX letter is inaccurate and false accusation. I have NEVER used the card for an unintened purpose. I use the card properly. <P/>I really think this is outrageous that this can be done. I want to know what was the business decision. <P/>thanks so much for your help.
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. 

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  has violated my rights. Or 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 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, credit repair services, or other personal consumer reports

Wells Fargo is not reporting my credit card to the credit bureaus. I have had the card for many months and still they don't show up on XXXX XXXX or XXXX. Card ending in XXXX exp XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 

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 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 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, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
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

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXXXXXX : {$2600.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$1700.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$6300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Checking or savings account

The bank USAA IS not allowing me to give me use of my funds to pay my rent today. They are placing g a review. I asked no e my to speak to a manager they are refusing to help me.
Product: Mortgage

I was never late with a payment. Had some personal issues and my husband and I separated. He was XXXX XX/XX/2015. I requested a loan modification and was sent a repayment plan where I would be paying double the normal payment. I turned it down because if I could n't afford one how could I afford more. During their decision making process they said I did n't have to pay if I could n't, therefore I am now considered delinquent as I 'm 72 days behind, I 've been turned down for HEMAP and I 'm not sure what to do next. Things are back to normal, my husband and I are back together and can make payments, we just need help getting caught up with the back payments.
Product: Credit card or prepaid card

Bank of America, XXXX XXXX Master Card has been falsely/erroneously charging me for a rental car charge made fraudulently in XXXX, XXXX in XX/XX/XXXX. Further, BOA falsely/erroneously repeated the same charge twice without any basis. BOA has admitted that they made an error in charging my card erroneously however they have not resolved the issue to date ( XX/XX/XXXX ). I have been in frequent contact with BOA trying to resolve this issue, both on the phone ( several hours waiting on hold ) and at a local BOA branch. I have submitted a police report to BOA which was issued by the XXXX, XXXX Federal Police, yet BOA has refused to refund the original fraudulent charge of {$440.00} and indeed charged my card a second time for the exact amount ( {$440.00} ) without any basis. BOA credited my card {$440.00} while " investigating '' my claim, but last week charged my card another {$880.00}, stating that " We confirmed statements were mailed to the address you provided for this claim and payments have been made on the account '', with no other clarification. I am frustrated and feel like BOA has stolen money from me and has not complied with their credit card contractual agreement. Lastly, I have not used any of the XXXX miles which I have earned and fear losing them if I get rid of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00}
Product: Vehicle loan or lease

My car was repossed and then was turned over to 2 other 3rd party agents 1.XXXX & XXXX XXXX. Also Well Fargo tried to squeeze money as well!! Please help. Thank you
Product: Debt collection

I originally had a credit card with jay jewelers that was offered at the time or purchase of a engagement ring. I did not proceed with the marriage and or engagement and the ring was returned. I was told this was all clarified and taken care of at the store at the time of return. At the time of return both employees were running credit and trying to figure out how to return the item. They mentioned it was resolved and I was good to go. This was at the Kay jewelers inside the mall at XXXX  XXXX. This was over 10 years ago and now I received a letter about a bank levy from some random company. I dont believe there was ever any legal action and or judgement but these are threats against my accounts. I need this to be addressed and this company needs to know they cant harass people for debt that doesnt belong.
Product: Credit card or prepaid card

XX/XX/2021 - XXXX  sent me an alert that a credit limit check was submitted against my SSN by TD XXXX XXXX XXXX ( XXXX ). 
XX/XX/2021 - XXXX  then sent me an alert that a credit card with a credit limit of {$10000.00} was established ( Retail establishment is XXXX  & XXXX  ). 
XX/XX/2021 - I contacted XXXX  and let them know that I did not open a new credit card XX/XX/2021 - XXXX  advised me to get a Police report ( which I did ) XX/XX/2021 - I contacted XXXX  and they were able to bring up the fraudulent account and asked me a number of questions. The home address I have did not match what they have on file. Obviously they did not tell me the address on file, but they did freeze the account in their system so that it could not be used. Currently there were no charges to the account. 
XX/XX/2021 - I sent the Police Report to XXXX  so that they could remove the credit inquiry and card from my records. ( they advised me to reach out to you with the same information )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
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 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