23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an medical emergency on XX/XX/year>, I used an ambulance company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I received a bill for this service in the amount of XXXX} in XX/XX/year>, since I realized Insurance had not been billed I reached out to XXXX at their number on bill and provided them my insurance information. That is the last I heard on the issue until I started receiving collections calls from Wakefield and associates. 
I have a form of XXXX so usually by mid year I have usually met my max out of pocket with my insurance provider. Therefore, I would not have incurred any financial responsibility for this bill. I kept being told that they are going to bill my insurance ( I have emails to provide ), but they never did. 
I have sent a letter from my work attorney service to remove from my credit report.. they will not. 
My employer insurance will not cover it since its now over a year, but I do not think its fair when no one even reached out to me before turning this over to collections, and I had provided them my information to bill them for the service. 
I have documentation from my employer that they did not submit any claim for this transport. 
I have perfect credit, with no negatives in 20 plus years.. this has adversely affected my credit report, they could have been paid had they submitted bill to insurance. 
Respectfully, XXXX XXXX
Product: Bank account or service

I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. 

After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. 

I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. 

After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. 

When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). 

Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. 
I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.
Product: Credit reporting or other personal consumer reports

For several months, my credit report has shown an account included in a bankruptcy under the name XXXX XXXX ( XXXX ), which was charged off by the original creditor. This account was resolved during the bankruptcy itself. The fact that this account is reported on my credit history constitutes a violation of my rights under the FCRA, especially since the information is being reported inaccurately among the three credit bureaus, which qualifies as a violation of the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Debt collection

In XX/XX/XXXX I became unemployed. I continued to keep my accounts with American Express mostly current until I got a new job in XX/XX/XXXX. I started paying down all of my revolving credit at that point. In XXXX, American Express started contacting me about my accounts, which had been open since XXXX. 

I called American Express to determine whether any sort of temporary relief could be had. We were terribly impacted by Hurricane Harvey, and our mortgage company, car leasing company and other revolving creditors helped by offering extended terms or delayed payments. American Express offered nothing. American Express further demanded immediate payment in XXXX. I made a partial payment over {$4000.00} in XXXX and promised a more substantial payment in XXXX. American Express continued to increase the amount it demanded as immediate payment. 

The first week of XXXX I paid American Express {$5500.00}. They called immediately demanding more payments. I asked for any kind of concession, interest rate, split payments, anything. My offer was flatly refused. 

I told American Express that I would then pay off the entire balance owed on all accounts, current and not, and cancel my cards. 

As soon as I told American Express that I would cancel my cards, they immediately reported me delinquent to the credit reporting agencies ; I surmise as a way to pressure me to pay off the balance, which I had already promised to do. Before the end of XXXX, I paid off all of my accounts with American Express, more than {$68000.00}. 

American Express continued to report derogatory information to the credit bureaus despite my calls. As a result, the credit to my business and my other personal lines of credit were diminished to the point I had less than {$20000.00} in credit available. My FICO score went from the mid 700 's to 620. As of today it rebounded a bit to XXXX. I spoke with American Express again yesterday, but they said their credit department was closed. Obviously they did something because nothing in any other account changed. All of the damage was done by American Express after American Express was paid IN FULL.
Product: Credit reporting

I do not know what what these bad accounts are. I have not had credit with XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful non-compliance of the credit bureaus and data furnishers in properly investigating my disputes. Based on, U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) This account in violation not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act. The list of accounts 15 USC 1681s-2 XXXX has continued to report inaccurate information after i provided notice of disputes. 

- XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX
Product: Checking or savings account

On XXXX  about 2021 my information was used too get a banking account from chime I'm a victim of identity theft an I would like this removed from my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issues with XXXX  TXXXX  XXXX XXXX  and FedLoanserving. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from
Product: Mortgage

I put a contract on new home at XXXX XXXX in XXXX XXXX Virginia on around XX/XX/2021 I was told that I had a derogatory item on credit by NVR mortgage and that it needed to be removed before closing. It was an erroneous item so I had it removed from my credit report. Now they are refusing to close and refusing to refund my deposit and harass me over the phone ( I have voice mail message from manager saying inaccurate derogatory statement ) and threatening not to give me me deposit back of XXXX dollars.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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, AND 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 or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information with the listed account DEPTEDXXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

In response to complaint XXXX, I made a {$12000.00} payment to Fedloan which still has not been applied to my loan balance since the complaint. Fedloan responded that it can take several weeks for the payment to show up, which is not a concrete deadline. The payment was an ACH payment which took one day to be withdrawn from my bank account. There is no concrete deadline or date provided to me at which point I should see this payment post. 
In response to Fedloan saying my payment was sent to aidvantage, aidvantage has no record of my payment and my loan balance has not changed since my payment on XX/XX/XXXX.
Product: Mortgage

I WAS GIVEN A MODIFICATION I MADE THE 3 PAYMENTS AFTER I MADE THE PAYMENTS THEN ( WELLS FARGO ) SENT ME A LETTER SAYING I DIDN'T QUALIFY FOR THE MODIFICATION THIS WAS BACK IN 2008 I HAVE BEEN TRYING TO MODIFY Y THE MORTGAGE AGAIN SINCE THEN THEY HAVE DENIED ME NO MATTER WHAT MY INCOME IS
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Agency ( PRA ) is violating my rights. I requested validation of the debt. PRA sent  information validating the debt. I disputed the accuracy of the information several times. XX/XX/XXXX PRA submitted information to CFPB that my Date of Last Activity ( DOLA ) is XX/XX/XXXX. PRA sent documentation ( enclosure 1 ). The documentation does not establish the DOLA. The first page from PRA files of the original creditor ( OC ) ( XXXX XXXX ) states that your behind by six payments the due date XX/XX/XXXX minus six payments will place the DOLA XX/XX/XXXX. PRA date of this information was XX/XX/XXXX. ( enclosure 1 ) I made a request to XXXX XXXX. I requested the information transferred and sold to PRA in which included the entire history of payments. The last payment made to XXXX XXXX ( OC ) is XX/XX/XXXX. ( enclosures 2 ) I compared the documentation from PRA and OC. PRA omitted the payment history in which establishes the DOLA. The OC documentation included the DOLA. ( enclosure 1 & 2 ) PRA documentation only show  XX/XX/XXXX and no payment history or the DOLA. The OC documentation shows correct payment history without any omissions. ( enclosure 2 ) PRA is reporting to Equifax false information. Equifax is reporting the date of first delinquency as XX/XX/XXXX. The date of first delinquency according the OC is XX/XX/XXXX. Equifax does not show the date of last payment ( enclosure 3 ).
Product: Checking or savings account

On XX/XX/2022 I closed my account with Netspend. I had {$450.00} in that account and they have been refusing to send me my refund of check to me. I have verified the address on file, Ive verified my identity, Ive verified the mailing address which the check needs to be delivered to. Ive been trying to do this for a month now and at this point they are stealing from me. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from this company for account # XXXX about an alleged debt and also spoke with a XXXX XXXX about the HIPPA regulations and my right to privacy violated by this company. 
consumer law of 42 U.S. Code 1320d6 which states the Wrongful disclosure of individually identifiable health information.

The creditor has also violated my rights under 15 U.S. Code 6802 which states that I have a right to privacy of personal information.

A debt collection agency is NOT suppose to have access to the specifics to my medical and health information. Please also note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because you will be deceiving me after my written request.

Furthermore, 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. When I received a letter from your agency ( see attached copy ) it states that the agency has requested that consumer reporting agencies report the account as disputed for removal. Therefore, I request the agencies compliance and immediate removal of this alleged debt.
Product: Checking or savings account

I opened a small business account with XXXX Bank and deposited funds into the account. When opening the account, I provided the Certificate of Incorporation filed with the Secretary of State 's office and the EIN letter from the IRS. Both documents have the correct name of the business. After opening the account, I traveled to another state to purchase equipment for the business using the funds in my account. While attempting to transfer the funds to the company electronically, I was locked out of the account. I was on the telephone with an assistant branch manager while making the transaction, but I was placed on hold and eventually disconnected. When I tried to log back into my account, the account was locked and I have not been able to access the account since that day. When I called the customer service number to get back into the account, I was told that the business name did not match the name on the Certificate of Incorporation and EIN document. I later found out that someone changed the business name on the account without my permission from " XXXX XXXX XXXX XXXX '' to " XXXX XXXX ''. Customer service notified me that I would have to go into a local branch to get back into the account even though I was in a state without a physical bank location. When I returned home, I went into the physical bank location and went through the process of having access restored. However, when I logged in the next day, I was not able to access the account. I called the employee who restored access and she said I would have to come back into the branch again. I have been a customer with TD Bank since 2006, and this has never happened before. I need assistance with getting access to my account and my funds. I also recently have had an issue with the bank changing the name on my personal account from my legal name " XXXX XXXX XXXX '' to a previous name " XXXX XXXX ''. I have made requests multiple times to have the name corrected, but the bank continues to change the name on the accounts and debit cards to my previous name. I need assistance with getting the bank to change the name on my personal accounts to my current legal name.
Product: Credit card or prepaid card

On XX/XX/2019, I applied for a Discover credit card. 

They said to call on the last page or Message them. When I went to Message them, my Internet browser froze. It was odd timing. 

I had to call them. Well, when I called Discover, they declined my application because they said I had a Credit Alert out and I didn't have access to the phone number on file. 

They refused to ask any identification questions like I've always done for all credit cards I've applied for while having a credit alert out. 

I was so angry I was screaming and crying at them. 

They said I had to call the credit monitoring company and have my phone number changed, my fraud alert dropped, and then reapply. 

It would ding my credit score. I'm too smart to do that. That is destruction of a person 's hard work and then lying that they could not work with me and ask identification
Product: Payday loan, title loan, personal loan, or advance loan

I got a XXXX personal loan from XXXX XXXX XX/XX/XXXX with a XXXX  month payments agreement which my payments were XXXX. I was doing payments monthly then fell into a Hardship. My hours decreased and I had time out of work due to my XXXX XXXX XXXX. After my Hardship I reached to Clearone Advantage to consolidate my loan which was XXXX per month. I been paying payments since XX/XX/XXXX which they were suppose to reach out to XXXX XXXX and do a settlement. They haven't reached out to XXXX which they said they did but didn't receive a response and XXXX said they haven't. My credit decreased drastically and my XXXX loan back is increasing more plus with interest. I need some type of assistance with enforcing because Clearone Advantage just want to keep collecting my money and nothing positive is happening. Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00} Account XXXX : XXXX XXXX  Account XXXX : XXXX bal. {$0.00} Account XXXX : XXXX XXXX Account XXXX : XXXX bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is simple. Capital One Auto Finance is reporting that my DOFD ( DATE OF FIRST DELINQUENCY ) on the auto account as XX/XX/XXXX. 
I obtained financing for the vehicle in XX/XX/XXXX. 
There has been negative ( XX/XX/XXXX day late/repossession ) activity on this account dating back to XXXX. Capital One does not report ( appears as NO DATA ) to the Credit Reporting agencies this information. 
This in tandem with the incorrect DOFD of XXXX " re-ages '' this debt, causing it to remain on my credit report well beyond the time it should appear. 
Numerous letters to XXXXXXXX and the credit reporting bureaus have produced no results other than notification that the " account has been verified. '' This is a gross violation of the FCRA. My next step is to seek a consumer protection attorney, to litigate the matter. My creditworthiness has suffered, my emotional stress and injury has been due to the fact that this error remains, and the companies involved will not simply review my accounts manually and see the errors. The account should be deleted in its entirety because the DOFD " starts the clock '' regarding the 7 years the info should remain on the reports.