23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a surprise medical bill from a collection agency on behalf of a health care provider group in XX/XX/XXXX for an XXXX visit for my son in XXXX, XXXX. We had full medical coverage at the time and the hospital we went to was in network however the group providing care that day in the XXXX  was out of network. We were not informed of that at the time. Our health care provider paid the group the plan allowance amount. However years later we get this surprise bill in excess if {$1000.00}. The collection agency/law firm has also put this on my credit report now. I am disputing this charge which is excessive for the service they provided in the XXXX  in XXXX. I will also inform the credit agency about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Credit card

I was a victim of credit card fraud. In XX/XX/year>, while I was traveling to XXXX, XXXX, my Bank of America credit card was stolen and used for various purchases. When I realized my card was missing/stolen, I contacted Bank of America and filed a dispute ( dispute number : XXXX in the amount of {$2800.00} ). My card was missing on an XXXX travel, and Bank of America told me they would take care of the fraudulent charges, and resolve the dispute. Initially, they credited me back the disputed fraudulent charges, but after a few months, I saw that the claim was rejected. When I saw that, I contacted the Bank of America claim department again, on XX/XX/year>, and asked for an explanation. I was shocked that they did not do their due diligence, and I requested that the funds be credited back to my account since this was a fraudulent charge. 
I demanded a proper investigation and explanation, and credit to my account for the fraudulent charges. The representative said they would get back to me, and up till now, I have had no resolution and explanation, while my funds were stolen. 
I am kindly requesting your help in solving this issue. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 TRANSUNION : 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: Checking or savings account

I recently opened a Wells Fargo account and went to go link my bank account number to transfer funds. I realized that they had two bank accounts linked that arent mind. I did notice the credit union is of the linked accounts is one I used to bank at but no longer do. I dont understand how those are linked
Product: Credit reporting or other personal consumer reports

The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Product: Debt collection

In XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX in order to pay for any outstanding debt owed on my part as I was pregnant as of XXXX of XXXX and would n't be able to pay any debts thereafter. I would n't be able to pay anything once I gave birth because my employer was a small law firm that offered no XXXX Leave or XXXX XXXX XXXX, therefore, once it was time to give birth and recover I would essentially become unemployed. It is now XXXX/XXXX/XXXX and I am in fact unemployed due to complications with my delivery that required a lengthy recuperative period. To my surprise, I have received a bill from a collection agency for {$4100.00} that is apparently owed to XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete, and she confirmed that they were, I do not have over {$4000.00} to give to anyone. I should have known something like this would happen, during the transaction it was apparent that they neither cared about my XXXX or dilemma even though I was trying to do the right thing. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under XXXX law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the XXXX XXXX Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt. Their subsidiary is equally ruthless, the collection letters make no mention of my right to dispute the outstanding debt. I feel that I am being mistreated by this XXXX provider and collection company based on my age and XXXX and existing XXXX disorder, I often have to visit the XXXX facility because I have an illness that they apparently are n't skilled enough to remedy ... it appears that these companies are more concerned with cashing in on my XXXX than trying to help a member of its community that is truly in need.
Product: Debt collection

XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
Product: Money transfer, virtual currency, or money service

I had three unauthorized transactions with Venmo for a total of {$110.00}. they were without a doubt, not mine. I disputed the transactions and they denied the claims. I spoke with an Venmo agent on a online chat and they said there was nothing else they could do.
Product: Debt collection

Smith roush and associates. 
Acct #? 
Date opened XX/XX/20 Dont know what doctor this was, or what i was seen for? If you can tell me what i was seen for, to verify this bill. That would be great. Otherwise it needs to be deleted. I didnt sign no paperwork with this Smith Roush company. 
Verify and validate
Product: Debt collection

For the past two years, I have had a fraud alert placed on my credit report due to multiple credit inquiries and accounts opened up in my name. I have disputed this account multiple times and it always comes back that it meets FCRA requirements. 

I did not sign any documents agreeing to a XXXX XXXX XXXX Credit Card, which is the original creditor.
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 Number : XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : STATE OF MI OFFICE CHI Account Number : 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 or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX 3 ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, US Bankruptcy Court , XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.
Product: Mortgage

I was told by a Mr. Cooper representative ( XXXX ) that came to my residence that an in person meeting could be arranged and would be requested. A month later Mr. Cooper had not reached out to me regarding a meeting or the issues I raised and they put the mortgage into a wrongful default causing me unnecessary expenses, fees, and grief. 

I first contacted Mr. Cooper in regards to errors in their notices and amounts in arrears in XXXX. I requested an updated statement reflecting an accurate balance and current account be sent to my attorneys and the trustee. This did not happen. I went through all payments and made additional payments and the Mr. Cooper Agent on the telephone assured me that no payment on the account was due until XX/XX/XXXX. Mr. Cooper contradicted themselves and sent me notices months after for payment due XX/XX/XXXX. It is impossible to get accurate and timely info from them.
Product: Bank account or service

My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Equifax will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I contacted XXXX XXXX XXXX to start the process of refinancing my primary and home equity line of credit. I was informed that there were NO real estate loans reflected on my three credit bureau reports. I have had the primary loan since XX/XX/XXXX and the LOC since approximately XX/XX/XXXX. 
The original mortgage was taken out through XXXX XXXX  XXXX XXXX, VA. In XXXX, XXXX XXXX XXXX acquired or merged XXXX XXXX. Both loans were reported under the XXXX name after the merger. On XX/XX/XXXX Union Bank and Trust of VA  bought XXXX and acquired XXXX 's loan portfolio. 
I contacted my bank 's branch manager and the bank 's customer service department, Both contacts responded that their loan department had " legally '' determined they were withholding credit information for due deligence for a period of sixty days, and I could expect the reporting to resume at the end of XXXX. My Branch Manager twisted someone's arm and supposidly was able to have the bank manually forward my credit history with them in XX/XX/XXXX It would take 72 hours for the data to be uploaded. 
On XX/XX/XXXX I checked XXXX XXXX. XXXX  still did not reflect my real estate loans. XXXX  did reflect one ( 1 ) real estate one, with most recent activity being XXXX, XXXX. Today, XX/XX/XXXX neither XXXX nor XXXX  reflect any real estate loans on my credit file. 
On XX/XX/XXXX {$30.00} was removed from my checking account via on-line banking. That payment went to an incorrect account. The customer service folks were informed of the lost payment on XX/XX/XXXX, after I had received a phone call from the vendor. To date I still do not have my funds back. 
I have treid to speak with a bank officer, but have been told that information is not available to customers. 
I want to be able to get my mortgages and my checking account out of this bank " Union Bank and Trust of Va '' as soon as possible- but they are holding my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

1. **Unauthorized Inquiries ( FCRA ) : ** Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

3. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

5. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan online with Mobiloans.com after receiving a pre approval in the mail. The interest rates they provided to me were way less than the fees being charged now. The online site sends you to a portal showing payment plans involving 12 payments of $ XXXX   monthly to pay off a loan of {$1500.00}. I made sure I read this thoroughly understanding Id be paying {$300.00} in interest ( repaying a total of {$1800.00} ) now they are trying to withdraw {$150.00} weekly. I spoke to a representative that informed me I only had 11 weeks of making {$150.00} payment and the loan would be payed off. THIS IS NOT TRUE they have collected {$180.00} so far on a loan I took out approximately XX/XX/2019 and only {$30.00} has gone to the principal. This is a preditorial loan and would like to see what options I have. After researching their site ( not being able to find the previous portal stating I would only pay {$300.00} in interest fees ) their loans average at a 200 % + interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Credit Card Account # 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 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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