23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX hospital mailed a XXXX statement in XX/XX/XXXX or XX/XX/XXXX regarding an XXXX visit on XX/XX/XXXX. The statement did not itemize what the charges were for and since I had already paid several invoices from swedish covenant that were sent right after the XXXX visit, I requested a detailed invoice from XXXX. This was never provided, however the statements continued and so I felt pressure to just submit payment via my health savings debit card. This transaction paid the statement balance in full and the transaction was dated on XX/XX/XXXX in the amount of {$150.00}. 

On XX/XX/XXXX, my account was sent to a collection agency. I was unaware as no further statements have been received. I only found out about this when I checked my credit score and found this as a derogatory remark against me. 

As I prepared to dispute this charge, I reviewed the charges submitted to my health care provider XXXX. Not only has XXXX failed to provide myself the requested invoice, they never submitted an invoice to XXXX. For all I know, this charge I paid for was a double billed amount, an over billed amount or something that should be covered by XXXX. 

I feel the actions taken by XXXX XXXX are in violation with fair credit reporting regulations. In addition, the collection agency has not contacted myself, however through the credit reporting they reflect I have not paid this balance. 

This amount should have never been sent to a collection agency and possibly should never have been billed.
Product: Mortgage

The mortgage company promise to put what i owe at the end of the mortgage. They call me telling me that i have to pay everything that i owe by XX/XX/year> which i dont have. With the pandemic and hurricane am having difficulty getting work. Am struggling at the moment to make ends meets. Why would they go back at there words. The Amount owe is {$17000.00} Payment date is XXXX XXXX when they make a promise to put it at the end of the mortgage. Now they want everything at once.
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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.
Product: Credit card

I received a notice dated XX/XX/ from Target/TD Bank USA that my Target Credit Application was denied. I did not apply for this card. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Equifax to inquire about my credit file being Flagged / Blocked I was Informed to submit/ FAX documents ( Birth Certificate, Drivers License, Social Security Card, and a current Utility bill ( for current address ) to confirm identity in order to remove FLAG / LOCK. All of the things that one would need to commit Identity Theft. 
As per request, I faxed over the required and requested documents on XX/XX/2019 at XXXX : XXXX Was informed that I would receive something in the mail that would confirm that the documents / fax was received. 
XXXX Tuesday, XX/XX/2019, I contacted Equifax to follow up on my request, on to be informed that Equifax did not have my faxed documents. 
I Inquired about that fax number and the representative informed me that she did not know the number that I gave her. 
Then I requested that Equifax search for the fax ( check the fax machines history and pull the fax from there. While Equifax did not directly say no, they informed me that the only way that they could help me was to resend the fax. In this day and age of Identity Theft and SCAMS, I am extremely RELUCTANT to resend anything to Equifax as CLEARLY they are NOT responsible! 
I am DEMANDING that there be some results and accountability for this issue. This does NOT instill CONFIDENCE on ANY LEVEL!!!! I simply want these issues RESOLVE and for Equifax to be RESPONSIBLE and ACCOUNTABLE for their actions, just as I MUST! 
They need to locate the original fax that I sent and use that. Until then because of their INCOMPETENCE, I must suffer? Perhaps I should charge the {$100000.00} per day for every day they all this issue to go unresolved. OR perhaps they need an XXXX XXXX XXXX for their employees.
Product: Debt collection

A XXXX XXXX illegally carried over an old debt from a utility bill that they never filed in court under the 3 years of statute of limitations that ended in XXXX. Nor did they report credit agencies. Within the 5 to 7 years. They waited after statute of limitations expired to charge off the debt to XXXX XXXX in XXXX to restart the credit reporting for an additional 7 years illegally. Secondly the amount is incorrect the original Amount from account # ( XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. is {$2800.00} but the added the same account XXXX XXXX number with a higher amount {$4900.00}. At a new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They illegally carrying over old balances to new balances and extending the statute of limitations. With a higher late feels and interest.
Product: Credit card

I have paid my original balance with Capital One along time ago. On XX/XX/year> I paid my entire balance of {$250.00}. My balance, at that time, should have been {$0.00}. But for whatever reason paying after XXXX on the due date earns you a Late fee of XXXX XXXX For most companies it's by XXXX on the due date. I've called the company numerous times to ask them to take off the late fees. But they refuse to take off the fee and are not working with me. Like I said, I paid the original balance on my due date. I paid at about XXXXXXXX XXXX on the due date. They have since continued to charge me a late fee every month and also charged interest. .... This is all from a XXXX $ late fee they refused to take off, not from an actual balance I didn't pay, it's from a fee. My balance is now {$180.00}. The way they continue to pile on these fees is Predatory and unethical. My balance should be XXXX XXXX I paid my entire balance at XXXX instead of XXXX. Does this deserve a {$180.00} penalty fee? These actions, from the credit card company, are reprehensible and unacceptable.
Product: Credit card or prepaid card

I first announced to all three credit bureaus that I NEVER applied to Bank of America for a credit card. This has been going on since XXXX, XXXX, I did file a fraud report ; however Bank of America is still on my credit reports. 

Every time I receive a piece of mail from Bank of America, I always return it to the sender. On XX/XX/XXXX, I received another piece of mail from Bank of America for which I wrote on it " I DON'T HAVE AN ACCOUNT WITH YOU! STOP SENDING MAIL TO MY HOME!! '' Now I find out that Bank of America, has been opening fake accounts in peoples name. 

I NEVER RECEIVED OR USED A BANK OF AMERICA CREDIT CARD. MY CREDIT REPORT SHOWS NO ACTIVITY. WAS THE CARD ACTIVATED OR WHAT!
Product: Debt collection

On 6 separate occasions in writing I have asked MRS to stop contacting me and they continue. I wrote to them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and I also called on XX/XX/2022. yet they keep on sending me emails.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXXXXXX  XXXX
Product: Debt collection

I received An email that there was a major derogatory on my credit report and I was Checking and it said there was a collection from XXXX and XXXX for {$370.00} I believe someone is using my identity because few months back I received a call from a bank asking if I was trying to purchase or apply for XXXX and XXXX and I said No and they said thank you for confirming its not you. And today it says it Was in collection.
Product: Credit reporting or other personal consumer reports

I DON'T WANT TO HAVE THIS ON MY XXXX  REPORT PORTFOLIO - 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
Product: Mortgage

I have a mortgage with PennyMac. In XXXX of XXXX, XXXX offered a forbearance for assistance while I was a student in school ( a representative reached out to me in reference to a comment on one of their XXXX posts and when I told him the trouble I was having, he offered the forbearance offer ). The understanding of the offer was that I would be required to make a lower payment of an agreed upon amount ( approximately {$480.00} per month ) and I was to check in with PennyMac once a month while in forbearance. If I was to abide by the terms, I would be offered options at the end to put any past due amount back into the mortgage. I inquired regarding credit protection and late fees, of while I was told I would be protected. I accepted the forbearance. Once I came out of forbearance in XX/XX/XXXX, I was told if the loan was XXXX or less payment behind, I would qualify for more favorable options to resolve the forbearance. So I made a fill payment of {$1700.00} on XX/XX/XXXX. My payment was then post dated by PennyMac ( per their representative when I called on XXXX to inquire as to why my payment had not come out of my bank yet ). This caused my past due payment count to be XXXX instead of XXXX while under modification review. So, I was given only one option to to rectify the delinquency, a loan modification. The modification terms was that I would make a lowered monthly payment ( which I did not request ) for XXXX " trial '' months, XX/XX/XXXX - XX/XX/XXXX. During this time PennyMac would report my loan delinquent. Once I fulfilled this trial period, I would be given the modification terms to sign and the loan would be brought current. Only details provided is that my interest rate would not change and they would add 14 years to my mortgage. I was not provided anything in writing that outlined the full details. I asked if I could go ahead and sign the agreement, to prevent taking a horrific hit to my credit ; I was told I have to fulfill the trial period and my delinquency would indeed be reported during this time. They stated there was no protection against this " like there was during COVID ''. I asked about options to pay the past due amount in full. She said " you can, but you'd have to do it in like a week to give us time to work on it ''. I asked why i didn't qualify for the better option, since I was 6 payments behind. She said I was actually 7. I said I made that payment on 1/30. She then proceeded to tell me they actually penalize me an additional payment, so I'm considered XXXX payments behind. Every representative I have spoken with has given me a different explanation. And from the very beginning it appears the are making the rules up as they go along. When I called PennyMac on XX/XX/XXXX to again inquire about where the paperwork was for me to sign, i was told " there is nothing to sign, you just have to start by making the trial payment beginning of XXXX. The paperwork will come after the trial payment ''.
Product: Debt collection

I had a XXXX XXXX XXXX credit card they submitted it to Jefferson Capital debt collector and I paid off the balance I actually settled with them for a lesser amount back in XXXX of 2021 they told me once I paid it off and I settled it it will be removed off my credit report and they still have not done it because of that they lied to me I am being refused an apartment And if they can't remove it then they need to change the language and say that I settled the account in a lesser amount and remove the charge-off / collection language off of the three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.
Product: Checking or savings account

I was seeking to repair my credit by utilizing a credit building account with Self Financial. They require that you submit collateral for a CD which is placed in an interest bearing account. You make monthly payments which are then reported on your credit report. I never submitted the required collateral, as required by the agreement and they reported my " account '' as 30 & 60 days past due respectively because I didn't make any payments. But I didn't make any payments because I hadn't submitted the required collateral payment to fully execute the contract. This was XX/XX/2018. This is ruining my credit. I don't owe these people any money because I never received a CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$910.00}.
Product: Credit reporting or other personal consumer reports

Bank of America has breached the Fair Credit Reporting Act, specifically under Title 15 USC 1681, Section 602, which guarantees my right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 specifies that a consumer reporting agency is prohibited from providing information about my account without my written consent. Moreover, under 15 USC 1666b, a creditor is not allowed to label a payment on a credit card account within an open-end consumer credit plan as late for any purpose.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. 

BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.
Product: Credit reporting

Transunion is the only credit reporting agency that is requesting proof of my current mailing address in order to put a fraud alert on my account. They have historically had wildly incorrect information on my account ( that is different from the XXXX other agencies ) and I could never get them to respond appropriately or resolve after providing proof. Now they are mailing a notice to a mailing address I have been at for 15 years asking for me to prove it is my current address every 90 days when every other agency is renewing a fraud alert on my account that I requested. I refuse to send additional info to the only agency that ca n't keep proper records from the start like the other agencies do and this is irritating that they wo n't put a fraud alert on my account at my request when I had fraud activity on my verizon account that indicated my ssn was compromised. My address has n't changed in 15 years and they are n't sure what it is?? Please do something about credit reporting agencies that forces them to keep proper records, handle requests appropriately and take fraud alert requests seriously.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding NATIONSTAR/Mr. Cooper ( Account Number : XXXX ) for inaccurately reporting late payments ( XXXX days late ) to all credit bureaus after my loan was transferred from XXXX, where I was in active forbearance due to hardship and hurricane impact. 

Under the Fair Credit Reporting Act ( FCRA ), accounts under a forbearance agreement should not be reported as late. Despite my compliance with the forbearance terms, NATIONSTAR/Mr. Cooper 's reporting has significantly impacted my credit score.
Product: Credit reporting or other personal consumer reports

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. and accounts that I do not recognize that I have never had, here I am sending you a copy of the FTC report that I made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX 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

This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap.
Product: Credit card or prepaid card

I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX
Product: Credit card

Hi, Bank of America closed my both credit cards without notice impacting my credit score, closing my longest credit card and affecting me. 

I call them and told me they sent a letter 30 days ago requesting information, I did not receive that letter and there is no notification on my accounts, website, app, nothing. I think is unacceptable for a bank to just sent a letter and in 30 days close an account when they have various channels to communicate and alert the users. They are telling me that this is permanent.