23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMERICOLLECT , INC . I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER had an account with XXXX or XXXX as far as cell phones! However I did have an account with XXXX XXXX XXXX for my home service and it has been paid in full and I've gone to a different carrier yet this still keeps showing up on my credit report even after it was removed it has showing up again and this is Been from 2015
Product: Debt collection

I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following items to be updated or deleted from my file immediately : Original Creditor : 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 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 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

I registered with Experian many years ago... I was notified via XXXX letter my personal information was leaked by 3rd party... I attempted to login to Experian with my personal information ... but unable to... Experian will not allow me to access system/credit report. I've attempted to call them 100s of times ... the only way to access is online which they say they are texting to my cell phone... but they don't... so I can't access system. 

Experian will not allow me to talk to a customer service rep ... only online access is available... thus I can't access my credit report... Experian should be investigated ... this is talked about all over the internet Experian is not allowing peopel to access their reports.
Product: Credit card or prepaid card

My Old Navy Credit Card Account with Synchrony Bank was closed with no notification to me. The only reason I knew this happened was due to an alert on my credit report. I was advised It was because my card had a {$0.00} balance and was not used recently. This account closure is negatively affecting my credit report because it decreased the total amount of available credit I have across all cards and decreased the average age of my accounts. This was an account I had for many years. When I spoke to the Bank they advised me there was nothing they could do. I spoke to an account manager named XXXX that showed no interest in assisting me and made it seem like I did something wrong because I was not carrying a balance. Credit Card accounts should not be closed unless there are missed payments or at the request of the cardholder. I want the account reinstated.
Product: Credit reporting or other personal consumer reports

EXPERIAN, Last 4 social:XXXX RE : XXXX  To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Account XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and accordance with the fair credit act first progress,, 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.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

I have a Citibank XXXX credit card that I currently have two deferred interest payments setup. These were both created using balance transfer offers. Once of these balances was setup with 0 % interest and is currently due on XX/XX/XXXX. The other balance was setup recently with a 0.99 % interest rate and it is due XX/XX/XXXX. I intended to pay off the 0 % interest balance in full before the transfer offer expires on XX/XX/XXXX. Citibank has informed me that due to the way their system is setup that any payment I make will be applied to the higher interest rate balance first. This would make sense normally but not in this case. I explained this to the representative and the supervisor today ( XX/XX/XXXX ) but I was unable to convince them to pay off the balance that is due XX/XX/XXXX. While I was on the phone I found a webpage on the Citi site that states the following... 
Amounts over the Minimum Payment Due are generally used to pay off higher rate balances first. 

- Any amount paid in excess of your minimum payment due each month will be paid to your highest interest rate balance first. 
- The only exception to this is the 2-3 billing cycles at the end of a deferred interest promotion. During this time we will apply any payment in excess of your minimum payment due to your expiring promotion. This will ensure you continue to have the best opportunity to pay your promotional balances before expiration. 

https : //www.citicards.com/cards/wv/copy.do? XXXX Please notice the 2nd sentence that is exactly for the situation I am in. It states that I can make a payment within 2-3 BILLING CYCLES to pay off the balance that is EXPIRING. 

Citibank officials explained to me that I must wait until 3 days after this cycle ends ( XX/XX/XXXX ) so that my expiring balance will not be the higher interest rate balance and they can apply my payment to that balance. Unfortunately I would be responsible for interest payments to them because my balance transfer would have expired. 

I am very angry about the lack of assistance and even after I had read them THEIR statement on their website they refused to pay off my expiring balance. I think the situation warrants a lawyer because they are breaking federal rules for credit cards but I will start with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Hard inquires that I do not recognize and I did NOT give authorization any of these hard inquires.
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report twice from 2 credit bureau and I havent successfully been able to receive my credit report from XXXX, trans union and XXXX XXXX  every time Im trying to pull the report it shows an error I have try to contact this company but no one gives me and answer why Im not able to retrieve my credit report
Product: Debt collection

American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Amount : {$160.00} I have notified American Express that I was not paying this debt. They must cease all communication under 15 USC 1692c. This account should be removed from my credit report immediately.
Product: Credit reporting

visited the free credit report website and then proceeded to the Experian site where I was told that I must make a {$1.00} refundable deposit, When I did so, foolishly, I was deceptively signed up fr a credit monitoring service. It wa not my undestanding that this was nautomatic ad that I had to physically cncel XXXX service =, ecause this was done wthout my knowledge, I did not cancel aything until I recived a charge on my checking account for {$2.00}. I di cal and complain but was told. too bad.
Product: Checking or savings account

I just received a notice from my Wells Fargo they are closing my account. I am not bouncing checks or anything like that. It's just that I have a small account that only receives my social security check. 

The bank only gave me a one week notice. I receive my Social Security check into this account and Social Secuirty takes 6 to 8 weeks to be able to switch to my new account. Can you help me to stall the closing until my Social Security check can make the switch to the new account?
Product: Payday loan, title loan, or personal loan

I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX and other collections on my account that I did not attempt or live and the address they have on file
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report this morning, and I can't figure out how they got there. I regularly check my credit report, but this time, discrepancies suddenly appeared out of nowhere. I tried refreshing my browser to see if it was just a glitch, but nothing changedthe incorrect accounts were still there. Because of this, Im asking that the documents Ive submitted be thoroughly examined so I can have peace of mind.
Product: Credit card or prepaid card

I was approved for my 2 credit cards but didnt get one and lost the other one and their were charged I didnt recognize authorize and called but I dont get the claim process I was told I am not liable fir charges I didnt authorize I still have not seen a credit for those charges
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by 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 XXXX XXXX XXXX I also filed a identity theft report with ftc
Product: Credit card or prepaid card

My name XXXX XXXX XXXX, NY XXXX AMEX Gift card fraud charges on card worth {$500.00} AMEX XXXX # XXXX XXXX XXXX Fraud charges from XXXX on : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$10.00} Total fraud charges {$470.00} XXXX case # opened on XXXX, XXXX at XXXX EST I was given this XXXX case # XXXX I called AMEX Gift card and they closed the card on XX/XX/XXXX. 

XXXX indicated they refunded money to gift card on XX/XX/XXXX. AMEX customer service indicates money has not been refunded by XXXX. 

I sent a registered letter to AMEX on XXXX with this information and they have not responded. AMEX has not even provided the balance on another card. 

On XX/XX/XXXX, AMEX indicates they can't find my card number and it doesn't exist. 

I am being cheated out of {$500.00} and require your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I requested an investigation into this account and you didn't fix the errors. Then on XX/XX/year> I requested a re-investigation, and you still did not fix any errors. Even after these two investigations you are showing this account was charged off every month for 13 months in a row. An account can only be charged off once, not 13 times. I I'm in disagreement with the account listed below, which still appears on my credit report, even after 2 investigations. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

XXXX  XXXX XXXX date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXX XXXX XXXXXXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is 78mins the 78mins past and they called back but I'm still on hold for an additional 49mins and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXX date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
Product: Credit reporting or other personal consumer reports

Hello, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I entered a consumer credit transaction with COMENITY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Equifax & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Product: Debt collection

XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal.

15 USC 1681S-2, 15 USC 6802, 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Debt collection

PAYLIANCE is sharing my nonpublic personal information with non affiliated third party XXXX, XXXX, & XXXX. I did not give my consent to have nor share my private personal information. In the FCRA section 1692b states without the prior consent of the express permission of a court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I let Transunion know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit card

The Ulta XXXX thru bread financial was paid in full and account closed. For the past XXXX months they keep charging fees and random {$2.00} charge. There should be no further activity on this account. They are scamming for every nickel and dime. These charges seem predatory.