23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After I gave birth on XX/XX/XXXX at XXXX XXXX, I set up a payment plan with the hospital and it was paid off when my daughter turned XXXX XXXX XXXX in XXXX. I received a phone call in XXXX from XXXX XXXX XXXX that the insurance company hadn't paid them the payment at that time. I was told to contact the insurance company ( XXXX XXXX XXXX  ) and was threaten that the hospital will transfer the debt onto me if the insurance company doesn't pay the hospital so I called the insurance company and asked them to pay the payment. Now, I'm scanning the document and it seems like the hospital tried to claim the payment from XXXX XXXX XXXX. It is a very stupid mistake that we told the hospital so many times that they needed to make the correction. 
More than a year later, XX/XX/XXXX, I received a mail from XXXX  XXXX XXXX, a debt collector is claiming the payment from me. I called XXXX  XXXX XXXX to clarify that we paid off our payment as we still have the records of the account # with XXXX XXXX. I also called the insurance company ( XXXX XXXX XXXX  ) to clarify the payment on XX/XX/XXXX, I was told that they erase payment history after 2 years, so they don't have records if they already paid the hospital or not. The lady at XXXX XXXX XXXX said that she will need to escalate the issue to her supervisor to get information. 
I got a phone call today from XXXX  ( XXXX ), but the lady on the phone wouldn't give details of the reason for calling. All I got was the name of the company and very rude attitude. 
I looked up the company and understood that I need to take actions. 

It's very unfair that I need to go through this when I'm still trying to figure out what happened and why I'm bothered by a payment that I do not owe.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax XXXX weeks ago about removing the statement " Fraud Victim ( associated with trade ) '' that is on my file where its listed under CREDIT FILE STATUS. I have attached a copy of exactly what I am talking about. Equifax told me XXXX weeks they have removed but yet and still it is listed there. I want it removed. I believe this is the reason nobody can pull my credit reports, XXXX can get a copy of my credit report to get my fico score or anybody else that need to see my credit report. A mortgage who i'm working with can't get a copy of my Equifax report either. I am begging you to please remove that statement from my credit file immediately as I truly believe that statment is causing me issues at the moment. I have attached a copy of my social security card, Passport for identification purposes and a cpy of my current utility bill with my current address and as I stated earlier a copy of what I am seeing on my credit file and it is highlighted in yellow for your review. I need that removed.
Product: Credit reporting or other personal consumer reports

I opened an inquiry against Experian # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against XXXX XXXX for services not rendered for the amount of {$1000.00}. ( XXXX XXXX it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, XXXX according with Experian stated XXXX is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
Experian is aware of the dispute on this account instead to correct it and remove it Experian made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its Experian website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and XXXX XXXX for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is report XXXX in amount of {$9000.00}. This account is paid in full. Please contact XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference file number XXXX and Cause No. XXXX.
Product: Credit card

I received a letter from XXXX credit card powered by Commenity Bank and this is my second problem with Commenity Bank for no XXXX good reason. There is something going on in the banking system. We all know that its already crashed to come in and XXXX XXXX my credit score is not acceptable. I have always made all payments on time with this card and all my other ones as well. Today I received a letter from them stating that theyre dropping my limit from $ XXXX {$200.00} because of my credit score being XXXX. You guys tell us to get credit cards to raise our score and momentarily they dropped down and then they dropped your credit limit, even though youve made every payment on time, these people want blood and I want my limit restored. I dont even use this card right now. My balance is {$140.00} and theyve knocked it down to {$200.00} so Im waiting for them to put the interest on and make it go over the limits and now they can charge me more fees. If you think the Consumer doesnt know what youre playing here youve got another thing coming and what it is is against The law or your at least stretching it. I am encumbering a consumer rights attorney. Im sick and tired of all these games being played on me and Im being a very good person paying my bills on time to try to establish my credit score to be higher, but yet youre dinging me with the credit score for doing the right thing and youre taking my limit down. I want the limit restored before I ever pay this card off. You are punishing me for something that I didnt do wrong and how dare you keep going into my credit score I wont allow that either stop now that is my privacy that youre invading.
Product: Debt collection

I received a letter from Midland Credit Management on XX/XX/2020 asking me for payment for a old debt which XXXX XXXX  XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX any debt. When I called the company to advise them, the person who answered at XXXX Stated it was an old debt and that even though I could not be sued he could report it to my credit. I asked if this is fraudulent. How can he demand money via letter and then threaten me for a debt I dont owe?
Product: Debt collection

I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.
Product: Debt collection

XXXX XXXX call them every day to settle this debt always told to talk to some by the name of XXXX but never no return call. 1 week call them daily no call back.
Product: Vehicle loan or lease

Capital One repossessed my vehicle XX/XX/XXXX  after I made a payment XXXX, XXXX XXXX. With further examination of my retail installment contract given to me by a dealership they recommended and partner with, XXXX XXXX XXXX XXXX of XXXXXXXX XXXX. My finance charge for the loan was falsified. It was {$11000.00} lower than the actual finance charge I was supposed to get. I did not notice that it was incorrect due to the finance charge being provided inconspicuously on a black and white form. Ive been making payments on a vehicle that is under an invalid unlawful contract for almost 2 years now. Ive had problems with this dealership before, they falsified an extended warranty prior to this incident which added XXXX to the principal agreement in which I had to fight tooth and nail to get reimbursed. Capital One and XXXX XXXX XXXX XXXX  actions are in direct violation of multiple acts including The Truth and Lending Act, The XXXX XXXX XXXX XXXX, The Fair Credit Reporting Act, and The Fair Debt Collection Practice Act. The unlawful and malpractices of both companies violate my rights as a consumer.
Product: Checking or savings account

There was a fraudulent checking opened with the bank that was subsequently mishandled, overdrawn, and closed as a result of ID Theft. I have contacted the bank on multiple occasions to let them know that this account was opened fraudulently and they refuse to do anything to help me. The last written affidavit I sent in I attached a copy of my social security card as proof of ID, and they updated the social on the checking account to reflect what was on my card, as the account was opened with a variation of my social security number. These accounts are now reporting to major reporting bureaus and have caused my accounts elsewhere to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.
Product: Debt collection

This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.
Product: Debt collection

I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account unknown was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Caine & Weiner via certified mail ( RR # XXXX XXXX XXXX XXXX XXXX and that have not responded or provided any of the information I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was  authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXO XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX Please See Attached FTC Report
Product: Mortgage

My loan was transferred to Flagstar bank from XXXX XXXX with an unauthorized and fraudulent insurance loan impound. I should have been removed on XX/XX//22 by XXXX XXXX, but they are scammers and refused to remove it before transferring the loan.
Product: Credit card or prepaid card

AMEX, XXXX XXXX, XXXX XXXX XXXX, all sent demand letters for charges I did not make. After my inquiry, each did send me statements identifying charges I never made or had any knowledge about these fraudulent charges. 

XXXX XXXX XXXX  XXXX did NOT notify me of all charges. They did give me any information on my account, but directed me to contact a debt collector XXXX attorney ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate. I was never late paying my debt. Correct this wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. 

I pulled my report and it seems there is a collection report reporting OPEN and 120 days late. Well i have been doing research and i know this is impossible for a collection account to be late. i also know it is a violation of FTC. 

Please remove this account from my profile immediately. 
XXXX Credit Report Reference Number is XXXX
Product: Credit reporting or other personal consumer reports

unauthorized unrecognized inquires and accounts are on my report, XXXX XXXX XXXX XXXX XXXX ally financial XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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: Mortgage

In XXXX, I secured a manufactured ( mobile home ) loan through Bank of the West. 

Besides the typical mobile home insurance required for my loan, I have been required to also maintain flood insurance. 

This had never been of issue until XXXX when Bank of the West first informed me in XXXX of that year, they had not received the required flood insurance. I followed up immediately by having my insurance broker ( XXXX XXXX ) fax a new copy to the Bank of the West Escrow Department. 

On XX/XX/XXXX, I received an email from Bank of the West ( dated XX/XX/XXXX ) they would be placing a forced plan on my loan. ( See Email 1 ) I immediately contacted XXXX XXXX and they followed up with another email to Bank of the West ( see Email 2 ). I also followed up ( See Email 3 ). XXXX also followed up on XX/XX/XXXX ( See Email 4 ) On XX/XX/XXXX I received notice Bank of the West HAD placed flood insurance on my loan. ( Scan 1 ) This time, I went to the branch where we originally signed loan documents in XXXX and spoke to the branch manager : Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX directed me to her Senior  Relationship XXXX XXXX XXXX ( same office ) who took all my information and informed me she would get this resolved. Later that afternoon, XXXX phoned me and said everything was taken care of. 

Until XX/XX/XXXX when everything happened again. 

I contacted XXXX through email and received the following response ( email 5 ) When it appeared this was not taken care of and I was still seeing the increased payment on my loan ( from the original {$1600.00} ) to now {$1700.00} I sent another email. This time, XXXX replied back saying, It will adjust the next billing cycle which is XX/XX/XXXX. I guess we were too close to the billing cycle cut off when the changes were made. ( see email 6 ) On Monday, XX/XX/XXXX, I sent a final email to Bank of the West that it was still not corrected and that if I had not heard from the Escrow Company, I would be placing a formal complaint. 

Which is what I am doing now 1. Bank of the West continues to not recognize I have the required flood insurance 2. Bank of the West is now deducting additional money for flood insurance I have already paid for 3. The local branch office has ceased communicating with me
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXXk holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit card or prepaid card

on XX/XX/2020, I deposited a check into my checking account, due to a miscoding error made by my bank none of the checks in my checking account cleared and were returned for insufficient funds {$41.00}. That was not the case, I had more than enough money to pay my bills. I have been a Macy 's credit card holder in good standing for 42 years with no problems with an excellent credit history. 
Due to the returned check XXXX XXXX is being beyond unreasonable and has put a hold on my credit card and no orders will process. This is unbelievable and unfair business processes.
Product: Debt collection

The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX