23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed the debt that XXXX wireless has on my credit report with all agency, XXXX has removed it after my dispute, yet it still remains on my transunion report. Also all the medical bills on XXXX still have NOT been removed, as they have been on trans union report, so my credit reports conflict XXXX another. I thank you for your prompt attention to this matter.. have a great day! Also I went and applied for a new car and the company assured me that it would not impact my credit score, they ran it XXXX times at XXXX different credit unions so I have a total of XXXX on my trans union report, can you please also look into this false information that XXXX XXXX XXXX gave me. Again ty
Product: Credit reporting, credit repair services, or other personal consumer reports

Td bank is saying that my balance due is {$390.00} as of XX/XX/2022. 
Which is false i have a bank statement that my XX/XX/2022 balance is {$310.00} which is inaccurate reporting. There for the fcra laws that XXXX has to remove it off my report
Product: Checking or savings account

I deposited a check for over {$600.00} and didnt receive it until XXXX XXXX later and only received {$300.00} from the deposit. I have not received my direct deposit for XXXX XXXX  after that. When I contacted Chime they said the money will available to me XXXX and they withheld my funds because of frequent spending and wanted to confirm my account. XXXX came with no money. I contacted again XXXX and they told me I should get it XXXX. I still received no money. I called XXXX XX/XX/year> and they requested proof from me that I hadnt been paid and requested the paystubs. I didnt hear back after XXXX XXXX so I called back with my supervisor. They told me that they would get right on it and I would be receiving my money shortly. I still havent received anything. I am behind over {$1500.00} waiting for my deposit to hit my account. Ive been using Chime and have not made any changes. My first missed deposit was right before XXXX and that was a mobile deposit.
Product: Debt collection

My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ). At the time she was seen under XXXX insurance with a prior authorization. The initial claim that was submitted was denied due to unbundling and upcoding of the medical claim by the XXXX 's. A resubmission at the lower bundled rate of {$1300.00} was resubmitted to XXXX by XXXX 's but was denied due to outdated primary insurance information. Due to the previous, but no longer relevant insurance, a third-party liability form was never sent to my residence for payment. Allied Collection Services Inc ( ACSI ) contacted me regarding an outstanding balance, but multiple checks of my credit revealed no outstanding balances. When contacted, XXXX at ACSI, provided limited information and demanded payment in full for {$2200.00} ( the higher unbundled rate ). After contacting XXXX this matter was resolved with XXXX paying XXXX 's the negotiated rate for services of {$530.00}. On XX/XX/2021, I received a call from XXXX at ACSI again demanding remittance for the unbundled rate of {$2200.00}. When explained that this has been paid by the insurance company XXXX became hostile, argumentative, and told me that it was impossible for it to be paid by the insurance company. Due to the behavior and attitude, I ask to speak to XXXX 's supervisor who became hostile and informed us that we were lying and that what had happened was impossible as insurance company 's never pay beyond 12 months. I have proof of the payment directly from the secure portal beneficiary login on XXXX but given the inappropriate actions by both ACSI and XXXX 's this merited further complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 : 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: Bank account or service

Wells Fargo is charging me for XXXX overdraft fees instead of just XXXX. On Friday, XXXX/XXXX/16 at approximately XXXX, I had approximately {$1000.00} in my checking account. at around XXXX when I checked again, XXXX items had come in electronically. XXXX was for {$20.00} XXXX return fee, and XXXX was for check # XXXX for {$36.00}. That left me with a balance of approximately {$990.00}. When I checked my account again at XXXX, the balance was still at {$990.00}. I checked my account again at approximately XXXX check # XXXX came in for {$1400.00}. That would cause my account to overdraw and leave me overdrawn for {$430.00}. 
I made a deposit on Monday Morning for {$340.00} which should have left me overdrawn for about {$92.00}, Well Fargo charged me for XXXX overdraft fees of {$35.00} each which left my account overdrawn for {$190.00}. I should only have been charge for XXXX overdraft fee for the check that came in for {$1400.00}, not for the XXXX items of {$20.00} and {$36.00} which came in in the morning when I had {$1000.00} in my account,!! 
Wells Fargo does this all the time, and it is called " re-ordering '' meaning how they process things for payment so they can maximize overdraft fees!!!!! You could also look at this case as a " high to low '' checking incident. I want to know how a bank can charge you XXXX overdraft fees, when clearly the XXXX electronic items that came in in the morning were covered by the funds in my checking account!! 
I am willing to pay the {$35.00} fee for the check number XXXX for {$1400.00} which caused the account to overdraw, but not for the other XXXX. I want {$70.00} returned to my account. 
I wrote to Wells Fargo about this, and got the usual explanations about how they process transactions, which makes no sense ( except to them )! 
They have now passed my case to their executive office. 
Why are they allowed to do this? 
I believe that they were sued about this, yet it continues!! 
Why are they allowed to charge fees of {$35.00} for overdraft, when it clearly does not cost that much!!! 
I am grateful to them for covering my checks ( most of the time ), and I am willing to pay the fees for that, as I have in the past, but I am not going to pay fees to cover items that I had money in my account for at the time they were presented. That is criminal. I do not know how they can do this, and have been allowed to do it. 
I am a XXXX XXXX XXXX woman who works XXXX jobs to support myself and my XXXX XXXX XXXX XXXX mother. I can not afford these fees. I am paying out of my own pocket at least {$200.00} per week for a caregiver for my mom while I am at work. 
I need this money returned to my account, and I am turning to The CFPB for help with this. 
This practice needs to stop. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Credit Collection Services for continuing to report a paid collection account that is negatively impacting my credit. I settled this account in full on XX/XX/year>, yet it remains delinquent on my credit report. Despite providing proof of payment, including confirmation from the original creditor or collection agency, Credit Collection Services has failed to remove the negative listing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting, and their failure to correct this error is unfairly damaging my credit score. I request that the CFPB take action to ensure Credit Collection Services updates my credit report to remove it if it is no longer valid, in compliance with FCRA regulations.
Product: Debt collection

I owed a bill to the hospital for my son. I contacted their billing office and set up a payment plan. I paid the first payment in that amount. Every payment after that was more than the set amount. After 3 month I received XXXX messages identifying the caller as the hospital, telling me to call about my account. There were " concerns ''. When I called the number, I was told my account was in arrears. I asked how that could be since I had set up a payment plan and I had paid over the amount since it had been set up. The person I spoke with said they had no record of that payment plan, but no matter ... they could set one up now. They set it up for {$42.00} a month. I continued to pay {$100.00} a month until the final payment of {$77.00}. I then received another bill for {$100.00}. I knew I was paid in full. I received another bill. Worried that I was mistaken and trusting ( stupidly ) I would be reimbursed if I overpaid I paid another {$100.00}. Two days after it cleared I was turned over to collections. I 've called and argued. They say they never received checks in XXXX, XXXX or XXXX and they want cancelled checks. I printed them, but with my bank account on the check, wanted to walk into a physical office rather than fax, so I went to call the number again and noticed that when my bills changed XXXX from XXXX to XXXX ... after the phone calls ... XXXX the phone numbers were different. I called the local one on the old bill and got the very polite XXXX billing office. She said my account was paid in full and I was an excellent payer! No, I was n't turned over to collections! Why would I think that? I consistently paid more than we agreed? This woman was as nice as the other XXXX were rude. 
She also informed me that she had no knowledge of this other number and NO ONE did their billing but her office!!! 
I have been scammed. She gave me her name and number at XXXX XXXX XXXX Hospital. 
I called the other number back and confronted them. I accused the person who answered ... it is never the same person ... of scamming me and he claimed they represented different hospitals and I informed him XXXX XXXX just told me no one represents them. He said that 's not true and he would call her. He did scramble on the phone for awhile when I asked for a physical address of his business. 
It is XXXX XXXX, CA XXXX ( or so he says ) The number I 've called is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting FRAUD AND defamation Of my character! 

XXXX XXXX XXXX is reporting Fraud I never had a XXXX  account!

must correct or delete inaccurate, incomplete, or unverifiable information. If a CRA fails to maintain accurate information, consumers can file a class action lawsuit. 

CRAs must follow proper procedures when investigating a complaint about an error on your credit report. 

CRAs can violate their obligations to report accurate credit information if they mix your file with someone else 's file. 

A credit report may show a creditor or lender that doesn't exist or with whom you have had no financial dealings. 

Rejected disputes despite providing clear evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent 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 the XXXX account is reporting # XXXX Date:XXXX Amount {$13000.00} and the TransUnion account is reporting # XXXX Date : XX/XX/2021 Amount {$13000.00} it is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so please delete this erroneous item immediately account # XXXX DateXXXX Amount {$500.00} has violated my rights Account XXXX XXXXXXXX Date:XXXX Amount : {$410.00} has violated my rights Account # XXXX Date : XX/XX/2021 Amount : {$2100.00} has violated my rights
Product: Debt collection

After receiving several harassing phone calls from XXXX XXXX XXXX I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not XXXX XXXX XXXX - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX  due to inaccurate information being reported and not reporting the same information as XXXX and Equifax. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit card

I make the payment from my checking bank account to XXXX credit card. Money were posted on XXXX, XXXX. But they didn't appear a payment on my XXXX credit card statement. I just keep calling to my bank, tgey send me to XXXX, XXXX send me to bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

Ive asked XXXX to provide me proof that I extended authorization for these companies to check my credit they failed to do so Ive never authorized these companies to check my credit its a violation of my consumer rights I need these inquiries removed now
Product: Credit card

I used my AMEX H-Y Savings Account to pay off my balance ( {$780.00} ) due on XX/XX/2023. I erroneously entered one digit wrong, so Amex charged me a late fee ( which they reversed ) and interest charge of XXXX XXXX ). On XX/XX/2023 I was notified by Amex, so I immediately contacted Amex to fix the problem. AMEX refused to refund the XXXX XXXX interest charge. 
I paid in full my XX/XX/2023 balance ( {$1800.00} ). For my XX/XX/2023 statement, I noticed that AMEX charged me interest ( {$23.00} ) because their system automatically charges interest on any balances AFTER a LATE FEE has been assessed on the credit card and for the NEXT TWO BILLING CYCLE, even though I have paid off my XX/XX/XXXX statement balance. 
AMEX is ILLEGALLY charging interest on charges made to a credit card WITHOUT notifying the consumer ( ME ) and before the statement due date ( without any notification, ie., no statement ). 
I want my {$23.00} interest reversed by AMEX and I want CFPB to assess fines on AMEX illegal business practices.
Product: Credit reporting or other personal consumer reports

I hot an alert on XXXX XXXX and Experian and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's 2 apartments reporting on XXXX XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.
Product: Checking or savings account

On XX/XX/XXXX I responded to a phishing email thinking it was from my bank, which gave away my debit card information, PIN number, and identifying email. Over the next 2 weeks the person stole about {$7000.00} from my checking account via numerous purchases using my card information, and a single {$2500.00} withdrawal. When I realized what happened on XX/XX/XXXX, I called Wells Fargo and had my account closed and card canceled. Over the next 4 months I made numerous phone calls to Wells Fargo as well as visited a local branch 3 times in an attempt to get my money back and point out the roughly 200 fraudulent charges. I got the {$2500.00} withdrawal back, as well as a few small charges, but am still missing about {$4000.00}. Every time I called I would go transaction by transaction indicating they were fraud, and the person would input them all into the claim, but when I would check on the claims every time they were adjusted to only include one or two of the transactions, claiming {$100.00} fraud instead of {$4500.00}. One claim got rejected because they said that because the person had my PIN number I must have authorized it, but I had explained that my PIN was entered into the phishing email. The bank kept making it harder and harder for me to place claims, including blocking me from accessing my old statements after closing my accounts and opening new ones, and refusing to send me proof of my claims after I placed them. They also wouldnt ever help me in person at a branch because they said all fraud claims must be done over the phone.
Product: Credit reporting or other personal consumer reports

Dear Sir or XXXX, I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. It was for a XXXX XXXXXXXX silver card for the amount of {$1000.00}. I did not open or authorize this account, and I therefore request that it not only be closed immediately, but also the credit inquiry that was placed on my credit reports be removed also.
Product: Bank account or service

Despite several fraud warning on my accounts with Bank of America, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass bank of america security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Bank of America was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Bank Of America as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile.
Product: Credit reporting or other personal consumer reports

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Removal of XXXX XXXX doesn't exist Removal of XXXX {$XXXX} doesn't exist
Product: Debt collection

We closed our XXXX XXXX account on XX/XX/2021 and were told that our final payment of {$440.00} would cover the final billing cycle due to end on XX/XX/2021. On XX/XX/2021, we received our next XXXX bill through XX/XX/2021 even though we had terminated the service for {$230.00}. They automatically billed my credit card which was erroneously still on file even though we had terminated service. A dispute with my credit card company was resolved in my favor. XXXX then sent me bills and sent the bill to collections. This charge is one for AFTER service was ended and after we were assured by XXXX we had paid our final bill for service through XX/XX/2021.
Product: Debt collection

I have been trying to resolve this Debt as XXXX XXXX XXXX, this is a Bogus Debt from a creditor that some how finds out that you did a mortgage loan refinance and then turns out bills for un contracted or acknowledged fees. I have asked repeatedly for a contract signed by myself and my wife, without success. I am now receiving invoices from Sortis Financial with the same addresses and amounts. I can only assume that this is due to the request to cancel or remove this Debt listed under ClearSpring. 

Please make every effort to remove this from my and my wife 's Credit Reports at is seriously impairing our ability to secure student loans for our children 's college..
Product: Debt collection

I RECEIVED AN ALERT ON MY XXXX ACCT. 
THE PERFECTION COLLLECTION LL HAS REPORTED A COLLECTION TO ALL 3 CREDIT BUREAUS. REPORTING A BALNCE OF XXXX. THIS IS INCACCURATE. 
I WAS NEVER CONTACTED BY PHONE OR MAIL. 
I CURRENTLY HAVE AN ACCT WITH VIVINT, THAT IS SET UP ON AUTO DFAFT.
Product: Checking or savings account

I was homeless and my information was stolen from me at the homeless shelter and just recently found out about this problem as I was getting back on track
Product: Checking or savings account

I have called multiple times to get an answer as to why they haven't closed the account and sent me my funds, and they just tell me that I have to wait. I don't owe them any money nor did I misuse the account. I didn't even use it. I opened the account, put in XXXX that my girlfriend sent me via XXXX. And that same day, they blocked it for no reason, all of that was approximately 3 weeks ago. They won't let me use the account, they haven't decided to close it and they won't let me withdraw my money either. I'm tired and I feel scammed. I'm not interested in any connection with that bank. I'm just interested in them giving me my money. Currently my case is supposedly being handled by an agent. Agent, I've been calling for several weeks and they haven't given me any response. In any bank it's almost automatic to be able to close a bank account, especially if you don't have any debt with the bank and it's not under investigation. I need your help because this experience has been very frustrating.
Product: Credit reporting or other personal consumer reports

I applied for a credit card at my bank.And when I looked at XXXX XXXX, It said I had 8 hard inquiries and 2 of them I have no clue who Those companies are. I already have a car and my loan is through a credit union that I go through and I have never even heard of these companies. The first company is Capital 1 auto finand the second company is XXXX XXXX XXXX.