23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the hospital for a XXXX XXXX on XXXX XXXX, XXXX and incurred a large bill that my insurance paid all of but a {$580.00} portion that was my responsibility that was not paid. That amount now shows on my credit report as being placed for collection XXXX/XXXX/XXXX which is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX who provide the service ( s )  sent me late notices in XXXX of XXXX. While I do n't have copies of them I do have copies of a bill from one of  their bill collectors XXXX and XXXX XXXX XXXX from XXXX XXXX, XXXX showing the debt amount and that they are charging interest on the debt. I believe the debt collector knowingly " re-aged this debt '' which is a violation of the Fair Credit Reporting Act by reporting inaccurate information about my accounts to credit bureaus. In XXXX XXXX I sent a letter of dispute to the credit reporting agencies saying the debt was from XXXX and the " hospital collection service '' verified it as accurate. This is a practice of unscrupulous debt collectors and I feel they should be punished for it as it has adversely affected my credit rating and increased the cost of credit I have obtained over the last couple years because this collection is being inaccurately reported in my credit file. Other debt I had incurred from this same hospital visit has been removed from my credit file.
Product: Credit reporting or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

1.XXXX has 5 different account on my credit file for the same loan.

2. XXXX  is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used.

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: Money transfer, virtual currency, or money service

Unauthorized transfer by bank teller I made a police report and money was not available as promised. My accounts became hidden. I didnt close my account and still had funds in the account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent this to you at the above date. 

To Whom It May Concern : TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX ). 

Please update my full name to : ( XXXX XXXX XXXX ). 

My only social security number is : ( XXXX ). 

My only and correct date of birth is : ( XX/XX/XXXX ). 

My only employer is ( XXXX ). 

I do not wish to have any telephone numbers on My report. 

Please remove all the other addresses from my report, as they are not deliverable to me By the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca XXXX Enc. Driver License, SSN Card, And XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXX , XXXX. XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Debt collection

In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX  XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. 
I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX  they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.
Product: Credit reporting or other personal consumer reports

I am writing to address the significant impact that XXXX XXXX XXXX actions have had on my personal credit profile. Specifically, XXXX XXXX XXXX reporting late payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has severely affected my ability to refinance. 

According to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me, the consumer, and your company, the entity making the report. The late payments you've reported are part of my payment history and are inherently tied to the transactions and experiences between your company and me. Consequently, these late payments have negatively impacted my consumer report. 

Moreover, I reached out to XXXX XXXX XXXX via email on XX/XX/XXXX, to address this issue, but I received no response or action from XXXX XXXX. About the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-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 an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports, IN GENERAL subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to which 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 listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First off I want to start with people should know how to to file or what kind of dispute to file and thats why they get denied is it a charge dispute a direct Violation of the protection act etc in my case I believe that Experian didnt do there end I disputed this many of times and called I finally got the issuer them selfs on the line to look at XXXX late fee after telling me twice there was not late fee I insisted to look again cause I have the statement and there was a late fee also I pay XXXX a promotional fee for credit protection that this should of been covered never on my report I told and expressed this to Experian and the card company and we cant just go by peoples word cause its ther mechanic skills that could be the problem human error there should be a system in place where this dont happen after I was persisting the agent agreed and as we speak is tuning an internal investigation its in XXXX and XXXX  this should of never happen when I field years ago I have a summarizing of this conversation with the card issuer and XXXX  states A late fee on a credit card account from XX/XX/year> is being investigated. The customer claims the late fee should be removed because they have credit protection, which should cover the payment. The investigation will take XXXX business days to complete.this is just one problem but I feel as if I never did what I did it would stand and it shouldnt and I think a couple laws where broken but I just want what is right I had other limit this is a XXXX card limit lowest card account I ever had and if you look at my other card never late always paid how can a XXXX card limit hold and carry all this weight to ruin a score and do this
Product: Mortgage

The servicer of the loan wouldn't comply with the contract. I offered a payoff of the loan for what I calculated to be the remaining balance. They accepted the amount, but once paid they wouldn't show the balance as XXXX instead they show that I owe them the entire amount including unearned interest. I've called multiple times, but they won't give me any information I've requested. They did take the {$2000.00} I offered, but refer me to a call center in XXXX and they won't help me get this resolved. I have email correspondence of the pay off amount accepted and show my funds clearing with them, but still no ability to show the loan is satisfied so it still shows me owing the remainder.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification that Ally reported to the Bureaus that my load was paid and previous balance was outstanding. This dropped my score by 28 points not positively impacting my credit.Our loan with Ally had been perfect never late.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to you in a state of utter desperation. The inaccuracies on my credit report have shattered my dreams, torn apart my sense of security, and left me in a constant state of anxiety. My life is unraveling before my eyes, and I dont know where else to turn. 

I recently filed complaints ( Complaint IDs : XXXX, XXXX, XXXX ) concerning several accounts that are inaccurately reported on my credit file. Despite my best efforts, XXXX, XXXX, and XXXX  XXXX XXXX have told me they can not even find my accounts, leaving me helpless in providing details that I dont have. How can I defend myself against something they claim doesnt exist? 

Because of these errors, my life is falling apart. The car I need to go to work and the home Ive dreamt of owning are both slipping through my fingers. I am mentally and emotionally broken. The weight of this situation is unbearable, and I fear that it could destroy everything Ive worked so hard to build. 

The accounts in question are as follows : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are wrongly holding me XXXX, violating my federally protected rights to privacy and confidentiality under 15 USC 1681. I reviewed my Experian credit report on XXXX XXXX XXXX and was devastated to find glaring inaccuracies that are completely beyond my control. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, under 15 USC 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or corrected. And yet, despite these clear legal protections, I remain trapped in this nightmare.

Furthermore, under 15 USC 1681s-2, furnishers are prohibited from providing information they know or have reasonable cause to believe is inaccurate. And yet, my life is being destroyed by false information that continues to haunt me. 

My Previous Complaint Details : Complaint ID : XXXX ( XXXX ) XXXX ID : XXXX ( Experian ) Complaint ID : XXXX ( XXXX ) These complaints remain unresolved, and the inaccuracies persist, wreaking havoc on my life. I am begging youplease, remove this inaccurate information from my credit report. I feel like Im drowning in a sea of injustice, with no way out. This is not just a matter of numbers on a report ; this is my life, my future, and my sanity at stake. I can not bear this burden any longer. 

Please help me fix this before its too late. 

Sincerely, XXXX XXXX
Product: Credit card

This complaint involves a transaction with Wells Fargo Bank. On XX/XX/XXXX I signed up for a Premium XXXX account after being solicited by this company. The email I received said that I should cancel this account by XX/XX/XXXX, a Saturday or I would be charged a {$570.00}. XX/XX/XXXX and XX/XX/XXXX I had a pulled hamstring muscle and was unable to walk and also sick with the flu. I intended to cancel the Linked In account on Saturday XX/XX/XXXX but due to the above distractions I forgot to cancel on XX/XX/XXXX. At around XX/XX/XXXX on Sunday, XX/XX/XXXX I remembered that I had forgotten to cancel my Premium XXXX account and I emailed XXXX saying I was canceling it. However, no one from XXXX answered my email and XXXX does not have a phone number. On Monday, XX/XX/XXXX, I phoned Wells Fargo Bank and the representative I spoke to said that the charge of {$570.00} had not yet cleared my account. So I asked her to stop the charge since I think technically that the money is mine until the transaction clears. I know that you can stop payment on a check and assume the rules are the same with a credit card transaction. This representative said she could n't stop the charge because the money had n't yet cleared my account so I asked for a supervisor. The supervisor I talked to said she would put a claim on my account which is claim number XXXX. She said I would hear from the bank about this claim in ten days. On XX/XX/XXXX I received an email from Wells Fargo saying they had completed their investigation and they would send me a letter explaining it. However, I have n't yet gotten a letter from them. I also noticed that Wells Fargo had not credited the {$570.00} to my account. I called today and a banker said the claim had been closed. I assume, therefore that Wells Fargo will not be crediting my account for this amount because they would already have put the money back into my account.
Product: Checking or savings account

On XX/XX/year> my savings account at Capital One was suddenly closed without notifying me in advance. This account had been active and in good standing for many years and had 3 account holders. I went to the bank to inquire, and I was told that this particular type of account " savings now '' was being phased out and automatically merged into a new account " savings XXXX '' but because there was " missing information '' in the account, this merger could not be made automatically, and their policy was to close it. They claim they sent me a notification via mail months before ( not true ) about their intention to close the account. This has caused financial hardship as I did not realize the account had been closed until the XXXX, and I had transferred money for rent and credit card payments into the account on the XXXX ( after it was closed ) which resulted in delays and fees for these late payments. The bank assured me that the account was not closed because of any suspicious activity or wrongdoing.
Product: Credit card or prepaid card

I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a true, and live human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rightsnumerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681. I have the right to privacy and i did not give Equifax written consent or permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX account number- # # # # # # XXXX XXXX XXXX account number- # # # # # # XXXX XXXX XXXX  account number- # # # # # # XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX  account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Telecheck keeps denying my checks on my two checking accounts I hardly ever get an approval and constantly suffer embarrassment and aggravation not being able to get my checks approved on my two checking accounts I want to be able to buy what I need from XXXX or any other telecheck merchant and not have my checks denied I have cleared all outstanding checks but I still get denial after denial and I am fed up with telecheck I need help how can they keep denying me I called telecheck they stated I have no negative information that I shouldnt be having trouble writing checks I want telecheck to fix my file so my checks are NOT DENIED when I need something!
Product: Mortgage

Hello, My mother died XX/XX/XXXX and I am the executor of her Will and have inherited an estate of over {$5.00} XXXX. 

I spent much of XXXX and XXXX trying to communicate with XXXX at Ameris XXXX, who did not return my very many calls. I also went to the Branch to discover there was a {$50.00}. XXXX note on XXXX XXXX XXXX XXXX, XXXX but was NOT informed it was in default. 

I spent XXXX trying to contact anyone from Special Assets but they refused to communicate with me. 
I contacted the Probate Court who said they have no reason to ignore me as the Estate was out of Probate and I had the necessary documentation. 
In XXXX, three months after my mother died and I began trying to work this out, their lawyer suddenly told my lawyer to have me contact XXXX XXXX, immediately. 
I spoke with XXXX who spent ten minutes railing on my recently dead mothers broken promises to sell property, my mother was in XXXX  XXXX XXXX, I have plenty of hospitalization documentation to furnish, as they were removing   XXXX pounds of XXXX  from her XXXX, she was dying XXXX continued to insist that my mother did not fulfill her end of the bargain, as a result XXXX refused to work with me in any capacity outside of my paying the loan in full, within one month ( XX/XX/XXXX ). She was resolutely inflexible and directly punishing me for former frustrations with a sick woman. 

XXXX XXXX of Ameris emailed me " Our Loan Officer has directed this to Attorney XXXX XXXX, I spent days trying to find said attorney he does not exist, XXXX instruction were erroneous. I messaged both she and XXXX XXXX to state this and neither of them responded. 

I offered Ameris {$20.00}. XXXX on a {$50.00}. XXXX loan by the XX/XX/XXXX deadline and another {$5.00} by XXXX but they did not take the offering. 
Instead, when I went to close out the bank account, Ameris had, without my persimmon and without informing me, helped themselves to {$3600.00} of my money. 
Simultaneously, they had their lawyer send a Notice of Sale. 
Despite XXXX  XXXX agreeing to refinance me. I obviously have the income and assets to pay this mortgage by XXXX. 
They also demand I pay 15 % of their lawyers fees, in addition to having to pay my lawyer because the bank refuses to speak with me, thereby wasting thousand that could go towards the mortgage repayment, on lawyers instead. 

Ameris and their lawyer also continue to send all mail and certified letters to the incorrect address, despite my living at XXXX XXXX XXXX XXXX, XXXX. 

My mother purchased this historical XXXX cottage for me when I was a student  twenty years ago, it was our first renovation project, for which she would eventually win awards. Without the knowledge that foreclosure was imminent I spent well over {$5000.00} doing upgrades to the home and deck this past autumn. Money I certainly would not have put into a house I was loosing. 

I have in the past attempted through Ameris Customer Service to leave messages for the complaints and special assets departments and my attempts went ignored -no one EVER got back to me and so the Georgia State Banking Authority has intervened, insisting you and I get in touch today.