23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a veteran who received prior authorization to go to the XXXX XXXX XXXX on XX/XX/XXXX since I had just had a XXXX and was having further symptoms. I never received a bill from anyone other than the ambulance service in all this time and that is the only reason I knew the VA had not paid yet. The VA informed me that the hospital had not sent them a bill and the only bill they had was the ambulance bill. I had a very hard time getting the hospital to cooperate even though I had given them all the information they needed to bill the VA upon arriving on XX/XX/XXXX. The VA finally received the bill and paid them. On XX/XX/XXXX, I received a notification from XXXX XXXX that a company had reported an account. The original company is XXXXXXXX XXXX   XXXX XXXX but the collection agency listed themselves as I contacted the VA again about this. He and I called the collection agency together and I noticed I was never given the mini Miranda at any point when speaking to this individual. The VA representative informed the collection agency rep, XXXXXXXX XXXX, that it was illegal to double bill the veteran after the VA had paid. XXXXXXXX XXXX lied and said they were collecting on behalf of the hospital. XXXX XXXX went on to say that they would not take it off my credit unless told to by the hospital even though no one ever contacted me about this and I was not worried about it because the VA was paying all the bills. XXXXXXXX XXXX would not listen to either one of us, and when I asked for the phone number to the original creditor, he stated he didn't know it. I then asked to speak to his manager after he was arguing with me in an immature manner, ( I have the call recorded ), and he placed someone on the phone who just repeated himself over and over while refusing to tell me his name. He ultimately hung up on both of us. The VA rep could not understand why this collection agency refused to listen to him and did not know where to go from there. 

XXXXXXXX XXXX  XXXX bills for imaging and is not considered part of the hospital. I verified this after speaking to the billing department at the hospital. XXXXXXXX XXXX  XXXX never once mailed me a letter or called me and the collection agency never sent me a letter or called before placing this on my credit. The VA can not get through to this collection agency as they will not listen and say they are not breaking any laws. The collection agency also stated to the VA that a portion has been paid but they want the full amount. This individual does not understand how government payments work and that I am being double billed. If I am not mistaken, by federal law, they are supposed to be giving the mini Miranda as well. This is not how to collect money.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS is communicating a debt without my consent, expressed permission from a court of competent jurisdiction, or verification pursuant to 15 USC 1692g. See Attached.
Product: Credit card

I have been a long standing customer of JP Morgan Chase Bank Credit Cards. I was XXXX XXXX military for many years, as well as married to an XXXX XXXX military member. I obtained the credit card with a special military interest rate. 

Over the years, our family has trusted chase bank credit cards to get us through hard times. Now out of the military and no longer XXXX XXXX but still a veteran, I got a notice from Chase credit that my interest rate would be increasing 18 % and all previous charges on the credit card would be subject to the 18 % interest increase. 

Because of this, I can literally no longer put food on the table. It ; s an extra {$350.00} a month to keep the card in good standing. I have called them more times than I can count and begged for help, I'm okay with the interest increase, just why am I getting charged the increase every month, on purchases I made for my family WHILE I WAS ACTIVE DUTY.

This is so wrong! Driving my family into bankruptcy. PLEASE HELP! I've paid thousands of dollars extra this year because of this and I sometimes and late on utility bills now or can't feed the family, just so my credit company doesn't send me to creditors. 

I've served this country for a decade and this is just a slap in the face!!!! PLEASE HELP, and help me get back the money that they've taken over the last 6 months from me from this. It's so WRONG! Illegal even, I think ....
Product: Debt collection

I am writing this complaint to resolve the issue of my funds being garnished and taken out of my account without my authorization. Money has been taken out of my account on XXXX separate occasions. The first was for {$1500.00} and the second one was for another {$1500.00} totaling in {$3000.00} being taken from my account. I called the debt collector XXXX XXXX in XXXX and let them know I was a victim of identity theft and that my information was used in taking out multiple loans through out the USA. I informed them I have a police report filed and filed a complaint with the ftc as well. Also, I advised there is a current freeze on all XXXX  of my credit reporting files due to this identity theft. When I spoke with them on the phone they were uninterested in helping me resolve this issue and their sole concern was how to collect the debt. They never asked me to send any of the records XXXX showing where it was due to identity theft. I was never provided any verification of the debt which breaks the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a request for my consumer credit report AND file via certified mail with a return signature slip XX/XX/2022. Equifax sent me a notice via mail dated XX/XX/2022 without the signature return slip, which I expected back. Equifax refuses to provide me with my consumer credit report, by way of another stall tactic. Equifax continues to violate my federally protected rights.
Product: Debt collection

Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/2023 ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!
Product: Bank account or service

This is my second complaint for Capital One 360. This is a different issue. A check written to me ( # XXXX ) for the amount of {$730.00} was reversed out of my checking account on XXXX/XXXX/16. After talking to Capital One 360 they said it was redeposited by a XXXX customer. ( as my older complain # XXXX in which i was reimbursed ). Check # XXXX is in my possession with VOID written on the front and the back of the check. There is no way that this check was deposited again at a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was searching for concert tickets to XXXX XXXX on XX/XX/19 on XXXX. I emailed one of the posts and provided my phone number. The XXXX person who posted the ad contacted me via text messaging. He asked for me to send the money for the tickets and he would then send me the tickets via email. I sent the money and the person who claimed to be " XXXX XXXX '' disappeared. I was never sent the tickets and his phone number was disconnected and his ad was removed. The XXXX Ad was post ID XXXX.
Product: Mortgage

I updated the automatic payment information with our mortgage company to automatically withdraw {$390.00} from our bank account. I received an email notification on XX/XX/18 that the information was updated. Somehow, the automatic payment information was removed from our account by the mortgage company and we were not notified. We received no email messages or phone contact from the company until, on XX/XX/18, I was informed that we were in collections. We paid the overdue mortgage of {$800.00} on XX/XX/18 even though the error was not on our part. The mortgage company refused to remove the collections report from our account, even though we submitted the exact same information for the automatic draft and have had no issues since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}
Product: Money transfer, virtual currency, or money service

My ex girl friend used XXXX to send money to my XXXX account and than to her XXXX XXXX account - its a clear money trail but XXXX refuses to assist properly and told me to contact Zelle - I contact Zelle and they tell me to contact my bank. 

And now shes using my account to pay her rent
Product: Credit card or prepaid card

I have traveled to XXXX on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in XXXX for XXXX months as a student ) on XXXX only. I opened my XXXX and XXXX and noticed that somebody took my SSN and opened JPMCB CARD $ XXXX my name. I disputed it via XXXX and they have removed it successfully. But it appeared on my XXXX and XXXX a month ago. I have my XXXX form as a proof that I entered the country as a refugee on XXXX until then my SSN was not even active. I would really appreciate your help. Thanks!
Product: Debt collection

RE : AFFIRM I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.
Product: Credit reporting or other personal consumer reports

I wrote some letters and sent them out to XXXX  credit bureaus back in XXXX XXXX. XXXX  credit bureaus received my letters but Equifax. When I call them about the letters, they kept saying they did not receive them. Im like maam Im know you all have them because I sent them all out to XXXX  credit bureaus and you the only one that said you dont have them. Please explain. They hung up phone in my face.
Product: Credit reporting or other personal consumer reports

I settled on this debt with Continental Finance. It is still showing on my credit reports as opened ( on XXXX ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 or other personal consumer reports

These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX Date : XX/XX/20XXXX XXXX
Product: Mortgage

We had a flood in our basement and have {$12000.00} of insurance coverage that we pay into escrow every year. The mortgage company or Mr. Cooper does not pay our insurance. We showed proof of XXXX XXXX 's adjusters report. This report is over {$21000.00} we had the work completed over two months ago. Mr. Cooper who over sees our mortgage says we was late on mortgage payment in XXXX so they can not Release our funds fully for event that happened in XXXX. We have bank statement showing we never missed a payment since we entered into the program in XXXX. We are currently up to date and have not missed a payment. We have showed proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

I Contacted the company thru phone and they offered no resolution the late payment from XXXX of 2020 was not late.
Product: Credit reporting

Chapter XXXX Bankruptcy closed XXXX/XXXX/08 still reporting on XXXX and TransUnion
Product: Credit reporting or other personal consumer reports

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 violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I just sent this letter to mygreatlakes.com, it 's the second time excess payments have n't been made correctly. 

Please apply 100 % of my excess payments to the account with the higher interest rates immediately. 

XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$20.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$40.00} According to your repayment rules, there is zero reason for the monthly payment for loan token XXXX to be going up each month. My payments being made in excess should be going towards token XXXX, as outlined in my overall account, and as each payment is made. I choose for 100 % of the excess payment to go towards token XXXX with the higher interest rate, and it NEVER happens correctly. 

Please contact me as soon as you can. This is the second time I 'm contacting you about this problem after I was told it had been resolved over the phone. I will be contacting the CFPB as well with this exact letter for the second time.
Product: Credit card or prepaid card

Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express.

We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX  bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account onXX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles.

You still have time to meet the spend requirement. For the {$50.00} statement credit, you have untilXX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account.

Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information.
Product: Credit reporting or other personal consumer reports

In accordance with the principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Debt collection

Situation : I have has XXXX of XXXX accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted XXXX on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then XXXX will collections called me, I explained the situation they noted the account. Then they sold the debt to Midland funding, who seems to be very aggressive. Tried to sue me for all the accounts from XXXX. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland funding started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then Midland places to other bureaus. Then I need to complain there and get it removed. Midland Funding is like XXXX, once one portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw Midland only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the XXXX that they are actively reporting after 6 months of re-investigation with no results:1 ) Balance was positive XXXX ) Charges were XXXX ) In the end i was owning XXXX XXXX ) Midland reports and demands for {$2500.00}