23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

See attached documents. 
The XXXX  XXXX XXXX authorized payment through XXXX XXXX XXXX XXXX for a XXXX XXXX at the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) and follow-up with XXXX XXXX XXXX 's office, Authorization # XXXX.The XXXX XXXX  was done on XX/XX/XXXX. 

I received a bill from XXXX dated XX/XX/XXXX indicating that they had charged my XXXX XXXX XXXX, XXXX and expected a {$95.00} copayment from me. I called XXXX and spoke with XXXX on XX/XX/XXXX and explained their error. She instructed me to send my information to : ATTN : Ins. Dept. XXXX XXXX XXXX, XXXX, TN XXXX and they would refund the payment to my insurer and process the billing to the XXXX XXXX XXXX where there is no balance billing. 

I received another bill dated XX/XX/XXXX and this time mailed it back to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX with the VA authorization # and explanation. 

I received a third bill dated XX/XX/XXXX and called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in payments. He told me they had all of the necessary info to bill the VA, which should have already been done and that I would receive no further notices. 

I received another bill dated XX/XX/XXXX and called again on XX/XX/XXXX at XXXX XXXX and was transferred to XXXX in the escalations Dept. She said that she notified Billing and will also notify Collections and the matter would be taken care of. 

I then received a collections notice from PARAGON and called them on XX/XX/XXXX at XXXX XXXX  to explain what the situation was. The man on the phone was exceedingly rude and did not want to hear anything I had to say. 

I then took copies of all that I will also attach here for you to the XXXX hospital administrator 's office where the administrator 's assistant told me she would forward them on to the appropriate office where the problem would be taken care of. 

On XX/XX/XXXX at XXXX XXXX  I again called PARAGON to see if my case had been resolved and a very polite lady told me it had not been. 

I am now writing your agency to see if you can get the XXXX  to finally resolve this situation and remove me from collections which has since dinged me with the credit bureaus for an unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.
Product: Mortgage

Although I am behind on my mortgage payments, I have been making payments to attempt to bring the loan current. As of my most recent statement, my servicer, Wells Fargo, has inserted a new category, " payment reversal '' to the payment and disbursement summary. My two most recent payments are now reflected as " unapplied funds '' which include P & I, late fees, as well as escrow payments. 

Today I received a packet via FedEx concerning a loan modification. I have never asked for a loan modification. Further, today I was contacted by a notary who represented herself as an agent for Wells Fargo who seeks to notarize the loan modification. 

This is the second time the FedEx/notary " push '' has been tried by Wells Fargo, although the " payment reversal '' is a new element, seemingly to make my mortgage appear more delinquent than it actually is. 

At the first occurrence, in XX/XX/2016, I made it clear in a phone conversation to WF customer service, that I was not interested in any sort of loan modification program. I was told at that time that it was an " opportunity '' prompted by my lender XXXX, but this tactic seems to be an attempt to force this " opportunity '' as a fait accompli.
Product: Checking or savings account

Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- classified on report as rental or leasing - amount owed XXXX amount XXXX. I assume no liability or responsibility for this account. my information was exposed in XXXX data Breach as a result i have had identity theft and accounts appearing on my TRANSUNION credit file that is not mine AND I ASSUME NO RESPONSIBLITY OR LIABILTIY I requested this item be blocked by TRANSUNION in XX/XX/year>, TRANSUNION denied request even though i had FTC ID THEFT REPORT WITH DISPUTE, i then asked TRANSUNION for A METHOD OF VERIFICATION WHICH I WAS TOLD I COULD NOT BE PROVIDED TO ME. 
XX/XX/year> TRANSUNION recieved yet another FTC REPORT REQUESTING TO BLOCK XXXX XXXX XXXX DBA XXXX XXXX FROM MY FILE. THIS REQUEST HAS ALSO BEEN DENIED. 

I am reporting id theft from the TRANSUNION breach and TRANSUNION refuses to assume responsibility and up hold my request. I also requested ALL REPORTING FROM THIS CREDITOR CEASE AND TRANSUNION STILL ALOWS THIS COMPANY TO REPORT MY ON MY FILE AND HAVE ACCESS TO INFORMATION WHICH I HAVE DENIED THEM
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. 

Account name : XXXX XXXX XXXX #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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: Credit reporting

On XXXX of my reports there is a claim I have an open account in collections, this is incorrect. It was paid XXXX 2014. I contacted the company and they confirmed the account in collections was paid off in XXXX 2014, I just need to get it removed from my report.
Product: Credit card

I had a Business Credit Account with Chase under Business name " XXXX XXXX XXXX XXXX XXXX ''. I recently changed my business name to " XXXX XXXX XXXX XXXX '' and requested Chase updated their Records and issue me a New Credit Card. I uploaded all the required documents to Chase and Chase changed my Business Name on my Credit Card and mailed me a New Card. I also activated the new Card. I login to my account online and I see Chase has not changed the Business Name on my Account. I sent 2 request to ask them to change the Business Name on my Account Online and in their records. I have call 4 times, only to be hung up on, transferred to several different departments. No one wants to do their job. Horrible customer service at this point. Chase refuses to update my Business Name on my Account and I have already sent them the required documents from the State of Michigan showing proof of the name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the finance manger about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the salesman needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over 100 points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report i notion that XXXX XXXX XXXX has been deleted off my credit report with XXXX but it is still showin on my transunion and experian. The buearu has failed to update my report with the accurate information.
Product: Credit card or prepaid card

Numerous calls that start with a pre-recorded message offering lower interest rates on my XXXX card. Most don't even offer a do not call option, just " press 1 to speak to a credit specialist. '' When I then tell the specialist that I do not have a XXXX card, they then say that it works for Visa, Mastercard or XXXX. They usually make some reference to my good payment history as reported by Experian. When I try to tell them I just want to find a way to make the calls stop they hang up on me. 

The last call was from XXXX at XXXX XXXX XXXX XXXX When I try to dial that number back, it says ( as usual ) that this number has been disconnected.
Product: Credit card or prepaid card

I purchased a product from XXXX XXXX XXXX, it was one of their specials during their fund-raising season. XXXX XXXX XXXX XXXX XXXX XXXX program, should have been booklets, DVDs, etc. Was charged {$240.00} by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES OF AMERICA ( THE ) XXXX Additional Information : XXXX Reference : XXXX Category : Merchandise & Supplies - Internet Purchase After waiting a while without receiving the kit, I called XXXX XXXX XXXX and asked about it. They said those had been delayed but be patient. Assured me we would eventually get the products ordered. So I was patient. Still did n't get anything, so finally in XX/XX/XXXX I called back and they said the same thing. Today XX/XX/XXXX I tried to dispute the charge with American Express,  and they informed me that they could n't do that as I was beyond the 60-day dispute limitation. So -- first, XXXX XXXX XXXX took {$240.00} from me and then encouraged me to be patient. I was. Second, American Express claimed they could not help me since it was beyond the 60-day limit for disputes. Catch-22!!!!! Please help me resolve.
Product: Debt collection

I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from Portfolios recovery trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.
Product: Credit reporting or other personal consumer reports

just got my credit report on XXXX XXXX XXXX, and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Product: Mortgage

I mailed my payment to Lakeview Loan Servicing on XX/XX/19 and as of XX/XX/19 my credit union ( XXXX XXXX XXXX XXXX ) stated the cashiers check had not been cashed. I started a " stop payment '' process with my credit union on XX/XX/19 and called Lakeview Loan Servicing again on the afternoon of XX/XX/19 and at that time the automated stated my payment was received on XX/XX/19. There are phone records of me requesting to speak with a someone who could explain why my payment was held from XX/XX/19 until XX/XX/19 ( which is the date all agents advised the payment posted to my account ) and the agent stated she would transfer me to customer service however I was transferred back into the automated system, on the second attempt I requested a supverisor and I was transferred to the survey line, on the third attempt I was transferred to another phone agent who had none of my account information. Finally, on the 4th attempt I was transferred to a supervisor who inquired about how the payment was made I did advise it was mailed and she started to explain about payment processing when paying via XXXX XXXX and mail and how that may cause a delay which meant she was not listening when I advised the payment was mailed however Lakeview 's automated system and the employees advised me the payment was received on XX/XX/19 no other source.
Product: Credit card or prepaid card

About 30 days ago I applied for the Chase Bank XXXX XXXX card. I was not immediately approved but within 7 days I was notified of the approval and a XXXX credit limit and I was satisfied with this outcome. About 1 week later I received a notification from XXXX XXXX that the available credit on one of my oldest cards the Chase freedom had been lowered from XXXX to XXXX. I proceeded to call Chase bank and ask why I wasn't asked or notified of this change by them. Both a CSR and supervisor told me this is a new practice at their financial institution. They refused to do anything but move the line of credit around or told me I could apply for a credit line increase. But they have already just pulled my credit and no where in there terms and conditions says they can pull credit from another card. So in short they cost me a credit inquiry and a new card with a hefty annual fee and didn't supply any additional credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFO HAS BEEN COMPROMISED AND I REPORT THIS TO THE CREDIT COMPANYS AND THEY NEVER UPDATED MY FILE, I STILL HAVE THESE FRAUD ACCOUNTS ON MY FILES, AND I NEED THEM REMOVE AND UPDATE THEM. THANKS XXXX. XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Dealing with late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian account ( same ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW UNDER 15 USC 1681B PERMISSBLE PURPOSE OF A CONSUMER REPORT THE LAW CLEARLY STATES IN GENERAL SUBJECT TO SUBSECTION C ANY CONSUMER REPORTING AGENCY MAY REPORT FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH WRITTEN INSTRUCTION TO FURNISH THIS THIS ACCOUNT ON MY CREDIT REPORT FURTHERMORE THE FAIR CREDIT REPORTING ACT 15 USC 1681 2A1 UNDER THE EXCLUSIONS SECTION FROM A CONSUMER CREDIT REPORT CLEARLY STATE EXCEPT AS PROVIDED IN PARAGRAPH 3 THE TERM CONSUMER REPORT DOES NOT INCLUDE SUBJECT TO SUBJECTION XXXX OF THIS TITLE REPORT CONTAINING INFORMATION SOLELY AS A TRANSACTION OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT TRANSACTION DELETE THESE LATE PAYMENTS FROM MY CREDIT REPORTS/ ACCOUNTS FAILURE TO DELETE OR RESPOND WILL END IN SUEING UNDER 15 USC 1681N
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX